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Middletown CDP, PA

ZIP 18020 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 18020

Median Home Value
$348,900
Median Rent
$1,372
Affordability Snapshot
$96,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,241/mo PITI).

13%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.2 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 18020 in Middletown CDP, PA, a household would need roughly $96,000 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 $2,241. That sits below the local median household income ($122,610), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
85.4%+31% vs US avg
x
Vacancy Rate
3.0%-71% vs US avg
x
Broadband Access
93.0%+7% vs US avg
x
4+ Bedrooms
3.8%-74% vs US avg
x
Built Pre-1939
2.7%-79% vs US avg
x
Built Post-2014
1.0%-86% vs US avg
x
Rent Burden >30%
19.1%-62% vs US avg
x
Mortgage-Free
41.0%+7% vs US avg
x
$348,900
Home Value
$1,372
Rent
1986
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached77.9%
  • 1-unit attached13.5%
  • 2-9 units3.2%
  • 10+ units5.5%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$348,900
Median rent$1,372
Owner-occupied85.4%
Vacant3.0%
Price-to-income2.8x
Est. income to buy$96,000