ZIP Code 18436 — Mount Cobb CDP, PA Demographics & Data

ZIP code 18436 covers Mount Cobb, PA in Wayne County with a population of about 13,225.

At a glance, the area shows median age of 52.2 versus a U.S. median of about 38.9.

It sits in telephone area codes 272, 570; U.S. House district PA-8; the WILKES BARRE - SCRANTON media market.

Median household income in ZIP 18436 is about $73,209 — about 3% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.3%; unemployment rate near 9.0%; 20.4% of adults with a bachelor’s degree or higher (about 13.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Healthcare; about 10.6% of workers reporting work-from-home (about 4.6 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $222,000 — about 36% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $689 (about 41% below the U.S. median rent ($1,163)), and owner-occupancy near 88.3% (about 22.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 18436 in Mount Cobb, PA, a household would need roughly $61,000 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 $1,426. That sits below the local median household income ($73,209), 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.

FEMA’s National Risk Index rates natural-hazard risk for Mount Cobb CDP, PA as Relatively Low (composite score 56.3), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (76.0) and flood (71.3). 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 Mount Cobb CDP, PA show little to no average snow and around 45.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 602 for ZIP 18436 (Mount Cobb CDP, 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.