ZIP code 19040

ZIP 19040 is a mid-size town in Montgomery County, Pennsylvania, with 21,866 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #181 of 1,833 ranked by population — larger than 90% of them. The median age here is 40.2 years against 39.1 nationally, a slightly older profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 19040 earn a median of $109,207 a year, 39% above the national figure of $78,538. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 5.7% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 19040 is valued at $367,700, 21.2% above the national figure, while median gross rent runs $1,657 a month, 17.9% above the national figure, or roughly $19,884 across a full year. A household on the local median income would put about 18.2% 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 3.4×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 72.5% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. 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 19040 is tabulated inside Montgomery County, Pennsylvania, one of 58 ZIP areas the Census publishes for that county and 1,833 across Pennsylvania. This is a mid-sized suburban ZIP inside a county that is split across many delivery areas. 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 19040 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 19040 reports a median household income of $109,207, 4% below the $113,464 county median, and 56% above the $70,000 typical PA ZIP. Owner-occupied homes are valued at a median of $367,700, 11% below the county figure and 96% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,657 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 19040 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 19040 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.