ZIP 19103 vs ZIP 19123

19103 is one of 49 ZIP codes that lie mostly in Philadelphia County, PA.

Shaded by typical home value, it ranks 3 of the 37 nearby ZIPs shown.

4 school locations in 19103: 2 middle, 2 high.

In alphabetical order: Freire CS, Greenfield Albert M Sch, Philadelphia Electrical & Tech CHS, Russell Byers CS. Locations only — no ratings are shown here.

19123 is one of 49 ZIP codes that lie mostly in Philadelphia County, PA.

Shaded by typical home value, it ranks 3 of the 37 nearby ZIPs shown.

7 school locations in 19123: 4 middle, 3 high.

In alphabetical order: Bodine William W HS, Folk Arts-Cultural Treasures CS, Kearny Gen Philip Sch, Math Civics and Sciences CS, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 19103 was worth $186,014.

Values peaked at $551,312 in December 2021. The latest reading is −13.3% from that peak.

As of August 2026: $477,765, +2.7% over twelve months.

Start with the typical home: $477,765. Put 20% down and borrow $382,212 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,646 a month in principal and interest.

The median household here earns $97,940 a year, $8,162 a month. So the payment takes 32.4% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 12.6% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $1,114.

In December 2020, with rates at 2.68%, it was $1,581.

By August 2026, at 6.67%, it was $2,458 — +55% since December 2020, while the home's value moved −2%.

Reported values rose +157% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $367,118. So the real change is +30%, not +157%.

19103: +157% since January 2000.

Philadelphia County: +270% since January 2000.

Pennsylvania: +186% since January 2000 — 19103 ran behind it by 30 points.

Owning the typical home costs about $3,124 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,215 a month.

Price divided by a year's rent: 18.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 19123 was worth $101,845.

Values peaked at $462,456 in March 2026. The latest reading is −0.4% from that peak.

As of August 2026: $460,519, +2.2% over twelve months.

Start with the typical home: $460,519. Put 20% down and borrow $368,415 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,551 a month in principal and interest.

The median household here earns $95,872 a year, $7,989 a month. So the payment takes 31.9% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 7.1% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $610.

In December 2020, with rates at 2.68%, it was $1,386.

By August 2026, at 6.67%, it was $2,369 — +71% since December 2020, while the home's value moved +8%.

Reported values rose +352% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $201,002. So the real change is +129%, not +352%.

19123: +352% since January 2000.

Philadelphia County: +270% since January 2000.

Pennsylvania: +186% since January 2000 — 19123 ran ahead of it by 166 points.

Owning the typical home costs about $3,011 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,140 a month.

Price divided by a year's rent: 17.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 41 a month (Redfin, 3-month rolling data through August 2026). That is 98% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 185. That is 94% of the 2015–2019 level for the same months.

Going out — closed sales: about 44 a month. That is 106% of the 2015–2019 level for the same months. The drain is drawn 2% narrower: the share of homes for sale that sell each month is 98% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.2 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 3 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 44 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 31 — so sales ran at 142% of it, and below it in 9 of the last 24 months.

Across Philadelphia County, builders pulled permits for 3,366 new homes in 2025.

Of those, 19% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 35 a month (Redfin, 3-month rolling data through August 2026). That is 86% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 136.

Going out — closed sales: about 23 a month. That is 71% of the 2015–2019 level for the same months. The drain is drawn 26% narrower: the share of homes for sale that sell each month is 74% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.8 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 12 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 23 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 27 — so sales ran at 85% of it, and below it in 23 of the last 24 months.

Across Philadelphia County, builders pulled permits for 3,366 new homes in 2025.

Of those, 19% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Philadelphia County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 15,458 moved in. Among the ten receiving the most, 21,517 moved out.

Net across those counties: −6,059 households. Beside it, homes for sale in this ZIP: 185 in June 2026.

Most arrivals came from Montgomery, PA (3,939 households); most departures went to Montgomery, PA (5,924).

County assessor records list 6,560 properties with a market value here. Their average assessed market value is $556,200; the typical home value is $477,765.

The assessor average sits +16.4% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

This ZIP sits in Philadelphia County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 15,458 moved in. Among the ten receiving the most, 21,517 moved out.

Net across those counties: −6,059 households. Beside it, homes for sale in this ZIP: 136 in June 2026.

Most arrivals came from Montgomery, PA (3,939 households); most departures went to Montgomery, PA (5,924).

County assessor records list 4,974 properties with a market value here. Their average assessed market value is $427,800; the typical home value is $460,519.

The assessor average sits −7.1% from the market figure — an average against a typical value, so treat it as a check, not a verdict.