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State markets/Pennsylvania/Centre County/ZIP area 16803

ZIP AREA · ZCTA 16803 · CENSUS 2020

ZIP area 16803

The 13 census tracts that make up ZIP Code Tabulation Area 16803 in Centre County. Each tract opens its own lender ranking and its full HMDA record list.

Census tracts

13

7 counted under this ZIP

Counties

1

wholly inside one county

Population

20,168

of the tracts this ZIP owns

Owner-occupied units

3,788

6,325 1-4 family homes

Census tracts in ZIP area 16803

Every tract this ZIP area touches — sort, filter by population or overlap, export, or open a row for the tract's card. The RECORDS column opens that tract's HMDA records in the loan explorer, which is where a ZIP-scoped question becomes an exact one.

13 OF 13 TRACTSEVERY TRACT THIS ZIP AREA TOUCHES — NO ROWS WITHHELD
RECORDS
Centre County16823This tract overlaps 16803 but sits mostly inside 16823, so it is counted there and not here.11.1%4,572MiddleOPEN →
Centre County16803Most of this tract's land is inside 16803, so its population and housing count toward 16803.100.0%2,451—OPEN →
Centre County16803Most of this tract's land is inside 16803, so its population and housing count toward 16803.100.0%2,085ModerateOPEN →
Centre County16870This tract overlaps 16803 but sits mostly inside 16870, so it is counted there and not here.34.6%4,608MiddleOPEN →
Centre County16803Most of this tract's land is inside 16803, so its population and housing count toward 16803.100.0%4,410MiddleOPEN →
Centre County16870This tract overlaps 16803 but sits mostly inside 16870, so it is counted there and not here.8.7%3,124UpperOPEN →
Centre County16803Most of this tract's land is inside 16803, so its population and housing count toward 16803.100.0%3,325ModerateOPEN →
Centre County16803Most of this tract's land is inside 16803, so its population and housing count toward 16803.62.9%4,480UpperOPEN →
Centre County16801This tract overlaps 16803 but sits mostly inside 16801, so it is counted there and not here.36.1%4,658MiddleOPEN →
Centre County16803Most of this tract's land is inside 16803, so its population and housing count toward 16803.100.0%1,650UpperOPEN →
Centre County16865This tract overlaps 16803 but sits mostly inside 16865, so it is counted there and not here.12.6%3,372MiddleOPEN →
Centre County16802This tract overlaps 16803 but sits mostly inside 16802, so it is counted there and not here.16.0%5,247LowOPEN →
Centre County16803Most of this tract's land is inside 16803, so its population and housing count toward 16803.100.0%1,767UpperOPEN →

What a ZIP area is, and what it is not

A ZCTA — ZIP Code Tabulation Area — is the U.S. Census Bureau's area approximation of a USPS ZIP code, not the ZIP code itself. HMDA reports no postal geography at all, so these rows are census tracts grouped by the Census 2020 tract-to-ZCTA relationship file: each tract is counted once, in the single ZCTA covering the most of its land.

We publish no ZIP-level lending figure on this page, and the omission is deliberate. Summing tract originations into a ZIP would be an approximation dressed as a measurement: the boundary is areal, a tract that straddles two ZIPs has to be given to one of them, and HMDA never said the loan was in a ZIP in the first place. The lending figures live one level down, on each tract’s own page, where they are exactly what the lender reported.

Also checked and not used: FHA endorsement records carry a property ZIP, but they cover one loan programme rather than the market, and matching them to a county by name collides in Virginia, where “Richmond” is both a county and an independent city. We do not publish a figure we cannot attribute with certainty.

Go deeper

Step back up to the Centre County market profile, which lists every ZIP area in the county, or the Pennsylvania state profile.

Sources: U.S. Census Bureau 2020 ZCTA-to-census-tract relationship file (zcta_tract_rel, 168,212 overlaps across 33,791 ZCTAs and 85,143 tracts, loaded 2026-08-02); FFIEC census-tract file; HMDA tract attributes. Housing figures are summed over the tracts this ZIP area is dominant for, so they match the county page’s row for the same ZIP exactly. Figures are as loaded — see data attribution.