Cheltenham, PA · standard
ZIP Code 19012
Montgomery County, Pennsylvania - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 6,670
- 1,466/sq mi High-density area
- $125,625
- Median income Above-median income area
- $344,700
- Median home value Above-median home value
- 47.4%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Cheltenham pairs a top-decile household income with above-median home values, in a low-density, homeowner-dominated area.
- Top 8%
- household income, US ZIPs
- Top 27%
- home value, US ZIPs
- 1,466
- people per sq mi
- 82%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 19012 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 19012 (Cheltenham, PA) rose +6.0% from 2023 to 2024. The all-transactions index moved from 226.3 in 2023 to 239.9 in 2024 (2000 = 100).
ZIP code 19012 is a mid-sized community (a standard USPS delivery area) in Cheltenham, Montgomery County, Pennsylvania, home to 6,670 residents across 4.5 square miles, a density of 1,466 people per square mile, in the New York time zone.
ZIP 19012 skews affluent, with a median household income of $125,625 (61% above the average Pennsylvania ZIP), while per-capita income is $49,783. The poverty rate is 4.3%, with unemployment at 5.5%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $344,700 (52% above the average Pennsylvania ZIP), while 82.2% of occupied homes are owner-occupied and median rent is $1,622.
A solid share of residents have a four-year degree: 47.4% of adults hold a bachelor's degree or higher, the median age is 38.2, and the average commute is 30 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Montgomery County, so 19012 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 19012
Top 5 sectors by establishment count in Cheltenham, PA
Which industries have the most business establishments in ZIP 19012.
- Construction
Construction
27 establishments
- Other services (except public administration)
Other services (except public administration)
20 establishments
- Health care and social assistance
Health care and social assistance
13 establishments
- Retail trade
Retail trade
11 establishments
- Professional, scientific, and technical services 8
Professional, scientific, and technical services
8 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 19012, Cheltenham, PA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
6,670
Population
4.5
Area (sq mi)
1,466
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 19012?
38.2
Median Age
48.9%
Male
51.1%
Female
16.3%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$125,625
Median Household Income
+61% vs state ZIP avg
$49,783
Per Capita Income
4.3%
Poverty Rate
5.5%
Unemployment Rate
29.6 min
Mean Commute Time
How ZIP 19012 ranks among Pennsylvania ZIPs
Cheltenham, PA household income vs. every Pennsylvania ZIP code
Median household income among 1,642 reporting Pennsylvania ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$125,625 Top 6% higher than 94% of 1,642 Pennsylvania ZIPs
Each bar is a $20K-wide band; taller bars hold more Pennsylvania ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
2,320housing units
2,320
Total Housing Units
2,191
Occupied Units
129
Vacant Units
3.15
Avg Household Size
Occupancy Type
$344,700
Median Home Value
+52% vs state ZIP avg
$1,622
Median Rent
1952
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+6.0%
YoY Change (2024)
240
HPI Index (2000 = 100)
+140%
Total Change Since 2000
Home values in ZIP 19012 have increased 6.0% over the past year (2024). Since 2000, this ZIP has seen +140% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +6.8% | 161 |
| 2021 | +13.9% | 184 |
| 2022 | +14.1% | 210 |
| 2023 | +7.9% | 226 |
| 2024 | +6.0% | 240 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 118 business establishments in ZIP 19012, employing approximately 645 people with a combined annual payroll of $38,695,000.
118
Businesses
645
Employees
$38.7M
Annual Payroll
11
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 27 | 22.9% |
| Other services (except public administration) | 20 | 16.9% |
| Health care and social assistance | 13 | 11.0% |
| Retail trade | 11 | 9.3% |
| Professional, scientific, and technical services | 8 | 6.8% |
| Manufacturing | 7 | 5.9% |
| Wholesale trade | 6 | 5.1% |
| Administrative and support and waste management and remediation services | 6 | 5.1% |
| Educational services | 6 | 5.1% |
| Accommodation and food services | 6 | 5.1% |
| Finance and insurance | 5 | 4.2% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 19012 vs 19111 →
ZIP 19012 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 19120
Philadelphia (19120)
68,104 residents
- 19124
Philadelphia (19124)
66,691 residents
- 19111
Philadelphia (19111)
63,090 residents
- 19149
Philadelphia (19149)
55,006 residents
- 19152
Philadelphia (19152)
33,293 residents
- 19138
Philadelphia (19138)
32,273 residents
- 19141
Philadelphia (19141)
31,376 residents
- 19027 19,067
Elkins Park (19027)
19,067 residents
- 19046 17,809
Jenkintown (19046)
17,809 residents
What this shows Among its immediate neighbors, ZIP 19012 ranks #0 by population - useful context the national average alone can't give.
ZIP 19012 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 19012
Cheltenham (19012)
$125,625 median income
- 19046
Jenkintown (19046)
$109,818 median income
- 19027
Elkins Park (19027)
$106,066 median income
- 19111
Philadelphia (19111)
$61,138 median income
- 19152
Philadelphia (19152)
$59,408 median income
- 19149
Philadelphia (19149)
$58,496 median income
- 19138
Philadelphia (19138)
$57,744 median income
- 19120
Philadelphia (19120)
$54,000 median income
- 19126
Philadelphia (19126)
$53,176 median income
What this shows By household income, ZIP 19012 ranks the highest of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 19111 | Philadelphia, PA | 63,090 | 1.3 mi |
| 19027 | Elkins Park, PA | 19,067 | 1.4 mi |
| 19126 | Philadelphia, PA | 15,758 | 1.7 mi |
| 19120 | Philadelphia, PA | 68,104 | 1.9 mi |
| 19046 | Jenkintown, PA | 17,809 | 2.9 mi |
| 19124 | Philadelphia, PA | 66,691 | 3.0 mi |
| 19138 | Philadelphia, PA | 32,273 | 2.8 mi |
| 19152 | Philadelphia, PA | 33,293 | 3.1 mi |
| 19141 | Philadelphia, PA | 31,376 | 2.6 mi |
| 19149 | Philadelphia, PA | 55,006 | 2.6 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 19012, both outside PA so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (6,670 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Montgomery County
Related Areas
Frequently Asked Questions
What county is ZIP code 19012 in?
ZIP code 19012 (Cheltenham) is located in Montgomery County, Pennsylvania. Montgomery County contains multiple ZIP codes, see the full list at /counties/montgomery-pa.
What is the population of ZIP code 19012?
ZIP code 19012 in Cheltenham, PA has a population of 6,670 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 19012?
The median household income in ZIP 19012 is $125,625, which is 65% above the national average of $76,288.
What is the average home value in ZIP 19012?
The median home value in ZIP 19012 is $344,700, which is 24% above the national average of $278,155.
What is the demographic makeup of ZIP 19012?
The largest racial group in ZIP 19012 is African American at 39.1%. Hispanic or Latino residents make up 8.8% of the population.
How many businesses are in ZIP code 19012?
ZIP code 19012 has 118 business establishments employing approximately 645 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 19012?
The top industries by establishment count in ZIP 19012 are: Construction (27), Other services (except public administration) (20), Health care and social assistance (13). There are 11 industry sectors represented in total.
How have home values changed in ZIP code 19012?
According to the FHFA House Price Index, home values in ZIP 19012 increased by 6.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 140%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 19012?
In ZIP code 19012, 69.6% of residents aged 25+ have a high school diploma or higher, and 47.4% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 19012?
The mean commute time for workers in ZIP code 19012 is 29.6 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 19012?
In ZIP code 19012, approximately 82.2% of occupied housing units are owner-occupied and 17.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 19012?
The poverty rate in ZIP code 19012 is 4.3% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 19012's numbers, next.
- See how ZIP 19012 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Cheltenham, PA ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.