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Springboro borough, PA

ZIP 16435 — 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 16435

Median Home Value
$113,300
Median Rent
$698
Affordability Snapshot
$31,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$728/mo PITI).

15%
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.

13.5 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 16435 in Springboro borough, PA, a household would need roughly $31,000 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 $728. That sits below the local median household income ($56,400), 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
75.9%+16% vs US avg
x
Vacancy Rate
11.5%+11% vs US avg
x
Broadband Access
75.8%-13% vs US avg
x
4+ Bedrooms
3.2%-79% vs US avg
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
17.1%-66% vs US avg
x
Mortgage-Free
59.7%+56% vs US avg
x
$113,300
Home Value
$698
Rent
1972
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached69.5%
  • 1-unit attached0.2%
  • 2-9 units7.9%
  • 10+ units0.0%
  • Mobile home & other22.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$113,300
Median rent$698
Owner-occupied75.9%
Vacant11.5%
Price-to-income2.0x
Est. income to buy$31,000