At the June 30, 2026 endpoint, the immediate tension in 19130 sits in the for-sale record rather than in a rental comp set. Redfin’s direct rolling-three-month ZIP resale observation reports a $507,385 median sold price, up 10.9% year over year, across 130 homes sold. Median marketing time was 43 days; inventory was 137 homes and months of supply stood at 3.2. Sellers received 98.3% of list price on average, while 23.0% of sales closed above list. These are ZIP resale liquidity and pricing signals only—not rental transactions, asking rents, or property-level economics. They establish a brisker price backdrop against which the slower rent record and income screen should be read, not evidence that a rental unit will command a given amount.
In June 2026, Zillow’s current ZORI for the ZIP is $1,946 per month, a 2.75% year-over-year increase. ZORI is a typical observed asking-rent index blended across rental types; it is not a census rent measure or a bedroom-specific lease comp. Annualizing the index produces $23,352, and dividing that figure by the Redfin median sold price yields a 4.60% cross-source screening ratio. It is only a screening ratio, not a measure of a property’s operating, financing, or transaction economics. The five-digit label 19130 is both a Zillow ZIP market identifier and a Census ZCTA match; a ZCTA is a statistical area and is not identical to a USPS delivery ZIP.
History supplies a calmer, backward-looking counterweight to the resale jump. The Zillow series has 137 monthly observations with 100% stated coverage. Exact same-month annualized changes were 2.75% over one year, 1.98% over three years, and 3.11% over five years. Thus, the recent increase confirms the positive longer path, although it is slower than the five-year pace and does not establish a forecast. The annualized monthly-return variability is 2.07%, which gives a reader somewhat more confidence in one current ZORI snapshot than a highly variable series would, but it cannot remove uncertainty. Separately, a 5.21% historical maximum drawdown shows that past index declines did occur. Among history-eligible ZIPs, transparent national discovery ranks were 1,285 for momentum, 175 for stability, and 449 for the balanced measure; lower ranks are higher. These observations and ranks describe the past only.
The ACS 2024 five-year matched ZCTA puts a different evidence universe alongside the asking index: median gross rent was $1,867, with a $49 margin of error. This survey covers occupied renter homes and includes selected utilities, so it should not be substituted for Zillow’s asking-rent index. The current asking index is 4.23% above that survey median. ACS also reports median household income of $112,037. A 30% required-income screen applied to current ZORI calculates to $77,840 annually; this is arithmetic, not advice and not an applicant qualification rule. Within the renter survey universe, 3,344 of 10,372 renter households, or 32.24%, reported spending at least that share of income on rent. Burden is aggregate, not proof about a particular unit or resident.
Housing composition and vacancy are also ACS ZCTA evidence, rather than a list of rentable units. Of 18,055 housing units, 1,455 were vacant, an 8.06% vacancy rate; 62.48% of occupied units were renter occupied. The stock includes single-family units and large multifamily structures, a mix consistent with treating the Zillow figure as blended across types. The ACS vacant-for-rent category does not establish live availability at a specific building or predict lease-up. It also cannot determine condition, asking price, concessions, bedroom count, or occupancy for an individual property. Neither vacancy nor aggregate burden demonstrates anything conclusive about a specific unit.
For wider rent context, Philadelphia city context and Philadelphia County context each register about $1,814, while the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro context registers $1,928. Each is a broader named scope rather than a replacement for the ZIP observation. In particular, city and county values are context for their respective jurisdictions, and the metro figure is context for the multistate metro. These comparisons cannot convert ACS gross rent, HUD standards, or wider-context values into ZIP asking-rent comps. The limited gap supports the central tension: the local asking-rent path appears steady, whereas the direct ZIP resale price change has been much stronger.
Bedroom figures require a different translation. The studio, one-, two-, three-, and four-bedroom values of $1,504, $1,636, $1,946, $2,334, and $2,605 are modelled monthly ZIP estimates, not measured bedroom rents. They scale the all-types ZIP ZORI by the local HUD ladder. HUD FMR/SAFMR is an administrative bedroom-specific standard, not asking rent, and its FY2026 local two-bedroom standard is $2,510. The modelled two-bedroom figure therefore sits below that administrative benchmark, but neither number says what a particular advertised unit should rent for. Relevant comparison fields include actual bedroom count, utilities, lease term, furnishings, concessions, and date-specific asking terms.
The decision tension is not a prediction: ZIP asking rent has risen gradually with relatively restrained historical variation, while the direct resale median has risen much faster in the latest comparison. The area-median income is above the arithmetic screen, yet the renter-burden result still records aggregate pressure; neither survey result tests a household’s circumstances. Relevant property-level checks include the advertised rent and bedroom layout, live competing listings, utilities included, concessions, occupancy status, condition, lease length, and the relevant sale record. Also material is whether the property’s geography is actually represented by this Zillow ZIP identifier and matched ZCTA. Keeping resale, asking-rent, survey, and HUD evidence in their separate roles prevents a ratio or benchmark from becoming a unit conclusion. What unit facts would change the cross-source comparison?
","findings":[{"body":"Redfin’s direct rolling-three-month ZIP resale data show a $507,385 median sold price, up 10.9% annually, with 3.2 months of supply and a 98.3% average sale-to-list ratio. Zillow’s current asking-rent index advanced 2.75%. The contrast is a cross-universe tension: sales pricing has moved faster than the rent index, but resale observations do not measure rents or property economics.","title":"Resale heat exceeds rent momentum"},{"body":"Zillow history is complete across 137 observations and records positive exact same-month annualized change over the one-, three-, and five-year windows. Its 2.07% annualized variability supports more confidence in the stability of an index snapshot than a highly variable series would. The 5.21% maximum drawdown still makes clear that this is backward-looking history, not a prediction.","title":"History supports a steadier index reading"},{"body":"ACS 2024 five-year median gross rent is $1,867 and includes selected utilities for occupied renter homes, unlike ZORI’s asking-rent scope. Median household income exceeds the arithmetic income level associated with the 30% screen, while 32.24% of surveyed renter households were burdened at or above that threshold. Neither aggregate result can establish affordability or burden for a specific applicant or unit.","title":"Affordability measures use separate evidence"},{"body":"The bedroom figures are modelled estimates created by scaling the blended ZIP ZORI with the local HUD ladder. They are not measured rents for studio through four-bedroom leases. HUD FMR/SAFMR is a bedroom-specific administrative standard, not asking rent. Property comparison requires actual layout, lease terms, utilities, concessions, condition, occupancy status, and date-specific listing evidence.","title":"Bedroom ladder remains a model"}],"risks":["Annualizing ZORI and dividing it by the Redfin median sold price combines an asking-rent index with a rolling resale median. It excludes property-specific costs, financing, taxes, condition, and matching, so it cannot characterize transaction economics.","A matched Census ZCTA is a statistical area rather than the same thing as a USPS delivery ZIP. ACS is a five-year survey with margins of error and occupied-household scope, so it cannot be used as a live rent roll or a current lease comp.","ACS vacancy, vacant-for-rent, and rent-burden measures are aggregates. They do not prove availability, condition, concession levels, tenant payment burden, or leasing prospects for any particular address or unit.","Complete Zillow history and relatively low variation improve context for the index, but the past maximum drawdown and difference between one-, three-, and five-year changes demonstrate that a current reading is not a forecast."],"qa":[{"a":"In June 2026, Zillow ZORI for 19130 is $1,946 per month. It is a typical observed asking-rent index blended across rental types, not an ACS gross-rent statistic or an observed rent for a particular bedroom count. It tracks asking-rent conditions within Zillow’s ZIP market definition.","q":"What does the current Zillow rent figure measure?"},{"a":"The ACS 2024 five-year matched ZCTA measure is median gross rent among occupied renter homes and includes selected utilities. ZORI is an asking-rent index. The ZCTA is statistical and matches the label, but it is not identical to a USPS delivery ZIP. Therefore, a difference from the index is not contradictory.","q":"Why can ACS gross rent differ from Zillow ZORI?"},{"a":"The $1,504 through $2,605 bedroom figures are modelled ZIP estimates produced by scaling the all-types ZORI with a local HUD ladder. They are not measured bedroom rents. HUD’s $2,510 two-bedroom FMR is an administrative standard instead of an advertised rent; neither substitutes for a current unit listing.","q":"Are the bedroom estimates actual observed rents?"},{"a":"Redfin provides a direct rolling-three-month ZIP resale record, reporting sold homes rather than rents. Its median sale price, days on market, supply, sale-to-list ratio, and above-list share describe for-sale liquidity and pricing. The screening calculation merely divides annualized ZORI by the resale median; it cannot establish property economics or future outcomes.","q":"How should the resale figures be interpreted with the rent data?"}],"sources":[{"key":"apartment_list_time_on_market","name":"Apartment List Time on Market — listing liquidity","release":"Apartment List 2026-07","pulledAt":"2026-08-08","url":"https://www.apartmentlist.com/research/category/data-rent-estimates"},{"key":"apartment_list_vacancy","name":"Apartment List Vacancy Index — rental vacancy","release":"Apartment List 2026-07","pulledAt":"2026-08-08","url":"https://www.apartmentlist.com/research/apartment-list-vacancy-index-methodology"},{"key":"census_zcta_facts","name":"Census ACS five-year — ZCTA housing and income","release":"ACS 2024 5-year ZCTA","pulledAt":"2026-08-08","url":"https://api.census.gov/data/2024/acs/acs5.html"},{"key":"hud_zip","name":"HUD USPS crosswalk and Small Area FMRs — ZIP rent fallback","release":"ZIP-CBSA 2025Q4 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