Upper Black Eddy, PA—18972
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Upper Black Eddy, PA
As of Oct '25, the median home price in Upper Black Eddy, PA is $532,000, with a year-over-year change of 5.5%. This indicates that home prices in Upper Black Eddy, PA are increasing. According to Zillow, the 1-year price projection is 1.5%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $532,000 | 5.5% |
| Single Family | $531,000 | 5.8% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $402,000 | 3.3% |
3 Bed | $541,000 | 6.5% |
4 Bed | $680,000 | 4.1% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Upper Black Eddy, PA
As of July '25, Rentcast reports the average rent in Upper Black Eddy, PA is $4,200, with a year-over-year rent change of 20.7%. Per bedroom, the median rent as of July '25 in Upper Black Eddy, PA is 2-bedrooms: $4,000, 3-bedrooms: $4,000, 4-bedrooms: $5,000. The most common rental property sizes in Upper Black Eddy, PA are 3-bedroom and 2-bedroom, accounting for 64.4% and 30.6% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $4,000 | $4,200 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $4,000 | $4,000 |
| 3 Bed Rent | $3,750 | $4,000 |
| 4 Bed Rent | $5,000 | $5,000 |
% of Rental Stock
Property Listings — Upper Black Eddy, PA
As of Oct '25, Realtor.com reports that the median days on market for a home in Upper Black Eddy, PA is 46. This is a decrease of -19.0% 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 15.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $856,000 | -5.0% |
Listing Count | 13 | 42.0% |
| Listings as % of Homes | 0.3% | 42.0% |
Days on Market | 46 | -19.0% |
Demographics — Upper Black Eddy, PA
As of the latest ACS Survey released in 2023, Upper Black Eddy, PA has a population of 2,940, which has decreased by -14.1% over the past 5 years. Upper Black Eddy, PA is a moderately popular place for families, as children make up 15.3% of the population. The area has a moderately educated workforce, with 34.9% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 16.1% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 2,940 | -14.1% |
% Under 18 | 15.3% | 20.5% |
% Seniors | 26.5% | 5.2% |
% WFH | 16.1% | 66.0% |
% w/ College Degree | 34.9% | -14.0% |
As of the latest ACS Survey released in 2023, Upper Black Eddy, PA is a predominantly white area, with 91.5% of the population identifying as white. The white population has shrunk by 7.0% in the last 5 years. The second most common race or ethnicity in Upper Black Eddy, PA is black, making up 3.2% of the population. Foreign-born residents account for 2.0% of the population in Upper Black Eddy, PA, and this percentage has decreased by 9.1% 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 | 91.5% | -7.0% |
% Black | 3.2% | 3,100.0% |
% Hispanic | 2.0% | 150.0% |
% Asian | 0.5% | 0.0% |
% Foreign Born | 2.0% | -9.1% |
Mortgage and Risk — Upper Black Eddy, PA
According to HUD data as of 2023, there were 20 mortgage originations in Upper Black Eddy, PA, of which 90.0% of loans were conventional mortgages. The average loan-to-value was 46.0%, with 5.0% above 90% LTV (normal). This implies small mortgage risk in Upper Black Eddy, PA. Investor activity is low, as 0.0% of loans were by investors. 0.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 20 |
% Conventional Loans | 90.0% |
% Government Loans | 10.0% |
% Investor Loans | 0.0% |
% Second Loans | 5.0% |
% Cash Out Refinance | 0.0% |
Loan Activity
Rentals and Section 8 — Upper Black Eddy, PA
Upper Black Eddy, PA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 3 |
Total Units Section 8 | 3 |
% Rentals under Section 8 | 1.4% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,680 |
| 2 Bedroom | -$2,000 | $4,000 | $2,000 |
| 3 Bedroom | -$1,340 | $3,750 | $2,410 |
| 4 Bedroom | -$2,260 | $5,000 | $2,740 |
Affordability — Upper Black Eddy, PA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.5 |
| Median Home Price | $532,000 |
| Median Household Income | $88,500 |