Median Income
$61,591
18% lower than US avg
Home Value
$187,500
33% lower than US avg
Violent Crime
0/100K
100% lower than US avg
Bachelor's+
52.8%
57% higher than US avg
Obesity Rate
31.9%
1% lower than US avg
Unemployment
1.5%
58% lower than US avg
Poverty Rate
10.0%
19% lower than US avg
How Loretto Compares to the U.S. Average (100% = U.S. avg)
People
Population1,370
Median Age20.5 yrs
Density1,457/mi²
Male / Female32% / 69%
Largest GroupWhite 87%
Veterans1.0%
Economy
A
Median Income$61,591
Per Capita$8,910
Unemployment1.5%
Poverty10.0%
County GDP$6,208M
Commute13 min
Housing
A+
Home Value$187,500
RentN/A
Ownership71.2%
Zillow$135,163
Housing Units163
Rent Burden32.5%
Crime
Violent0/100K
Property0/100K
Murder0.0/100K
Assault0/100K
Burglary0/100K
Health
Obesity31.9%
UninsuredN/A
Climate
Avg Temp48°F (9°C)
AQI40 (Good)
Rain40.7 in/yr
Sunny Days275/yr
Elevation1,968 ft (600 m)
Education
A+
Bachelor's+52.8%
High School+100.0%
Graduate+24.4%
School Score5.80
Community
2024 VoteR 69% / D 30%
Commute13 min
Broadband92.0%
EV Stations2
Libraries14
Is Loretto a Good Place to Live?
Based on current data, Loretto receives an overall livability score of 4.7 out of 5.0, earning a grade of A+. Key strengths include low unemployment, low crime rates, a highly educated population, affordable housing. Loretto stands out as an excellent place to live, with strong marks across most quality-of-life indicators.
Economy & Jobs
The median household income in Loretto is $61,591, 18% below the national average of $75,149. The job market is very strong with unemployment at just 1.5%. 10.0% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 13 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Loretto is $187,500, 33% below the national median / offering relatively affordable homeownership. At just 3x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Loretto is a very safe community with a violent crime rate of 0 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 0 per 100,000, 100% below the national average.
Education
Loretto is a highly educated community / 52.8% of adults hold a bachelor's degree or higher, well above the national average of 33.7%. 100.0% have completed high school. Area schools have an average test score of 5.8/10.
Climate & Weather
Loretto experiences four distinct seasons with an average temperature of 48°F. Winters average 25°F in January while summers reach 70°F in July. With 275 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 40.7 inches, including 49.9 inches of snow. Air quality is rated Good with a median AQI of 40.
Loretto has a population of 1,370 with a density of 1,457 people per square mile, spread across 1.0 square miles. The median age is 20.5 years, 47% younger than the national median of 38.9. The gender split is 68.5% female and 31.5% male. The city is predominantly White (86.8%), with 3.4% Hispanic, 5.9% Black. English is the primary language spoken at home by 92.1% of residents, while 7.9% speak Spanish. 1.0% of the population are veterans, below the national rate of 6.0%. 4.6% of residents have a disability (below the 13.0% national average). 99.5% have health insurance coverage.
Population
20.5yrs
Median Age
47% below US avg
Language Spoken at Home
English Only
92.1%
17% above US avg
Spanish
7.9%
41% below US avg
The median household income in Loretto is $61,591, which is 18% below the national average of $75,149. Per capita income is $8,910 (below the $39,052 national figure). The average weekly wage is $958, 33% lower than the U.S. average. The unemployment rate is 1.5% (below the 3.6% US average). 10.0% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 3,304 business establishments, including 299 restaurants. The cost of living index is 97.6, roughly in line with the national average. Workers commute an average of 13 minutes (shorter than the 28-minute US average). 7.5% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $61,591 |
| 18% below US avg |
| Per Capita Income | $8,910 |
| Avg Weekly Wage | $958 |
| IRS Avg AGI | $60,334 |
| Gini Index | 0.451 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.5% |
| 58% below US avg |
| Poverty Rate | 10.0% |
| 19% below US avg |
| Establishments (County) | 3,304 |
| County GDP | $6,208M |
Business (County)
| Restaurants | 299 |
| Healthcare | 471 |
| Retail | 469 |
| Manufacturing | 107 |
Tax & Cost of Living
| Property Tax (IRS) | $4,651 |
| 33% above US avg |
| Cost of Living | 97.60 (100=avg) |
| Effective Tax Rate | 2.48% |
Commute & Transportation
| Commute Time | 13.4 min |
| Drive Alone | 47.6% |
| Public Transit | 0.0% |
| Work from Home | 7.5% |
The median home value in Loretto is $187,500, 33% below the national median of $281,900. Zillow estimates the typical home value at $135,163, lower than the Census estimate. Fair market rent ranges from $996 for a one-bedroom to $1,225 for a two-bedroom apartment. 71.2% of housing units are owner-occupied. There are 163 total housing units in the city. The median year a home was built is 1959. The average annual property tax is $4,651 (higher than the $3,500 national average). 32.5% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3x, well within the affordable range.
Home Values
| Census Median | $187,500 |
| 33% below US avg |
| Zillow ZHVI | $135,163 |
Real Estate Market (Redfin)
Rental Costs
HUD Fair Market Rent
| Studio | $900 |
| 1 Bedroom | $996 |
| 2 Bedrooms | $1,225 |
| 3 Bedrooms | $1,570 |
| 4 Bedrooms | $1,744 |
Ownership & Property
| Homeownership | 71.2% |
| Owner-Occupied | 71.2% |
| Renter-Occupied | 28.8% |
| Housing Units | 163 |
| Median Year Built | 1959 |
Property Tax
| Avg Tax (IRS) | $4,651 |
| 33% above US avg |
| Effective Rate | 2.48% |
In Loretto, 31.9% of adults are obese, below the national rate of 32.1%. The primary care physician ratio is 1:1,437. The dentist ratio is 1:1,685. 85.1% of residents have access to exercise opportunities. The food environment index is 7.7 out of 10.
Health Metrics: Loretto vs U.S. Average (%)
Chronic Conditions
| Obesity | 31.9% |
| 1% below US avg |
Behaviors & Mental Health
Healthcare Access
| Insurance Rate | 99.5% |
| |
| Primary Care | 1:1,437 |
| Dentists | 1:1,685 |
| Mental Health | 1:414 |
| Dental Visits | 63.7% |
| Premature Death | 10,679/100K |
Food & Exercise
| Food Environment | 7.7/10 |
| Exercise Access | 85.1% |
| Healthcare Facilities | 471 |
Loretto has a violent crime rate of 0 per 100,000 residents, 100% below the national average of 380. This breaks down to aggravated assault at 0.0 per 100,000, robbery at 0.0, rape at 0.0. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 0 per 100,000, 100% below the U.S. average. This includes larceny/theft at 0, burglary at 0, vehicle theft at 0 per 100,000 residents. The county recorded 12 fatal traffic crashes.
Crime Rates: Loretto vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 0.0/100K |
| 100% below US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 0.0/100K |
| Robbery | 0.0/100K |
| Assault | 0.0/100K |
Property Crime
| Total Property | 0.0/100K |
| 100% below US avg |
| Burglary | 0.0/100K |
| Theft | 0.0/100K |
| Vehicle Theft | 0.0/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 12 |
| Traffic Accidents | 74 |
| Avg Accident Severity | 2.1 / 4.0 |
Safety Score
Loretto experiences four distinct seasons with an average annual temperature of 48°F (9°C). Winters average 25°F in January while summers reach 70°F in July. The area gets 275 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 40.7 inches. The area receives 49.9 inches of snow annually, making winter weather a significant factor for residents. Air quality is rated Good with a median AQI of 40. The city sits at an elevation of 1,968 feet.
Temperature
25°F Jan (-4°C)
70°F Jul (21°C)
| Annual Average | 48.0°F |
| 11% below US avg |
| January Average | 25°F (-4°C) |
| July Average | 70°F (21°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 1,968 ft (600 m) |
| Area | 1.0 sq mi (2.5 km²) |
| Population Density | 1,457/sq mi |
| Coordinates | 40.5084°N, 78.6351°W |
| Timezone | America/New_York |
| County | Cambria County County |
| Nearest Airport | Arnold Palmer Regional (LBE) 44 miles away |
Precipitation & Snow
Annual Rainfall
40.7"
7% above US avg
Wettest Month (Jul)
4.25"
Air Quality
| AQI Median | 40.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0427 ppm |
| NO₂ (Nitrogen Dioxide) | 9.3 ppb |
| SO₂ (Sulfur Dioxide) | 0.77 ppb |
| CO (Carbon Monoxide) | 0.27 ppm |
| PM2.5 (Fine Particles) | 8.8 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 76.4 / 100 |
| Social Vulnerability | 60.4 / 100 |
| Community Resilience | 96.5 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Relatively Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Moderate |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively High |
| Ice Storm |
Relatively Low |
| Drought |
No Rating |
| Cold Wave |
Relatively Moderate |
| Landslide |
Relatively Low |
| Avalanche |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
5 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.4. Most recent: M3.4 on Jun 13, 2019.
| Jun 13, 2019 |
9 km N of Blain, Pennsylvania |
M3.4 |
96 km |
| Jun 3, 2010 |
4 km ENE of Franklintown, Pennsylvania |
M3.1 |
149 km |
| Jan 17, 2016 |
3 km NE of Ranson, West Virginia |
M3.0 |
149 km |
| Apr 24, 2009 |
1 km S of Franklintown, Pennsylvania |
M2.9 |
145 km |
| Oct 25, 2009 |
4 km ENE of Franklintown, Pennsylvania |
M2.8 |
148 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
189 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 4 fatalities, 256 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jun 2, 1998 |
EF4 |
71 km |
0 |
| May 31, 1985 |
EF4 |
75 km |
0 |
| Jun 3, 1980 |
EF4 |
94 km |
0 |
| May 31, 1998 |
EF3 |
92 km |
1 |
| Jul 11, 1976 |
EF3 |
75 km |
1 |
| Jun 26, 2024 |
EF2 |
88 km |
0 |
| Aug 25, 2023 |
EF2 |
94 km |
0 |
| Mar 31, 2022 |
EF2 |
72 km |
0 |
| Apr 19, 2019 |
EF2 |
86 km |
0 |
| Apr 19, 2019 |
EF2 |
95 km |
0 |
| Oct 2, 2018 |
EF2 |
76 km |
0 |
| Oct 2, 2018 |
EF2 |
84 km |
0 |
| Mar 23, 2011 |
EF2 |
97 km |
0 |
| Apr 28, 2002 |
EF2 |
51 km |
0 |
| Jun 2, 1998 |
EF2 |
89 km |
0 |
| Aug 15, 1997 |
EF2 |
61 km |
0 |
| Jul 19, 1996 |
EF2 |
86 km |
0 |
| Jul 19, 1996 |
EF2 |
54 km |
0 |
| Jul 19, 1996 |
EF2 |
11 km |
0 |
| Sep 26, 1994 |
EF2 |
21 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
3 wildfires (100+ acres) within 100 km.
Largest: BEAR DEN (945 ac, 2014).
| Year |
Name |
Acres |
Distance |
| 2014 |
BEAR DEN |
945 |
74 km |
| 2018 |
FIELDS RUN |
711 |
94 km |
| 2005 |
UNNAMED |
510 |
75 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
25°F (-4°C) |
2.8 in |
Coldest |
| February |
27°F (-3°C) |
2.7 in |
Driest |
| March |
36°F (2°C) |
3.6 in |
|
| April |
46°F (8°C) |
3.5 in |
|
| May |
57°F (14°C) |
4.1 in |
|
| June |
65°F (18°C) |
4.1 in |
|
| July |
70°F (21°C) |
4.3 in |
Warmest, Wettest |
| August |
68°F (20°C) |
3.5 in |
|
| September |
61°F (16°C) |
3.7 in |
|
| October |
50°F (10°C) |
2.8 in |
|
| November |
40°F (4°C) |
3.5 in |
|
| December |
30°F (-1°C) |
3.1 in |
|
Loretto has a seasonal temperature swing of 45°F / from 25°F in January to 70°F in July. Total annual precipitation is 41.8 inches, with July being the wettest month (4.3") and February the driest (2.7").
Average costs for common services in Loretto. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$244 ($146–$390) |
| Specialist Visit |
$342 ($195–$537) |
| Urgent Care Visit |
$195 ($98–$342) |
| Emergency Room Visit |
$2,147 ($781–$4,880) |
| Dental Cleaning |
$127 ($73–$195) |
| Dental Filling |
$244 ($146–$390) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$44 ($24–$73) |
| Oil Change (Synthetic) |
$73 ($49–$117) |
| Brake Pad Replacement |
$293 ($146–$488) |
| Tire Rotation |
$39 ($20–$73) |
| New Tires (Set of 4) |
$586 ($390–$976) |
| Battery Replacement |
$195 ($98–$342) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$98 ($59–$146) |
| Electrician (Per Hour) |
$88 ($49–$137) |
| HVAC Repair |
$390 ($146–$781) |
| HVAC System Install |
$6,832 ($3,904–$11,712) |
| Roof Repair |
$976 ($390–$1,952) |
| Roof Replacement |
$8,784 ($5,368–$14,640) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,464 ($488–$3,416) |
| Divorce (Contested) |
$14,640 ($4,880–$29,280) |
| DUI Defense |
$4,880 ($1,952–$9,760) |
| Bankruptcy (Chapter 7) |
$1,464 ($781–$2,928) |
| Will Preparation |
$488 ($195–$976) |
| Trust Preparation |
$2,440 ($976–$4,880) |
View all 12 services
Personal Care
| Men's Haircut |
$24 ($15–$44) |
| Women's Haircut |
$54 ($29–$98) |
| Hair Coloring (Full) |
$146 ($73–$244) |
| Manicure |
$24 ($15–$44) |
| Pedicure |
$39 ($24–$63) |
| Massage (1 Hour) |
$78 ($49–$127) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.00 ($2.93–$5.37) |
| Dozen Eggs (per dozen) |
$3.42 ($2.44–$4.88) |
| Loaf of Bread |
$3.71 ($2.44–$5.37) |
| Chicken Breast (per lb) |
$4.39 ($2.93–$6.34) |
| Ground Beef (per lb) |
$5.37 ($3.90–$7.32) |
| Rice (per lb) |
$0.98 ($0.59–$1.76) |
View all 20 services
Utilities
| Electricity (Monthly) |
$137 ($78–$244) |
| Natural Gas (Monthly) |
$68 ($29–$146) |
| Water/Sewer (Monthly) |
$68 ($39–$117) |
| Internet (Monthly) |
$68 ($39–$98) |
| Cell Phone Plan (Monthly) |
$63 ($29–$98) |
| Cable TV (Monthly) |
$83 ($49–$146) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$195 ($73–$488) |
| Car Insurance (Annual) |
$1,952 ($1,171–$3,416) |
| Bus Pass (Monthly) |
$68 ($29–$127) |
| Taxi/Uber (5-Mile Ride) |
$15 ($7.81–$24) |
| Car Registration (Annual) |
$98 ($29–$244) |
| Driver's License Renewal |
$29 ($15–$73) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,171 ($586–$2,440) |
| Daycare (Toddler, Monthly) |
$976 ($488–$1,952) |
| After-School Care (Monthly) |
$390 ($195–$683) |
| Tutoring (Per Hour) |
$49 ($24–$98) |
| SAT/ACT Prep Course |
$976 ($390–$2,440) |
| Private School (K-12, Annual) |
$12,200 ($4,880–$29,280) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$59 ($29–$98) |
| Dog Vaccination (Annual) |
$98 ($49–$195) |
| Dog Grooming |
$59 ($29–$98) |
| Pet Boarding (Per Night) |
$39 ($20–$73) |
| Dog Spay/Neuter |
$293 ($146–$488) |
| Cat Spay/Neuter |
$195 ($98–$390) |
View all 9 services
Frequently Asked Questions About Loretto
What is the population of Loretto?
Loretto has a population of 1,370 residents and is located in Pennsylvania. The population density is 1,457 people per square mile, spread across 1.0 square miles. The median age of residents is 20.5 years, which is younger than the national median of 38.9 years. The population is 68.5% female and 31.5% male.
Is Loretto expensive to live in?
Loretto has a cost of living roughly in line with the national average, with an index of 97.6 (baseline: 100). The median household income is $61,591, 18% below the national average of $75,149. The median home value is $187,500 (33% below the U.S. median). The home price-to-income ratio is 3x, indicating housing is reasonably affordable relative to local income levels.
Is Loretto safe?
Loretto is considered a very safe city with a violent crime rate of 0 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 0 per 100,000 (below the national average).
What is the weather like in Loretto?
Loretto has a four-season climate with an average annual temperature of 48°F (9°C). Winter temperatures average 25°F in January, while summers reach an average of 70°F in July. The area receives 275 sunny days per year, well above the national average of 205. Annual rainfall totals 40.7 inches, with 49.9 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 40.
How is the job market in Loretto?
The job market in Loretto is very strong, with unemployment at just 1.5% / well below the national rate of 3.6%. The average weekly wage is $958. There are 3,304 business establishments in the area, including 299 restaurants and food service locations. The average commute time is 13 minutes, and 7.5% of workers work from home.
How much does housing cost in Loretto?
The median home value in Loretto is $187,500. Zillow estimates the typical home value at $135,163. The homeownership rate is 71.2%. The average annual property tax is $4,651.
How are the schools in Loretto?
Schools in Loretto score 5.8 out of 10 on standardized testing, near the national average. 52.8% of adults in Loretto hold a bachelor's degree or higher, above the national average of 33.7%. 100.0% have completed high school. 24.4% hold a graduate or professional degree.
How healthy is Loretto?
The obesity rate in Loretto is 31.9% (below the national rate of 32.1%). 85.1% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,437.
What is transportation like in Loretto?
The average commute in Loretto is 13 minutes, shorter than the national average of 28 minutes. 47.6% of workers drive alone to work, and 7.5% work from home.
What are the demographics of Loretto?
The racial and ethnic makeup of Loretto is 86.8% White, 5.9% Black or African American, 3.4% Hispanic or Latino. 92.1% of residents speak only English at home, while 7.9% speak Spanish. 1.0% of the population are military veterans. 4.6% of residents have a disability. 99.5% have health insurance coverage.