Rural Valley, PA—16249
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Rural Valley, PA
As of Oct '25, the median home price in Rural Valley, PA is $159,000, with a year-over-year change of 0.7%. This indicates that home prices in Rural Valley, PA are flat. According to Zillow, the 1-year price projection is -2.1%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $159,000 | 0.7% |
| Single Family | $159,000 | 0.6% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $135,000 | 0.7% |
3 Bed | $173,000 | -0.6% |
4 Bed | $181,000 | 2.3% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Rural Valley, PA
Rural Valley, PA lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $625 | $625 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $625 | $625 |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Rural Valley, PA
As of Oct '25, Realtor.com reports that the median days on market for a home in Rural Valley, PA is 182. This is a increase of 78.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $140,000 | -23.0% |
Listing Count | 3 | 23.0% |
| Listings as % of Homes | 0.5% | 23.0% |
Days on Market | 182 | 78.0% |
Demographics — Rural Valley, PA
As of the latest ACS Survey released in 2023, Rural Valley, PA has a population of 1,760, which has decreased by -6.9% over the past 5 years. Rural Valley, PA is a moderately popular place for families, as children make up 16.4% of the population. The area has a poorly educated workforce, with 17.9% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 8.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 1,760 | -6.9% |
% Under 18 | 16.4% | -7.9% |
% Seniors | 20.3% | 5.2% |
% WFH | 8.2% | 86.4% |
% w/ College Degree | 17.9% | -3.2% |
As of the latest ACS Survey released in 2023, Rural Valley, PA is a predominantly white area, with 97.9% of the population identifying as white. The white population has remained stable in the last 5 years. The second most common race or ethnicity in Rural Valley, PA is hispanic, making up 0.2% of the population. Foreign-born residents account for 0.0% of the population in Rural Valley, PA, and this percentage has decreased by 100.0% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 97.9% | 0.0% |
% Black | 0.1% | ∞% |
% Hispanic | 0.2% | -87.5% |
% Asian | 0.0% | N/A |
% Foreign Born | 0.0% | -100.0% |
Mortgage and Risk — Rural Valley, PA
According to HUD data as of 2023, there were 56 mortgage originations in Rural Valley, PA, of which 77.0% of loans were conventional mortgages. The average loan-to-value was 67.0%, with 30.0% above 90% LTV (very high). This implies large mortgage risk in Rural Valley, PA. Investor activity is low, as 0.0% of loans were by investors. 2.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 56 |
% Conventional Loans | 77.0% |
% Government Loans | 23.0% |
% Investor Loans | 0.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 2.0% |
Loan Activity
Rentals and Section 8 — Rural Valley, PA
Rural Valley, PA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 5 |
Total Units Section 8 | 5 |
% Rentals under Section 8 | 4.1% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $335 | $625 | $960 |
| 2 Bedroom | N/A | N/A | $1,260 |
| 3 Bedroom | N/A | N/A | $1,600 |
| 4 Bedroom | N/A | N/A | $1,840 |
Affordability — Rural Valley, PA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.1 |
| Median Home Price | $159,000 |
| Median Household Income | $76,000 |