Medicare in ZIP Code
17745
—
Lock Haven
17722
Population
41.1425
Latitude
-77.4436
Longitude
Key Points
- ZIP 17745 has 17,722 residents with 19.8% age 65+ (3,511 seniors), above the 17% national average.
- Median income is $53,602,. Check if you qualify for Extra Help and Medicare Savings Programs to reduce healthcare costs.
- Home values average $181,800; rent around $810/month. Budget housing and healthcare together when choosing Original Medicare plus Medigap versus Medicare Advantage.
- Open Enrollment runs October 15–December 7 each year. Call Pennsylvania SHIP during this window for free help comparing Original Medicare, Medicare Advantage, and Medigap plans without sales pressure.
- Original Medicare with Medigap gives broad provider access; Medicare Advantage offers $0 premiums with network restrictions. Choose based on your doctor preferences and budget.
Demographic Data
ZIP code 17745 is located in Clinton County, Pennsylvania, centered near Lock Haven, with a total population of 17,722 and a median age of 37.0. This is a suburban community where 19.8% of residents are 65 or older (approximately 3,511 individuals), moderately above the national average. This aging population benefits from robust Medicare plan options and community-based health resources. The racial and ethnic composition includes 92.8% White, 2.6% Black/African American, 2.3% Hispanic/Latino, 1.0% Asian. About 25.5% of adults hold a bachelor's degree or higher.
Economic Metrics
The median household income is $53,602, below the national median. Lower-income Medicare beneficiaries may qualify for Medicare Savings Programs (MSPs) that help pay Part B premiums, or Extra Help (Low-Income Subsidy) to reduce Part D prescription drug costs. With a poverty rate of 16.6%, a significant portion of residents may qualify for dual eligibility (Medicare and Medicaid), which provides additional benefits including dental, vision, and transportation assistance. The unemployment rate is 6.3%. The median home value is $181,800 and median monthly rent is $810. Medicare beneficiaries in Clinton County should explore all available plan options during Open Enrollment (October 15 – December 7) or consult the Pennsylvania SHIP (State Health Insurance Assistance Program) for free, unbiased counseling on choosing the right coverage.
Interactive Tools / Medicare Calculators
Frequently Asked Medicare Questions
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Medicare Advantage Plans
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Key Takeaways
The Lock Haven area has 19.8% of residents age 65 and older. Median household income is $53,602,. Residents should explore whether they qualify for Extra Help and Medicare Savings Programs to reduce healthcare costs. When choosing between Original Medicare with supplemental Medigap and Medicare Advantage, consider both your provider preferences and budget.
Your Medicare coverage selection affects your healthcare access and out-of-pocket expenses throughout the year. With housing costs to manage, choose a plan you can afford long-term. Pennsylvania SHIP provides free, unbiased counseling during Open Enrollment (October 15–December 7) to help you compare plans, understand coverage options, and select the best plan for your health needs and financial situation.