ZIP Code 19604 — Reading, PA Home Prices (2026)

The typical home in ZIP 19604 (Reading, Pennsylvania) is worth about $172,000 at roughly $153 per square foot — 39% more affordable than the Reading median and 41% more affordable than the typical U.S. home.

$172,000

Typical home value

$153

Price per sq ft

#8 of 9

Reading ZIPs by value

-39%

vs Reading median

How 19604 compares

ZIP 19604 is one of the more affordable ZIP codes in Reading: its typical home value of $172,000 ranks #8 of the 9 Reading ZIP codes we track (the citywide range runs from $144,000 in 19602 to $398,000 in 19608). Per square foot it costs about $153, against $168 for Reading as a whole, $167 for Pennsylvania, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 19604	$172,000	$153
Reading, PA	$280,000	$168
Pennsylvania	$240,000	$167
United States	$294,000	$195

Home value by size in 19604

Using this ZIP’s rate of about $153 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.

Home size	Estimated value
1,000 sq ft	$153,000
1,500 sq ft	$229,500
2,000 sq ft	$306,000
2,500 sq ft	$382,500
3,000 sq ft	$459,000

Salary needed to buy a home in ZIP 19604

To buy the typical $172,000 home in ZIP 19604 with 20% down, you need a household income of roughly $47,000 a year (about $1,090 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $56,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$8,600	$1,360/mo	$58,000/yr
10% (+PMI)	$17,200	$1,300/mo	$56,000/yr
20%	$34,400	$1,090/mo	$47,000/yr

Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.

What your budget buys in ZIP 19604

At about $153 per square foot, here is roughly how much home different budgets get you in ZIP 19604:

Budget	Approx. size	What that looks like locally
$150k	980 sq ft	around the typical home here
$200k	1310 sq ft	around the typical home here
$250k	1630 sq ft	above the median — larger homes or the pricier ZIPs
$300k	1960 sq ft	above the median — larger homes or the pricier ZIPs
$400k	2610 sq ft	above the median — larger homes or the pricier ZIPs

Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 19604 home.

Estimate a specific home in 19604

The estimator below is pre-set to ZIP 19604 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.

All Reading ZIP codes by home value

Where 19604 sits among Reading’s 9 ZIP codes:

#	ZIP code	Typical value	$ / sq ft
1	19608	$398,000	$195
2	19606	$306,000	$179
3	19605	$300,000	$184
4	19609	$295,000	$187
5	19607	$280,000	$168
6	19611	$240,000	$167
7	19601	$187,000	$138
8	19604 (this page)	$172,000	$153
9	19602	$144,000	$142

ZIP 19604 home prices: frequently asked

What is the average home price in ZIP code 19604? +

The typical home in ZIP 19604 (Reading, PA) is worth about $172,000 as of 2026. That is 39% more affordable than the Reading median of $280,000 and 41% more affordable than the U.S. median of $294,000.

What is the price per square foot in 19604? +

About $153 per square foot in 19604, versus $168 across Reading and $167 across Pennsylvania. At that rate a 1,500 sq ft home runs roughly $229,500 and a 2,500 sq ft home about $382,500.

What salary do you need to buy a house in ZIP 19604? +

For the typical $172,000 home in ZIP 19604, a household income of about $47,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $56,000; with 5% down about $58,000.

Is 19604 an expensive ZIP code? +

Within Reading, 19604 ranks #8 of 9 ZIP codes by typical home value, which makes it one of the more affordable ZIP codes in Reading. Nationally it is relatively affordable.

See the full Reading home values page, all Pennsylvania cities, or price per square foot by ZIP code nationwide.

Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.