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Swarthmore borough, PA

ZIP 19081 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 19081

Median Home Value
$333,600
Median Rent
$1,307
Affordability Snapshot
$92,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,143/mo PITI).

12%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.3 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 19081 in Swarthmore borough, PA, a household would need roughly $92,000 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 $2,143. That sits below the local median household income ($129,973), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
81.0%+24% vs US avg
x
Vacancy Rate
3.8%-63% vs US avg
x
Broadband Access
96.0%+10% vs US avg
x
4+ Bedrooms
7.3%-50% vs US avg
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
21.1%-58% vs US avg
x
Mortgage-Free
42.0%+10% vs US avg
x
$333,600
Home Value
$1,307
Rent
1954
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached46.8%
  • 1-unit attached26.2%
  • 2-9 units10.7%
  • 10+ units13.7%
  • Mobile home & other2.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$333,600
Median rent$1,307
Owner-occupied81.0%
Vacant3.8%
Price-to-income2.6x
Est. income to buy$92,000