Harborcreek, PA—16421
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Harborcreek, PA
As of Oct '25, the median home price in Harborcreek, PA is $244,000, with a year-over-year change of 5.8%. This indicates that home prices in Harborcreek, PA are increasing. According to Zillow, the 1-year price projection is 2.7%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $244,000 | 5.8% |
| Single Family | $244,000 | 5.6% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $179,000 | 7.2% |
3 Bed | $250,000 | 5.5% |
4 Bed | $290,000 | 6.2% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Harborcreek, PA
Harborcreek, PA lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | N/A | N/A |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 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 — Harborcreek, PA
As of Oct '25, Realtor.com reports that the median days on market for a home in Harborcreek, PA is 38. This is a decrease of -4.0% 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 | $280,000 | 28.0% |
Listing Count | 4 | -63.0% |
| Listings as % of Homes | 0.4% | -63.0% |
Days on Market | 38 | -4.0% |
Demographics — Harborcreek, PA
As of the latest ACS Survey released in 2023, Harborcreek, PA has a population of 2,250, which has decreased by -15.8% over the past 5 years. Harborcreek, PA is a moderately popular place for families, as children make up 19.8% of the population. The area has a moderately educated workforce, with 27.6% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 10.1% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 2,250 | -15.8% |
% Under 18 | 19.8% | -12.8% |
% Seniors | 27.2% | 21.4% |
% WFH | 10.1% | 381.0% |
% w/ College Degree | 27.6% | -4.2% |
As of the latest ACS Survey released in 2023, Harborcreek, PA is a predominantly white area, with 95.0% 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 Harborcreek, PA is hispanic, making up 0.6% of the population. Foreign-born residents account for 2.8% of the population in Harborcreek, PA, and this percentage has increased by 86.7% 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 | 95.0% | -2.3% |
% Black | 0.0% | -100.0% |
% Hispanic | 0.6% | -14.3% |
% Asian | 0.0% | -100.0% |
% Foreign Born | 2.8% | 86.7% |
Mortgage and Risk — Harborcreek, PA
According to HUD data as of 2023, there were 51 mortgage originations in Harborcreek, PA, of which 86.0% of loans were conventional mortgages. The average loan-to-value was 58.0%, with 20.0% above 90% LTV (very high). This implies large mortgage risk in Harborcreek, PA. Investor activity is low, as 2.0% of loans were by investors. 6.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 51 |
% Conventional Loans | 86.0% |
% Government Loans | 14.0% |
% Investor Loans | 2.0% |
% Second Loans | 6.0% |
% Cash Out Refinance | 6.0% |
Loan Activity
Rentals and Section 8 — Harborcreek, PA
Harborcreek, PA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 82 |
Total Units Section 8 | 82 |
% Rentals under Section 8 | 21.5% |
% Occupied Section 8 | 98.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $800 |
| 2 Bedroom | N/A | N/A | $1,040 |
| 3 Bedroom | N/A | N/A | $1,290 |
| 4 Bedroom | N/A | N/A | $1,410 |
Affordability — Harborcreek, PA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.1 |
| Median Home Price | $244,000 |
| Median Household Income | $68,100 |