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Mertztown CDP, PA

ZIP 19539 — 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 19539

Median Home Value
$264,300
Median Rent
$789
Affordability Snapshot
$73,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,698/mo PITI).

9%
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.

27.9 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 19539 in Mertztown CDP, 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 $1,698. That sits below the local median household income ($102,694), 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
91.6%+40% vs US avg
x
Vacancy Rate
1.0%-90% vs US avg
x
Broadband Access
92.6%+6% vs US avg
x
4+ Bedrooms
2.0%-87% vs US avg
x
Built Pre-1939
2.4%-81% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
10.4%-79% vs US avg
x
Mortgage-Free
28.4%-26% vs US avg
x
$264,300
Home Value
$789
Rent
1976
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached90.9%
  • 1-unit attached3.7%
  • 2-9 units2.2%
  • 10+ units0.0%
  • Mobile home & other3.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$264,300
Median rent$789
Owner-occupied91.6%
Vacant1.0%
Price-to-income2.6x
Est. income to buy$73,000