ZIP Code 19040 — Horsham CDP, PA Demographics & Data

ZIP code 19040 covers Horsham, PA in Montgomery County with a population of about 21,866.

At a glance, the area shows median age of 40.2 (near the U.S. median).

It sits in telephone area codes 215, 267, 445; U.S. House district PA-4; the PHILADELPHIA media market.

Horsham, PA sits in a university / college context (near won institute of graduate studies (2.2 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 19040 is about $109,207 — about 45% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.7%; unemployment rate near 3.7%; 37.6% of adults with a bachelor’s degree or higher (about 3.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Professional services; about 15.2% of workers reporting work-from-home (roughly in line with 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 $367,700 — about 6% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,566 (about 35% above the U.S. median rent ($1,163)), and owner-occupancy near 72.5% (about 7.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 19040 in Horsham, PA, a household would need roughly $101,000 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 $2,362. That is roughly in line with the local median household income ($109,207). 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 Horsham 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 Horsham CDP, PA show little to no average snow.

IRS migration statistics show a net inflow of about 996 for ZIP 19040 (Horsham 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.