ZIP Code 16828 — Centre Hall borough, PA Demographics & Data

ZIP code 16828 covers Centre Hall, PA in Centre County with a population of about 4,774.

At a glance, the area shows median age of 50.4 versus a U.S. median of about 38.9.

It sits in telephone area codes 582, 814; U.S. House district PA-15; the JOHNSTOWN - ALTOONA media market.

Median household income in ZIP 16828 is about $73,810 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.1%; unemployment rate near 5.0%; 28.5% of adults with a bachelor’s degree or higher (about 5.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Retail trade; about 11.2% of workers reporting work-from-home (about 4.0 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $275,800 — about 21% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $747 (about 36% below the U.S. median rent ($1,163)), and owner-occupancy near 85.8% (about 20.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 16828 in Centre Hall, PA, a household would need roughly $76,000 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 $1,772. That is roughly in line with the local median household income ($73,810). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Centre Hall borough, PA as Relatively Low (composite score 68.0), which is near the middle of the national distribution. The strongest component scores on US5 are flood (81.2) and hurricane (77.5). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Centre Hall borough, PA show little to no average snow and around 41.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 217 for ZIP 16828 (Centre Hall borough, PA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.