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Kutztown borough, PA

ZIP 19530 — 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 19530

Median Home Value
$265,000
Median Rent
$1,020
Affordability Snapshot
$73,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,702/mo PITI).

17%
Rent-to-Income Ratio

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

3.6x
Home Price-to-Income Ratio

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

21.7 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 19530 in Kutztown borough, PA, a household would need roughly $73,000 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 $1,702. That is roughly in line with the local median household income ($74,138). 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
66.9%+2% vs US avg
x
Vacancy Rate
8.9%-13% vs US avg
x
Broadband Access
85.5%-2% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
1.8%-86% vs US avg
x
Built Post-2014
1.0%-86% vs US avg
x
Rent Burden >30%
24.9%-50% vs US avg
x
Mortgage-Free
48.2%+26% vs US avg
x
$265,000
Home Value
$1,020
Rent
1971
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached57.3%
  • 1-unit attached12.3%
  • 2-9 units14.5%
  • 10+ units8.9%
  • Mobile home & other7.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$265,000
Median rent$1,020
Owner-occupied66.9%
Vacant8.9%
Price-to-income3.6x
Est. income to buy$73,000