The story of this market
The typical home in ZIP 18845 sells for about $299,000, or $142 per square foot.
Prices are up +3.2% from a year ago, so sellers still have some momentum. Homes take about 88 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $940 a month.
ZIP 18845 — Stevensville
The housing market in 18845 is characterized by low inventory and slow turnover, typical of a rural Pennsylvania market. Prices have seen modest appreciation, driven by limited supply rather than high demand. The market remains stable with little speculative activity.
This ZIP is best suited for families and individuals seeking a quiet, rural lifestyle, affordable housing, and proximity to outdoor recreation, rather than commuters or investors looking for high-density rental yields.
Median prices moved up 3.2% year over year.
Homes spend a median of 88 days on market with 7.0 months of supply — a slower-moving market.
12% of listings have cut prices · homes sell at 97.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 24.5% · poverty 33.9% — elevated distress and economic pressure.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.8%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.7%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
in-migration and out-migration balanced
ZCTA 18845, Bradford County PA
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Crime rates in this rural Bradford County area are generally low and stable, consistent with regional trends for small-town Pennsylvania.
Schools serving the area are part of the Wyalusing Area School District, which maintains a rural, community-focused educational environment.
The area is subject to standard regional risks including seasonal flooding near the Susquehanna River and winter weather impacts; property insurance remains available but premiums reflect rural fire-response times.
Economic momentum is driven by agriculture, forestry, and regional energy sector activity, with limited new large-scale commercial development.
Property taxes are levied by the county, township, and school district; the area does not utilize MUDs or PIDs, and there are no significant special assessment districts.
Commutes are primarily car-dependent, with residents traveling to employment hubs in Towanda or regional centers via US-6 and local state routes.
The area offers extensive outdoor recreation including access to the Susquehanna River for fishing and boating, local state game lands, and rural hiking trails.
The rental market is limited in depth, characterized by low turnover and a lack of multi-family inventory, with most rentals being single-family homes.
The local economy is anchored by agriculture, timber, and regional energy services, with employment concentrated in nearby Towanda.
Transportation is entirely reliant on private vehicles; there is no public transit infrastructure serving this rural ZIP code.
There are no major commercial or residential developments currently approved or under construction in this ZIP.
The Bradford County Assessment Office manages property valuations based on a base-year system.
Parcels are subject to Wyalusing Area School District taxes and local township levies.
Property insurance is standard for rural Pennsylvania, with premiums influenced by proximity to fire hydrants and local volunteer fire department coverage.
Pennsylvania is a judicial foreclosure state requiring court action to initiate the process.
Sellers are required to provide a comprehensive property disclosure statement covering known material defects.
Data retrieved from data.census.gov ZCTA-level tables.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Provides primary regional access for boating and fishing.
Extensive public land for hunting and hiking.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.