Cambridge Springs, PA—16403
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Cambridge Springs, PA
As of Oct '25, the median home price in Cambridge Springs, PA is $173,000, with a year-over-year change of 5.7%. This indicates that home prices in Cambridge Springs, PA are increasing. According to Zillow, the 1-year price projection is 1.0%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $173,000 | 5.7% |
| Single Family | $173,000 | 6.1% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | $212,000 | 8.7% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Cambridge Springs, PA
As of July '25, Rentcast reports the average rent in Cambridge Springs, PA is $595, with a year-over-year rent change of -11.5%. Per bedroom, the median rent as of July '25 in Cambridge Springs, PA is 1-bedrooms: $595. The most common rental property sizes in Cambridge Springs, PA are 1-bedroom and 2-bedroom, accounting for 37.8% and 26.7% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $595 | $595 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $595 | $595 |
| 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 — Cambridge Springs, PA
As of Oct '25, Realtor.com reports that the median days on market for a home in Cambridge Springs, PA is 57. This is a decrease of -6.0% from last year, suggesting that homes are sitting on the market shorter 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 | $389,000 | 58.0% |
Listing Count | 12 | 72.0% |
| Listings as % of Homes | 0.4% | 72.0% |
Days on Market | 57 | -6.0% |
Demographics — Cambridge Springs, PA
As of the latest ACS Survey released in 2023, Cambridge Springs, PA has a population of 6,980, which has increased by 4.5% over the past 5 years. Cambridge Springs, PA is a moderately popular place for families, as children make up 20.8% of the population. The area has a poorly educated workforce, with 22.7% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 6,980 | 4.5% |
% Under 18 | 20.8% | 11.2% |
% Seniors | 16.5% | 4.4% |
% WFH | 5.2% | 18.2% |
% w/ College Degree | 22.7% | 3.2% |
As of the latest ACS Survey released in 2023, Cambridge Springs, PA is a predominantly white area, with 92.9% of the population identifying as white. The white population has grown by 1.9% in the last 5 years. The second most common race or ethnicity in Cambridge Springs, PA is hispanic, making up 3.0% of the population. Foreign-born residents account for 0.9% of the population in Cambridge Springs, PA, and this percentage has decreased by 55.0% 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 | 92.9% | 1.9% |
% Black | 2.3% | -46.5% |
% Hispanic | 3.0% | 57.9% |
% Asian | 0.1% | -87.5% |
% Foreign Born | 0.9% | -55.0% |
Mortgage and Risk — Cambridge Springs, PA
According to HUD data as of 2023, there were 109 mortgage originations in Cambridge Springs, PA, of which 86.0% of loans were conventional mortgages. The average loan-to-value was 61.0%, with 27.0% above 90% LTV (very high). This implies large mortgage risk in Cambridge Springs, PA. Investor activity is low, as 2.0% of loans were by investors. 9.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 109 |
% Conventional Loans | 86.0% |
% Government Loans | 14.0% |
% Investor Loans | 2.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 9.0% |
Loan Activity
Rentals and Section 8 — Cambridge Springs, PA
Cambridge Springs, PA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 43 |
Total Units Section 8 | 43 |
% Rentals under Section 8 | 10.8% |
% Occupied Section 8 | 89.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $115 | $595 | $710 |
| 2 Bedroom | N/A | N/A | $910 |
| 3 Bedroom | N/A | N/A | $1,180 |
| 4 Bedroom | N/A | N/A | $1,340 |
Affordability — Cambridge Springs, PA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.5 |
| Median Home Price | $173,000 |
| Median Household Income | $69,500 |