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Stillwater borough, PA

ZIP 17878 — 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 17878

Median Home Value
$195,800
Median Rent
$595
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,258/mo PITI).

9%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

27.4 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 17878 in Stillwater borough, PA, a household would need roughly $54,000 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 $1,258. That sits below the local median household income ($76,875), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
89.2%+36% vs US avg
x
Vacancy Rate
12.9%+26% vs US avg
x
Broadband Access
86.2%-1% vs US avg
x
4+ Bedrooms
4.8%-68% vs US avg
x
Built Pre-1939
4.0%-69% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
11.1%-78% vs US avg
x
Mortgage-Free
54.0%+41% vs US avg
x
$195,800
Home Value
$595
Rent
1973
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached85.1%
  • 1-unit attached0.3%
  • 2-9 units6.4%
  • 10+ units0.0%
  • Mobile home & other8.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$195,800
Median rent$595
Owner-occupied89.2%
Vacant12.9%
Price-to-income2.5x
Est. income to buy$54,000