White Oak, PA—15131
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — White Oak, PA
As of Oct '25, the median home price in White Oak, PA is $171,000, with a year-over-year change of 3.9%. This indicates that home prices in White Oak, PA are increasing. According to Zillow, the 1-year price projection is -1.2%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $171,000 | 3.9% |
| Single Family | $171,000 | 3.6% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $131,000 | 4.0% |
3 Bed | $180,000 | 3.4% |
4 Bed | $228,000 | 4.1% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — White Oak, PA
As of July '25, Rentcast reports the average rent in White Oak, PA is $1,270, with a year-over-year rent change of 21.0%. Per bedroom, the median rent as of July '25 in White Oak, PA is studios: $2,150, 1-bedrooms: $932, 2-bedrooms: $1,020, 3-bedrooms: $1,700. The most common rental property sizes in White Oak, PA are 2-bedroom and 1-bedroom, accounting for 44.7% and 29.9% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,030 | $1,270 |
| Studio Rent | $2,150 | $2,150 |
| 1 Bed Rent | $1,020 | $932 |
| 2 Bed Rent | $995 | $1,020 |
| 3 Bed Rent | $1,580 | $1,700 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — White Oak, PA
As of Oct '25, Realtor.com reports that the median days on market for a home in White Oak, PA is 41. This is a decrease of -26.0% 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 6.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $200,000 | 9.0% |
Listing Count | 32 | 1.0% |
| Listings as % of Homes | 0.4% | 1.0% |
Days on Market | 41 | -26.0% |
Demographics — White Oak, PA
As of the latest ACS Survey released in 2023, White Oak, PA has a population of 8,450, which has increased by 6.4% over the past 5 years. White Oak, 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 30.0% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 17.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 8,450 | 6.4% |
% Under 18 | 17.0% | 1.8% |
% Seniors | 28.3% | 10.5% |
% WFH | 17.5% | 483.3% |
% w/ College Degree | 30.0% | 14.5% |
As of the latest ACS Survey released in 2023, White Oak, PA is a predominantly white area, with 93.0% of the population identifying as white. The white population has shrunk by 2.0% in the last 5 years. The second most common race or ethnicity in White Oak, PA is black, making up 2.7% of the population. Foreign-born residents account for 0.7% of the population in White Oak, PA, and this percentage has decreased by 68.2% 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 | 93.0% | -2.0% |
% Black | 2.7% | -18.2% |
% Hispanic | 1.0% | 11.1% |
% Asian | 0.2% | -75.0% |
% Foreign Born | 0.7% | -68.2% |
Mortgage and Risk — White Oak, PA
According to HUD data as of 2023, there were 128 mortgage originations in White Oak, PA, of which 77.0% of loans were conventional mortgages. The average loan-to-value was 69.0%, with 38.0% above 90% LTV (very high). This implies large mortgage risk in White Oak, PA. Investor activity is low, as 1.0% 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 | 128 |
% Conventional Loans | 77.0% |
% Government Loans | 23.0% |
% Investor Loans | 1.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 9.0% |
Loan Activity
Rentals and Section 8 — White Oak, PA
White Oak, PA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 95 |
Total Units Section 8 | 95 |
% Rentals under Section 8 | 5.2% |
% Occupied Section 8 | 96.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$20 | $1,020 | $1,000 |
| 2 Bedroom | $205 | $995 | $1,200 |
| 3 Bedroom | -$50 | $1,580 | $1,530 |
| 4 Bedroom | N/A | N/A | $1,650 |
Affordability — White Oak, PA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.2 |
| Median Home Price | $171,000 |
| Median Household Income | $68,500 |