ZIP Code 19004 — Bala Cynwyd CDP, PA Demographics & Data

ZIP code 19004 covers Bala Cynwyd, PA in Montgomery County with a population of about 10,439.

At a glance, the area shows median age of 42.3 versus a U.S. median of about 38.9.

It sits in telephone area codes 484, 610, 835; U.S. House district PA-4; the PHILADELPHIA media market.

Bala Cynwyd, PA sits in a university / college context (near philadelphia college of osteopathic medicine (0.9 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 19004 is about $143,781 — about 91% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.3%; unemployment rate near 4.8%; 72.5% of adults with a bachelor’s degree or higher (about 38.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Education; about 28.2% of workers reporting work-from-home (about 13.0 points above 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 $616,000 — about 77% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,704 (about 47% above the U.S. median rent ($1,163)), and owner-occupancy near 71.7% (about 6.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 19004 in Bala Cynwyd, PA, a household would need roughly $170,000 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 $3,957. That is about 18% above the local median household income ($143,781), so the median earner would likely stretch or need a larger down payment. 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 Bala Cynwyd CDP, PA as Relatively High (composite score 96.8), which is among the highest nationally. The strongest component scores on US5 are flood (98.2) and hurricane (89.9). 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 Bala Cynwyd CDP, PA show little to no average snow and around 50.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 475 for ZIP 19004 (Bala Cynwyd 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.