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Cooperstown borough, PA

ZIP 16317 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 16317

Median Home Value
$117,200
Median Rent
$578
Affordability Snapshot
$32,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$753/mo PITI).

12%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.9 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 16317 in Cooperstown borough, PA, a household would need roughly $32,000 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 $753. That sits below the local median household income ($55,956), 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 28% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.4%+20% vs US avg
x
Vacancy Rate
28.4%+176% vs US avg
x
Broadband Access
79.7%-8% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
4.8%-62% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
43.0%-14% vs US avg
x
Mortgage-Free
55.7%+46% vs US avg
x
$117,200
Home Value
$578
Rent
1974
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 detached69.4%
  • 1-unit attached0.9%
  • 2-9 units2.3%
  • 10+ units0.0%
  • Mobile home & other27.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$117,200
Median rent$578
Owner-occupied78.4%
Vacant28.4%
Price-to-income2.1x
Est. income to buy$32,000