US5.com
  1. Home
  2. States
  3. Pennsylvania
  4. ZIP 16438
  5. Housing & Real Estate
Union City borough, PA

ZIP 16438 — 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 16438

Median Home Value
$134,400
Median Rent
$528
Affordability Snapshot
$37,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$863/mo PITI).

10%
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.

21.2 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 16438 in Union City borough, PA, a household would need roughly $37,000 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 $863. That sits below the local median household income ($60,559), 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 25% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
73.9%+13% vs US avg
x
Vacancy Rate
25.4%+147% vs US avg
x
Broadband Access
80.5%-7% vs US avg
x
4+ Bedrooms
3.2%-78% vs US avg
x
Built Pre-1939
8.5%-34% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
12.3%-75% vs US avg
x
Mortgage-Free
47.2%+24% vs US avg
x
$134,400
Home Value
$528
Rent
1959
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 detached77.7%
  • 1-unit attached3.2%
  • 2-9 units6.7%
  • 10+ units3.2%
  • Mobile home & other9.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$134,400
Median rent$528
Owner-occupied73.9%
Vacant25.4%
Price-to-income2.2x
Est. income to buy$37,000