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Mount Carmel borough, PA

ZIP 17851 — 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 17851

Median Home Value
$73,200
Median Rent
$573
Affordability Snapshot
$20,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$470/mo PITI).

13%
Rent-to-Income Ratio

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

1.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

10.6 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 17851 in Mount Carmel borough, PA, a household would need roughly $20,000 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 $470. That sits below the local median household income ($53,808), 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 24% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.4%+17% vs US avg
x
Vacancy Rate
23.9%+132% vs US avg
x
Broadband Access
80.2%-8% vs US avg
x
4+ Bedrooms
6.6%-56% vs US avg
x
Built Pre-1939
12.1%-5% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
9.7%-81% vs US avg
x
Mortgage-Free
55.6%+46% vs US avg
x
$73,200
Home Value
$573
Rent
1938
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached36.5%
  • 1-unit attached49.8%
  • 2-9 units9.2%
  • 10+ units3.3%
  • Mobile home & other1.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$73,200
Median rent$573
Owner-occupied76.4%
Vacant23.9%
Price-to-income1.4x
Est. income to buy$20,000