15940 ZIP Code — Loretto, PA

Cambria County, Pennsylvania

ZIP code 15940 is located in Loretto, Pennsylvania, within Cambria County. It covers approximately 24.44 square miles and serves a population of 3,831 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 814.

About ZIP code 15940

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $215,800. Owner-occupancy is high at 91%, well above the national average.

Median household income is $86,250. 35% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 22 minutes is near the national average.

College attainment at 19% is below the national average, consistent with a trades and production-oriented local economy.

Overall, ZIP code 15940 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

3,831

population

24.44

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

15940 ZIP code map

Cities in ZIP code 15940

Below are the cities the US Postal Service accepts for ZIP code 15940. Using any city not on this list may result in mail delivery delays.

City	Status
Loretto	Preferred

Nearby ZIP codes

16641 Gallitzin (2.7 mi) 16699 Cresson (4.5 mi) 16630 Cresson (4.6 mi) 16613 Ashville (4.8 mi) 15938 Lilly (6.7 mi) 15722 Carrolltown (6.9 mi) 15931 Ebensburg (7.7 mi) 16668 Patton (8.1 mi) 16636 Dysart (8.1 mi) 15927 Colver (8.3 mi) 15773 Saint Benedict (9 mi) 15946 Portage (9.1 mi)

Demographics updated 05/2026

Population
Total population	3,831
Population density	157 / sq mi
State FIPS	42
County FIPS	021

Geography
Land area	24.44 sq mi
Water area	0.06 sq mi
Latitude	40.5179
Longitude	-78.6285
Timezone	Eastern (ET)
Area code	814

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	31.8%	51.9%	39.8%
$50k – $100k	38.0%	30.7%	30.8%
$100k – $200k	25.3%	15.4%	22.4%
Over $200k	4.8%	2.0%	7.1%

Demographics & statistics

3,831

Population

157

People per sq mi

31.6

Median age

$86,250

Median household income

$19,012

Per capita income

$215,800

Median home value

$855

Median monthly rent

90.8%

Home ownership

9.4%

Poverty rate

3.1%

Unemployment

707

Housing units

18.7%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

381

15–19

277

433

20–24

314

201

25–34

146

283

35–44

206

289

45–54

209

127

55–59

120

60–64

143

65–74

103

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	348	9.1%
18 and over	3,483	90.9%
65 and over	369	9.6%
Median age	31.6 years

Race & ethnicity

White 80.6%

Black or African American 12.4%

Two or more races 4%

Hispanic or Latino 1.6%

Asian 0.5%

Native Hawaiian / Pacific Islander 0.4%

American Indian / Alaska Native 0.3%

Other race 0.3%

Group	Count	%
White	3,138	80.6%
Black or African American	482	12.4%
Two or more races	156	4%
Hispanic or Latino	61	1.6%
Asian	18	0.5%
Native Hawaiian / Pacific Islander	17	0.4%
American Indian / Alaska Native	10	0.3%
Other race	10	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	31.8%	51.9%	39.8%
$50k – $100k	38.0%	30.7%	30.8%
$100k – $200k	25.3%	15.4%	22.4%
Over $200k	4.8%	2.0%	7.1%

Under $10k 3.0%

$10k–$15k 3.3%

$15k–$25k 3.9%

$25k–$35k 7.4%

$35k–$50k 6.8%

$50k–$75k 15.0%

$75k–$100k 23.8%

$100k–$150k 22.4%

$150k–$200k 9.5%

$200k+ 4.8%

Range	% of households
Under $10k	3.0%
$10k–$15k	3.3%
$15k–$25k	3.9%
$25k–$35k	7.4%
$35k–$50k	6.8%
$50k–$75k	15.0%
$75k–$100k	23.8%
$100k–$150k	22.4%
$150k–$200k	9.5%
$200k+	4.8%
Median income	$86,250

Housing

Home values

Under $50k 4.8%

$50k–$100k 11.0%

$100k–$150k 10.0%

$150k–$200k 19.0%

$200k–$300k 31.2%

$300k–$500k 20.7%

$500k–$1M 2.3%

$1M+ 1.0%

Housing overview

Metric	Value
Median home value	$215,800
Median rent / month	$855
Owner occupied	90.8%
Renter occupied	9.2%
Vacant	13.9%
Single-family detached	82.2%
Large apartment buildings	0.1%
Mobile homes	3.6%
Median rooms	6.6
Avg household size (owned)	2.54

Year built

Era	%
2020 or later	0.0%
2010–2019	5.1%
2000–2009	16.1%
1990–1999	8.3%
1980–1989	16.0%
1970–1979	15.4%
1960–1969	8.7%
1950–1959	9.0%
1940–1949	3.8%
1939 or earlier	17.6%

Bedrooms

Size	% of units
No bedroom (studio)	0.7%
1 bedroom	4.0%
2 bedrooms	16.4%
3 bedrooms	55.1%
4 bedrooms	21.4%
5+ bedrooms	2.5%

Vehicles per household

Vehicles	% of households
No vehicle	3.2%
1 vehicle	23.8%
2 vehicles	36.9%
3 or more	36.2%

Heating fuel

Fuel type	%
Utility gas	17.7%
Electricity	13.6%
Propane / LP gas	2.7%
Fuel oil	44.9%
Wood	9.7%
Solar	0.6%

Households & families

Household type	Count	%
Married-couple family	418	63.2%
Cohabiting couple	9	1.4%
Male householder, no spouse	122	18.5%
Female householder, no spouse	112	16.9%
Households with children under 18	163	24.7%
Households with seniors (65+)	209	31.6%
Average household size	2.49

Marital status

Status	Male	Female
Never married	52.1%	64.7%
Married	28.4%	28.8%
Separated	2.3%	0.8%
Widowed	1.4%	3.8%
Divorced	15.8%	1.9%

Education

Less than 9th grade 2.9%

Some HS, no diploma 5.0%

HS graduate 42.8%

Some college, no degree 19.2%

Associate's degree 11.5%

Bachelor's degree 11.0%

Graduate / professional 7.7%

Metric	%
HS diploma or higher	92.2%
Bachelor's or higher	18.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	16	1.0%
Kindergarten	14	0.9%
Elementary school	174	10.9%
High school	78	4.9%
College / grad school	1,314	82.3%

Employment

Industry of employment

Education & healthcare 35.2%

Manufacturing 9.7%

Retail trade 9.4%

Arts, food & hospitality 7.3%

Transportation & utilities 7.1%

Professional & management 6.7%

Public administration 5.6%

Construction 4.9%

Finance & real estate 4.2%

Other services 3.8%

Agriculture & mining 2.4%

Wholesale trade 2.1%

Information 1.7%

Occupation

Category	%
Management, business & arts	38.8%
Service	18.5%
Sales & office	18.6%
Natural resources & construction	12.6%
Production & transportation	11.4%

Employment type

Type	%
Private sector	81.5%
Government	13.9%
Self-employed	4.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	76.9%
Carpool	6.8%
Public transit	0.0%
Walk	11.4%
Work from home	3.2%
Other means	1.8%
Avg commute (minutes)	22.1

Poverty

All people 9.4%

Under 18 years 0.6%

18 and over 11.5%

Married-couple families 1.4%

Female-led households 0.0%

Income support

Source	% of households
Social Security	35.1%
Retirement income	28.0%
Supplemental Security	3.2%
Cash public assistance	0.8%
Food stamps / SNAP	3.9%

Health indicators

Condition	%
Obesity	29.5%
High blood pressure	23.1%
High cholesterol	23.2%
Diabetes	6.7%
Heart disease	4.0%
Stroke	1.8%
Asthma	9.8%
Arthritis	16.7%
Kidney disease	1.8%
Pulmonary disease	4.4%
Cancer	3.8%

Behavior / access	%
Smoking	16.4%
Binge drinking	23.4%
No physical activity	19.5%
Less than 7 hrs sleep	37.6%
Depression	22.0%
Fair or poor health	10.8%
Poor mental health	17.2%
Poor physical health	7.8%
No health insurance	11.6%
Visited doctor (checkup)	72.0%
Visited dentist	65.1%
Cholesterol screening	83.5%
Teeth loss	13.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	172	4.9%

Disability	%
Any disability	6.8%
Under 18	4.9%
18–64 years	5.2%
65 and over	20.6%

Health insurance coverage

Type	%
Private insurance	91.7%
Public insurance	16.6%
No insurance	1.0%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,744	97.7%
Spanish	93	2.5%
Other Indo-European	49	1.3%
Asian & Pacific Islander	44	1.2%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,713	96.9%
Born in same state	3,645	95.1%
Born in different state	2,753	71.9%
Foreign born	68	1.8%
Naturalized citizen	118	3.1%
Not a US citizen	52	44.1%

Ancestry

Ancestry	Count	%
Italian	689	18%
French	141	3.7%
Arab	96	2.5%

Ancestry	Count	%
Irish	35	0.9%
English	35	0.9%

Technology access

Metric	% of households
Computer access	17.3%
Internet access	92.1%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 15940

What city is ZIP code 15940 in?

ZIP code 15940 is primarily assigned to Loretto, Pennsylvania.

What county is ZIP code 15940 in?

ZIP code 15940 falls within Cambria County, Pennsylvania.

Is ZIP code 15940 mostly owner-occupied?

91% of occupied units in ZIP code 15940 are owner-occupied, well above the national average.

Does ZIP code 15940 have a large retiree population?

35% of households in ZIP code 15940 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 15940?

ZIP code 15940 has an estimated population of 3,831 residents, with a density of 157 people per square mile.

What is the typical home value in ZIP code 15940?

The median home value in ZIP code 15940 is $215,800.

What timezone is ZIP code 15940 in?

ZIP code 15940 observes the EST timezone.