ZIP code 16861

ZIP 16861 is a very small community in Clearfield County, Pennsylvania, with 274 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #1513 of 1,833 ranked by population — larger than 17% of them. The median age here is 56.3 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 16861 earn a median of $21,985 a year, 72% below the national figure of $78,538. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 27.7% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in ZIP 16861 is valued at $242,500, 20.1% below the national figure, while median gross rent runs not published a month. The home-price-to-income ratio works out to 11×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 96.5% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

Home values sit at 11× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere. A median age of 56.3 puts ZIP 16861 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.

The Census withheld gross rent for ZIP 16861 because the sample was too thin to publish at this geography. Those values were suppressed at the source, not lost in our dataset, and we do not model a replacement. Everything else on this page comes straight from the ACS 2019-2023 ACS 5-year tables.

ZIP 16861 is tabulated inside Clearfield County, Pennsylvania, one of 41 ZIP areas the Census publishes for that county and 1,833 across Pennsylvania. This is one of the smallest tabulated ZIP areas in the state, the kind of rural route where a single subdivision or farm cluster accounts for most addresses. 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 16861 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 16861 reports a median household income of $21,985, 63% below the $59,541 county median, and 69% below the $70,000 typical PA ZIP. Owner-occupied homes are valued at a median of $242,500, 114% above the county figure and 29% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at not published 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 16861 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 16861 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.