ZIP Code 19086 — Rose Valley borough, PA Demographics & Data

ZIP code 19086 covers Rose Valley, PA in Delaware County with a population of about 12,835.

At a glance, the area shows median age of 41.8 versus a U.S. median of about 38.9.

It sits in telephone area codes 484, 610, 835; U.S. House district PA-5; the PHILADELPHIA media market.

Rose Valley, PA sits in a university / college context (near swarthmore college (1.3 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 19086 is about $143,762 — about 91% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.4%; unemployment rate near 3.8%; 65.9% of adults with a bachelor’s degree or higher (about 32.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Education; about 21.9% of workers reporting work-from-home (about 6.7 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $425,200 — about 22% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,558 (about 34% above the U.S. median rent ($1,163)), and owner-occupancy near 88.7% (about 23.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 19086 in Rose Valley, PA, a household would need roughly $117,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,731. That sits below the local median household income ($143,762), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Rose Valley borough, PA as Relatively Moderate (composite score 92.9), which is among the highest nationally. The strongest component scores on US5 are flood (94.4) and hurricane (88.1). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Rose Valley borough, PA show little to no average snow and around 41.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 584 for ZIP 19086 (Rose Valley borough, PA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.