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Shippensburg borough, PA

ZIP 17257 — 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 17257

Median Home Value
$219,200
Median Rent
$872
Affordability Snapshot
$60,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,408/mo PITI).

15%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

20.9 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 17257 in Shippensburg borough, PA, a household would need roughly $60,000 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 $1,408. That sits below the local median household income ($71,504), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
67.9%+4% vs US avg
x
Vacancy Rate
7.5%-27% vs US avg
x
Broadband Access
82.9%-5% vs US avg
x
4+ Bedrooms
3.1%-79% vs US avg
x
Built Pre-1939
6.9%-46% vs US avg
x
Built Post-2014
0.9%-86% vs US avg
x
Rent Burden >30%
25.7%-48% vs US avg
x
Mortgage-Free
42.6%+12% vs US avg
x
$219,200
Home Value
$872
Rent
1981
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached58.9%
  • 1-unit attached7.7%
  • 2-9 units11.7%
  • 10+ units10.8%
  • Mobile home & other10.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$219,200
Median rent$872
Owner-occupied67.9%
Vacant7.5%
Price-to-income3.1x
Est. income to buy$60,000