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Bedford borough, PA

ZIP 15522 — 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 15522

Median Home Value
$197,900
Median Rent
$620
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,271/mo PITI).

12%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

26.6 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 15522 in Bedford borough, PA, a household would need roughly $54,000 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 $1,271. That sits below the local median household income ($62,679), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
73.4%+12% vs US avg
x
Vacancy Rate
14.0%+36% vs US avg
x
Broadband Access
78.9%-9% vs US avg
x
4+ Bedrooms
6.3%-57% vs US avg
x
Built Pre-1939
2.7%-79% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
15.7%-68% vs US avg
x
Mortgage-Free
49.6%+30% vs US avg
x
$197,900
Home Value
$620
Rent
1964
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 detached73.6%
  • 1-unit attached1.0%
  • 2-9 units11.9%
  • 10+ units5.5%
  • Mobile home & other7.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$197,900
Median rent$620
Owner-occupied73.4%
Vacant14.0%
Price-to-income3.2x
Est. income to buy$54,000