Mountain Top, PA—18707
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Mountain Top, PA
As of Oct '25, the median home price in Mountain Top, PA is $322,000, with a year-over-year change of 3.4%. This indicates that home prices in Mountain Top, PA are increasing. According to Zillow, the 1-year price projection is 1.2%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $322,000 | 3.4% |
| Single Family | $322,000 | 2.5% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $197,000 | -2.0% |
3 Bed | $291,000 | 4.3% |
4 Bed | $435,000 | 4.6% |
| 5 Bed | $591,000 | 4.2% |
% of Housing Stock
Rental Trends — Mountain Top, PA
As of July '25, Rentcast reports the average rent in Mountain Top, PA is $1,200, with a year-over-year rent change of -14.3%. Per bedroom, the median rent as of July '25 in Mountain Top, PA is 1-bedrooms: $655, 2-bedrooms: $1,200, 3-bedrooms: $1,750. The most common rental property sizes in Mountain Top, PA are 3-bedroom and 2-bedroom, accounting for 46.5% and 20.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,150 | $1,200 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $655 | $655 |
| 2 Bed Rent | $1,150 | $1,200 |
| 3 Bed Rent | $1,750 | $1,750 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Mountain Top, PA
As of Oct '25, Realtor.com reports that the median days on market for a home in Mountain Top, PA is 52. This is a increase of 34.0% 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 38.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $395,000 | 6.0% |
Listing Count | 48 | 104.0% |
| Listings as % of Homes | 0.2% | 104.0% |
Days on Market | 52 | 34.0% |
Demographics — Mountain Top, PA
As of the latest ACS Survey released in 2023, Mountain Top, PA has a population of 16,400, which has increased by 2.1% over the past 5 years. Mountain Top, PA is a moderately popular place for families, as children make up 23.4% of the population. The area has a moderately educated workforce, with 44.0% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 15.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 16,400 | 2.1% |
% Under 18 | 23.4% | 15.8% |
% Seniors | 17.8% | -0.6% |
% WFH | 15.9% | 231.2% |
% w/ College Degree | 44.0% | 23.2% |
As of the latest ACS Survey released in 2023, Mountain Top, PA is a predominantly white area, with 88.7% of the population identifying as white. The white population has shrunk by 2.3% in the last 5 years. The second most common race or ethnicity in Mountain Top, PA is asian, making up 5.2% of the population. Foreign-born residents account for 6.6% of the population in Mountain Top, PA, and this percentage has increased by 20.0% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 88.7% | -2.3% |
% Black | 0.1% | -66.7% |
% Hispanic | 2.7% | 92.9% |
% Asian | 5.2% | -8.8% |
% Foreign Born | 6.6% | 20.0% |
Mortgage and Risk — Mountain Top, PA
According to HUD data as of 2023, there were 309 mortgage originations in Mountain Top, PA, of which 88.0% of loans were conventional mortgages. The average loan-to-value was 57.0%, with 19.0% above 90% LTV (elevated). This implies medium mortgage risk in Mountain Top, PA. Investor activity is low, as 0.0% of loans were by investors. 10.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 309 |
% Conventional Loans | 88.0% |
% Government Loans | 12.0% |
% Investor Loans | 0.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 10.0% |
Loan Activity
Rentals and Section 8 — Mountain Top, PA
Mountain Top, PA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 118 |
Total Units Section 8 | 15 |
% Rentals under Section 8 | 2.1% |
% Occupied Section 8 | 76.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $125 | $655 | $780 |
| 2 Bedroom | -$210 | $1,150 | $940 |
| 3 Bedroom | -$530 | $1,750 | $1,220 |
| 4 Bedroom | N/A | N/A | $1,340 |
Affordability — Mountain Top, PA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.7 |
| Median Home Price | $322,000 |
| Median Household Income | $105,000 |