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Swoyersville borough, PA

ZIP 18704 — 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 18704

Median Home Value
$154,600
Median Rent
$765
Affordability Snapshot
$43,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$993/mo PITI).

15%
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.

16.8 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 18704 in Swoyersville borough, PA, a household would need roughly $43,000 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 $993. That sits below the local median household income ($62,907), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
61.1%-7% vs US avg
x
Vacancy Rate
8.6%-17% vs US avg
x
Broadband Access
91.0%+5% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
10.4%-19% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
24.9%-50% vs US avg
x
Mortgage-Free
42.0%+10% vs US avg
x
$154,600
Home Value
$765
Rent
1954
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 detached59.0%
  • 1-unit attached13.6%
  • 2-9 units19.6%
  • 10+ units7.5%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$154,600
Median rent$765
Owner-occupied61.1%
Vacant8.6%
Price-to-income2.5x
Est. income to buy$43,000