Girard, PA—16417
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Girard, PA
As of Oct '25, the median home price in Girard, PA is $219,000, with a year-over-year change of 5.8%. This indicates that home prices in Girard, PA are increasing. According to Zillow, the 1-year price projection is 2.1%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $219,000 | 5.8% |
| Single Family | $219,000 | 6.3% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $172,000 | 7.5% |
3 Bed | $222,000 | 6.2% |
4 Bed | $274,000 | 7.9% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Girard, PA
As of July '25, Rentcast reports the average rent in Girard, PA is $900, with a year-over-year rent change of 12.5%. Per bedroom, the median rent as of July '25 in Girard, PA is 1-bedrooms: $900. The most common rental property sizes in Girard, PA are 2-bedroom and 1-bedroom, accounting for 44.1% and 38.9% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $900 | $900 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $900 | $900 |
| 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 — Girard, PA
As of Oct '25, Realtor.com reports that the median days on market for a home in Girard, PA is 47. This is a increase of 139.0% 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 17.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $216,000 | -6.0% |
Listing Count | 12 | 15.0% |
| Listings as % of Homes | 0.2% | 15.0% |
Days on Market | 47 | 139.0% |
Demographics — Girard, PA
As of the latest ACS Survey released in 2023, Girard, PA has a population of 8,400, which has increased by 6.8% over the past 5 years. Girard, PA is a moderately popular place for families, as children make up 17.0% of the population. The area has a moderately educated workforce, with 30.2% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 7.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 8,400 | 6.8% |
% Under 18 | 17.0% | -30.3% |
% Seniors | 18.5% | 4.5% |
% WFH | 7.2% | 118.2% |
% w/ College Degree | 30.2% | 20.8% |
As of the latest ACS Survey released in 2023, Girard, PA is a predominantly white area, with 96.2% of the population identifying as white. The white population has grown by 5.0% in the last 5 years. The second most common race or ethnicity in Girard, PA is hispanic, making up 1.7% of the population. Foreign-born residents account for 1.1% of the population in Girard, PA, and this percentage has decreased by 35.3% 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 | 96.2% | 5.0% |
% Black | 0.0% | -100.0% |
% Hispanic | 1.7% | -67.3% |
% Asian | 0.5% | 25.0% |
% Foreign Born | 1.1% | -35.3% |
Mortgage and Risk — Girard, PA
According to HUD data as of 2023, there were 175 mortgage originations in Girard, PA, of which 85.0% of loans were conventional mortgages. The average loan-to-value was 60.0%, with 26.0% above 90% LTV (very high). This implies large mortgage risk in Girard, PA. Investor activity is low, as 0.0% of loans were by investors. 11.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 175 |
% Conventional Loans | 85.0% |
% Government Loans | 15.0% |
% Investor Loans | 0.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 11.0% |
Loan Activity
Rentals and Section 8 — Girard, PA
Girard, PA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 127 |
Total Units Section 8 | 92 |
% Rentals under Section 8 | 10.7% |
% Occupied Section 8 | 94.4% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$200 | $900 | $700 |
| 2 Bedroom | N/A | N/A | $910 |
| 3 Bedroom | N/A | N/A | $1,130 |
| 4 Bedroom | N/A | N/A | $1,230 |
Affordability — Girard, PA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.3 |
| Median Home Price | $219,000 |
| Median Household Income | $80,400 |