Real Estate Investing in Madison, Pennsylvania (15663)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Westmoreland County • Population: 413 • Data updated: September 2026

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Should you buy in 15663 (Madison, PA)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (67/100)

Mixed — values have been flat. OK for long-horizon buyers, less attractive if you may need to sell soon.

📈 For Investors
WEAK
2.0 / 5 (38/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
1 flag
  • 1-year downturn: Values declined 5.0% in the last year.

• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Madison, PA (15663)?

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2.0/ 5

Investability

Overall investment appeal

0.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $165,789
Avg Monthly Rent $873
1% Rule ✗ Does Not Meet
Median Income $69,750
% Renters 10.4%

Market Analysis: 15663 Madison

The 15663 ZIP in Madison, PA is a local-operator market. Outside capital chasing a $166K entry has to pair deep knowledge with the discount.

The 15663 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

In the broader PA picture, 15663 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

On balance, 413 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.

The 15663 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Madison:

C Below Average
Buy Confidence Score: 57/100
Affordability
25/25
Appreciation
0/25
Stability
7/20
Timing
10/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.4× the median income
Value Trend
Declining (-5.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $873/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
❄️
COOL MARKET
Pittsburgh, PA Metro Area
More inventory, negotiating room for buyers
42 days
Average time to sell
Average
10.7%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Pittsburgh, PA metro data

Market Trends

Home Value History (with trend line)

$187K$183K$178K$173K$169K$164KNov 2023Mar 2025Jul 2026

📊 How Does 15663 Compare?

Metric 15663 Madison Pittsburgh, PA Pennsylvania
Home Value $165,789 $165,789 N/A $278,018
5-Year CAGR N/A N/A N/A 6.3%
Avg Rent $873 $873 N/A -
Cap Rate 4.1% 4.1% - -
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 15663 (Madison, PA). Anonymous, moderated, never written by AI.

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Investability
Fair
Cap Rate
4.1%
Fair

📉 Market Crash Risk Index

Based on Pittsburgh, PA metro

1/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
48%
Days Pending
1/2
42 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $165,789
Monthly Rent $873
Price-to-Rent 15.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.3%
Cap Rate 4.1%
5-Year IRR N/A

📈 Home Appreciation

1-Year -5.0% ▼
3-Year CAGR N/A
5-Year CAGR N/A
10-Year CAGR N/A

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.1%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
4.9%
Low risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
N/A
Stable
Eviction process: Moderate Rent control: Favorable

Demographics in 15663

Population: 413

💰 Median Household Income
$69,750
This area
$69,750
State
$73,647
USA
$74,580
🏠 Renter Occupied
10.4%
This area
10.4%
State
23.0%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-7.4%
USA
3.7%
🎓 College Educated
19.6%
This area
19.6%
State
12.3%
USA
33.7%
👤 Median Age
42.4 years
This area
42.4 years
State
25.7 years
USA
38.9 years
🏚️ Vacancy Rate
4.9%
This area
4.9%
State
14.6%
USA
10.5%
👥 Population by Ethnicity
White 99.6%
Other/Mixed 0.4%
👶 Under 18
23.1%
This area
23.1%
USA
22.0%
👴 65 and Over
24.6%
This area
24.6%
USA
17.3%
📊 Poverty Rate
5.0%
This area
5.0%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 15663

Nearby Schools (4 more)

Schools in adjacent ZIP codes that may serve this area

A+ Excellent

Stanwood El Sch

📚 Pre-K – 05 Elementary
📍 255 Arona Rd, New Stanton
👥
510 Students
👨‍🏫
13.4:1 Class Size
💰
$18,211 Per Student
A Very Good

H W Good El Sch

📚 K – 04 Elementary
📍 1464 Herminie-WN Rd, Herminie
👥
276 Students
👨‍🏫
13.8:1 Class Size
💰
$19,236 Per Student
A Very Good

Yough SHS

📚 09 – 12 High School
📍 919 Lowber Rd, Herminie
👥
571 Students
👨‍🏫
15.3:1 Class Size
💰
$19,236 Per Student
B Good

Central Westmoreland Career and Technology Center

📚 09 – 12 High School
📍 240 Arona Road, New Stanton
👥
5 Students
👨‍🏫
0.1:1 Class Size
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

8 Nearby 860 Off-Campus Students
C
West Virginia Junior College-United Career Institute
57 students · 4.8 mi
C
Westmoreland County Community College
4,275 students · 6.2 mi
C
Seton Hill University
1,984 students · 7.6 mi
C
University of Pittsburgh-Greensburg
1,326 students · 7.9 mi
C
Triangle Tech Inc-Greensburg
100 students · 8.2 mi
C
Pennsylvania State University-Penn State Greater Allegheny
361 students · 10.1 mi
C
Douglas Education Center
200 students · 12.7 mi
C+
Bella Capelli Academy
194 students · 13.6 mi

Investor Insight: With 860 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What do rentals go for in Madison, PA?

Average rent in Madison, PA is approximately $873/mo per month. Against $166K home values that yields a reasonable rent-to-price ratio.

Are there empty rentals in Madison, PA?

Madison, PA sees elevated vacancy, which is reasonable relative to the broader PA rental market.

How strong is Madison, PA for real estate investors?

Madison, PA scores 2.0/5 for investability. Home values sit at $166K and rents near $873/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.

What investment strategy works best in Madison, PA?

Most investors in Madison, PA run a careful cash-flow rentals with hands-on management strategy. It aligns with the 2.0/5 investability profile and the market fundamentals.

How much should I expect to pay for a home in Madison, PA?

Typical homes in Madison, PA go for around $166K. The 5-year CAGR of 0.0% predictable price movement.

You know 15663 now. You don’t know where it ranks.

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How 15663 ranks in Pittsburgh, PA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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