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Smithfield borough, PA

ZIP 15478 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 15478

Median Home Value
$145,700
Median Rent
$542
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$936/mo PITI).

9%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.4 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 15478 in Smithfield borough, PA, a household would need roughly $40,000 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 $936. That sits below the local median household income ($71,311), 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

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.3%+24% vs US avg
x
Vacancy Rate
11.3%+9% vs US avg
x
Broadband Access
88.8%+2% vs US avg
x
4+ Bedrooms
1.8%-88% vs US avg
x
Built Pre-1939
8.2%-36% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
11.5%-77% vs US avg
x
Mortgage-Free
57.2%+50% vs US avg
x
$145,700
Home Value
$542
Rent
1962
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached79.8%
  • 1-unit attached1.4%
  • 2-9 units3.4%
  • 10+ units0.3%
  • Mobile home & other15.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$145,700
Median rent$542
Owner-occupied81.3%
Vacant11.3%
Price-to-income2.0x
Est. income to buy$40,000