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Larksville borough, PA

ZIP 18651 — 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 18651

Median Home Value
$90,400
Median Rent
$722
Affordability Snapshot
$25,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$581/mo PITI).

20%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

10.4 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 18651 in Larksville borough, PA, a household would need roughly $25,000 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 $581. That sits below the local median household income ($43,639), 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 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
55.3%-15% vs US avg
x
Vacancy Rate
19.2%+86% vs US avg
x
Broadband Access
77.0%-12% vs US avg
x
4+ Bedrooms
2.1%-86% vs US avg
x
Built Pre-1939
10.9%-15% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
20.9%-58% vs US avg
x
Mortgage-Free
55.3%+45% vs US avg
x
$90,400
Home Value
$722
Rent
1943
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 detached50.5%
  • 1-unit attached21.0%
  • 2-9 units19.5%
  • 10+ units5.8%
  • Mobile home & other3.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$90,400
Median rent$722
Owner-occupied55.3%
Vacant19.2%
Price-to-income2.1x
Est. income to buy$25,000