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Philadelphia city, PA

ZIP 19138 — 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 19138

Median Home Value
$167,300
Median Rent
$872
Affordability Snapshot
$46,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,075/mo PITI).

20%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

16.0 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 19138 in Philadelphia city, PA, a household would need roughly $46,000 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 $1,075. That sits below the local median household income ($51,586), 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

Historic housing stock (23% built before 1939)

Owner Occupied
64.3%-2% vs US avg
x
Vacancy Rate
7.3%-29% vs US avg
x
Broadband Access
87.1%+0% vs US avg
x
4+ Bedrooms
1.3%-91% vs US avg
x
Built Pre-1939
22.5%+76% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
23.4%-53% vs US avg
x
Mortgage-Free
44.0%+15% vs US avg
x
$167,300
Home Value
$872
Rent
1944
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached4.3%
  • 1-unit attached75.9%
  • 2-9 units13.6%
  • 10+ units5.9%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$167,300
Median rent$872
Owner-occupied64.3%
Vacant7.3%
Price-to-income3.2x
Est. income to buy$46,000