ZIP code 15865

ZIP 15865 is a small town in Jefferson County, Pennsylvania, with 1,023 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #1159 of 1,833 ranked by population — larger than 36% of them. The median age here is 51.1 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 15865 earn a median of $37,885 a year, 51.8% below the national figure of $78,538. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 17.7% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 15865 is valued at $89,400, 70.5% below the national figure, while median gross rent runs $546 a month, 61.2% below the national figure, or roughly $6,552 across a full year. A household on the local median income would put about 17.3% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 2.4×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 64.9% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

A median age of 51.1 puts ZIP 15865 well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 15865 is tabulated inside Jefferson County, Pennsylvania, one of 24 ZIP areas the Census publishes for that county and 1,833 across Pennsylvania. Fewer than 2,500 people are counted here, so the ZIP behaves like a village delivery route rather than a neighbourhood. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 15865 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 15865 reports a median household income of $37,885, 38% below the $60,842 county median, and 46% below the $70,000 typical PA ZIP. Owner-occupied homes are valued at a median of $89,400, 27% below the county figure and 52% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $546 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Pennsylvania charges 6% statewide, and local governments overlapping 15865 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 15865 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.