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White Oak borough, PA

ZIP 15131 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 15131

Median Home Value
$147,700
Median Rent
$859
Affordability Snapshot
$41,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$949/mo PITI).

15%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 15131 in White Oak borough, PA, a household would need roughly $41,000 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 $949. That sits below the local median household income ($68,496), 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.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
71.4%+9% vs US avg
x
Vacancy Rate
3.8%-63% vs US avg
x
Broadband Access
82.7%-5% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
15.4%+20% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
14.6%-71% vs US avg
x
Mortgage-Free
42.6%+11% vs US avg
x
$147,700
Home Value
$859
Rent
1957
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached72.6%
  • 1-unit attached3.7%
  • 2-9 units13.9%
  • 10+ units7.2%
  • Mobile home & other2.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$147,700
Median rent$859
Owner-occupied71.4%
Vacant3.8%
Price-to-income2.2x
Est. income to buy$41,000