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Reading city, PA

ZIP 19604 — 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 19604

Median Home Value
$110,800
Median Rent
$853
Affordability Snapshot
$31,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$712/mo PITI).

19%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

10.8 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 19604 in Reading city, PA, a household would need roughly $31,000 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 $712. That sits below the local median household income ($52,863), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
49.3%-25% vs US avg
x
Vacancy Rate
6.5%-37% vs US avg
x
Broadband Access
87.4%+0% vs US avg
x
4+ Bedrooms
11.2%-24% vs US avg
x
Built Pre-1939
8.6%-33% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
22.8%-54% vs US avg
x
Mortgage-Free
39.0%+2% vs US avg
x
$110,800
Home Value
$853
Rent
1938
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached14.0%
  • 1-unit attached62.2%
  • 2-9 units17.9%
  • 10+ units5.2%
  • Mobile home & other0.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$110,800
Median rent$853
Owner-occupied49.3%
Vacant6.5%
Price-to-income2.1x
Est. income to buy$31,000