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Mount Carmel 17851

ZIP codeThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.PennsylvaniaSeller's market
Market temperatureA 0 to 100 score comparing this area with every similar area nationwide each month. 0 is the strongest buyer's market, 100 the strongest seller's market.Seller's market · 66
Buyer's marketBalancedSeller's market
$58K
Median sale priceThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.
+20.7%
1-yr changeHow much prices and sales counts changed since the same time last year, using a 3-month average to smooth out noise. Above the dashed line means growth.
213
Sales (12 mo)How many homes sold here in the last 12 months. More sales make the other numbers more reliable.
$50K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Aug 2026Counties take time to publish deeds, so the newest months can be incomplete and may shift as more records arrive.

Market Trends

Market temperature (0–100)How the 0 to 100 market score moved over time. It blends price growth, sales pace, how often homes change hands, and seller profits.Temperature
20162018201920212022202320252026
Sale pricesThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.MedianSales
20162018201920212022202320252026
Growth (year over year)How much prices and sales counts changed since the same time last year, using a 3-month average to smooth out noise. Above the dashed line means growth.PriceSales
20162018201920212022202320252026
Sale premium vs estimated valueHow sale prices compare with our estimated values at the time of sale. Above the dashed line, homes sold for more than the models expected — a sign of competitive bidding. Below it, buyers paid under model value.Premium
20162018201920212022202320252026
Annual turnover (share of homes sold)The share of all homes here that sold in the trailing 12 months. Higher turnover means a more liquid market where homes trade hands more often.Turnover
20162018201920212022202320252026
Buyer mixWho is buying. Cash means no mortgage was recorded, investor means the buyer looked like an investor, and flip means the home resold within a year.CashInvestorFlip resale
20162018201920212022202320252026
Financing (share of purchase price)For buyers who borrowed: the middle share of the price they financed, and the middle share they paid up front.Loan (LTV)Down payment
20162018201920212022202320252026
Sellers who sold at a gainThe share of sellers each month who sold for more than they originally paid.Sold at gain
20162018201920212022202320252026
Typical hold before sellingThe middle number of years sellers owned their home before selling.Median hold
20162018201920212022202320252026
Median annualized return at resaleThe middle yearly gain sellers earned, spread across the years they owned the home. Only counts homes held at least a year.Annualized gain
20162018201920212022202320252026
Preforeclosure filingsForeclosure notices filed each month. A rise can be an early sign that more owners are struggling. Auction stage counts the filings that reached a scheduled foreclosure auction.FilingsAuction stage
201720192021202320242026

Housing Stock

HomesHow many homes we have records for in this area.3,768
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$50K
Single familyThe share of homes here that are single-family houses.98%

Equity & Ownership

Equity rich (LTV ≤ 50%)The share of owners who owe half or less of what their home is worth, meaning they hold a lot of equity.71%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.5.0%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.57%
Company ownedThe share of homes owned by a company or trust instead of a person.14%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.0%
Typical ownership tenureHow long the typical owner here has held their home.8.1 yrs

CommunityThese are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.144
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.106
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.48

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.78%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.10%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.16%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.7,030
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.529 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$54K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$60K
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.46 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.51%

Market metrics are derived from recorded arms-length deeds and refreshed nightly. Temperature blends price momentum, sales velocity, turnover and resale outcomes, ranked against all ZIP codes nationally.

How Mount Carmel 17851 compares

By median home value, Mount Carmel 17851 is the 18th most expensive of 19 ZIP codes in Northumberland County, and its typical home is worth more than 17% of all homes in Northumberland County.

Home values in Mount Carmel 17851

Share of homes at each estimated value.

Median
$19K$260K
ZIP codes in Northumberland County ranked by median home value
#Northumberland CountyMedian valueHomes
1Elysburg 17824$266K1,755
2Paxinos 17860$249K774
3Turbotville 17772$239K730
4Dornsife 17823$239K379
5Riverside 17868$231K171
6Watsontown 17777$220K2,372
7Milton 17847$211K4,085
8Dalmatia 17017$202K624
9Northumberland 17857$193K2,856
10Herndon 17830$193K765
11Montandon 17850$159K155
12Sunbury 17801$153K5,335
13Trevorton 17881$105K629
14Locust Gap 17840$88K160
15Kulpmont 17834$79K1,590
16Marion Heights 17832$73K353
17Coal Township 17866$66K3,811
18Mount Carmel 17851$50K3,768
19Shamokin 17872$49K4,202

About the Mount Carmel 17851 market

What is the median home price in Mount Carmel 17851, PA?

The median sale price in Mount Carmel 17851, PA is $58,333 (data through August 2026), based on deeds recorded with the county. That is up 20.7% from a year earlier.

How many homes sell in Mount Carmel 17851, PA each year?

213 homes sold in Mount Carmel 17851, PA over the last 12 months (data through August 2026). TopHap counts recorded arm's-length deeds, not listings, so the figure is not affected by which brokerage handled the sale.

Is Mount Carmel 17851, PA a buyer's or seller's market?

Mount Carmel 17851, PA is currently a seller's market, scoring 66 out of 100 on TopHap's market temperature index (data through August 2026). The score weighs sales velocity and price direction; above 60 favours sellers, below 40 favours buyers.

How many homes are there in Mount Carmel 17851, PA?

Mount Carmel 17851, PA contains 3,768 residential properties. The median TopHap Estimate is $50K.

How does Mount Carmel 17851, PA compare to the rest of Northumberland County?

By median home value, Mount Carmel 17851, PA is the 18th most expensive of 19 ZIP codes in Northumberland County. Its typical home is worth more than 17% of all homes in Northumberland County. Coal Township 17866 ranks just above it and Shamokin 17872 just below. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Mount Carmel 17851, PA?

57% of homes in Mount Carmel 17851, PA are owner-occupied. 14% are held by a company rather than an individual.

How much equity do owners in Mount Carmel 17851, PA hold?

71% of mortgaged homes in Mount Carmel 17851, PA are equity-rich, meaning the loan balance is under half the home's value. 5.0% owe more than the home is worth.

Nearby markets

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