ZIP Code 16861 — undefined, PA Demographics & Data

ZIP code 16861 covers PA in Clearfield County with a population of about 274.

At a glance, the area shows median age of 56.3 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.

PA reads as a military / base-oriented community on US5’s intent model (elevated veteran share (23.6%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 16861 is about $21,985 — about 71% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 27.7%; unemployment rate near 9.4%; 5.3% of adults with a bachelor’s degree or higher (about 28.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Construction, and Transportation; about 5.0% of workers reporting work-from-home (about 10.2 points below the U.S. share (15.2%)); a mean commute of about 76.0 minutes (U.S. average near 26.8).

Median home value is about $242,500 — about 30% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 96.5% (about 31.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 16861 in PA, a household would need roughly $67,000 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 $1,558. That is about 205% above the local median household income ($21,985), so the median earner would likely stretch or need a larger down payment. 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 PA as Relatively Low (composite score 67.1), which is near the middle of the national distribution. The strongest component scores on US5 are flood (80.6) and hurricane (71.0). 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 PA show little to no average snow and around 48.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 12 for ZIP 16861 (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.