PlainZIP

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
$125,625
Median income
$344,700
Median home value
47.4%
Bachelor's or higher

The verdict

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.

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 Pennsylvania average), while per-capita income is $49,783. 4.3% of residents live below the poverty line, and the unemployment rate reads 5.5%. Median home value sits at $344,700 (52% above the state average), median rent at $1,622 a month, and owner-occupancy at 82.2%.

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. To put 19012 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Montgomery County, for a geography-aware comparison.

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.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 19012?

38.2

Median Age

48.9%

Male

51.1%

Female

16.3%

Foreign-Born

White 38.5%
African American 39.1%
Asian 11.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 11.0%
Hispanic or Latino 8.8%

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

$49,783

Per Capita Income

4.3%

Poverty Rate

5.5%

Unemployment Rate

29.6 min

Mean Commute Time

How ZIP 19012 ranks nationally

Cheltenham, PA household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$125,625 Top 8% higher than 92% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). This entry sits in this band. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US 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?

High School Graduate or Higher 69.6%
Bachelor's Degree or Higher 47.4%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

2,320

Total Housing Units

2,191

Occupied Units

129

Vacant Units

3.15

Avg Household Size

Occupancy Type

Owner 82.2%
Renter 17.8%

$344,700

Median Home Value

+52% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 19012 ranks #0 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 19012 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

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.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
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

More ZIP Codes in Montgomery County

19446 standard
Lansdale, PA
Pop: 55,138
19464 standard
Pottstown, PA
Pop: 45,788
19403 standard
Norristown, PA
Pop: 44,260
19401 standard
Norristown, PA
Pop: 41,753
19426 standard
Collegeville, PA
Pop: 38,831
19002 standard
Ambler, PA
Pop: 32,412

Related Areas

Montgomery County Cheltenham, PA Pennsylvania

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.

Read our methodology to see how this data is sourced, computed, and verified.