Real Estate Investing in Spring Church, Pennsylvania (15686)

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

Armstrong County • Population: 1,099 • Data updated: September 2026

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Should you buy in 15686 (Spring Church, PA)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (59/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • Elevated vacancy: 11.5% vacancy may signal weakening demand.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Spring Church, PA (15686)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $218,047
Avg Monthly Rent $936
1% Rule ✗ Does Not Meet
Median Income $52,639
% Renters 0.9%

Market Analysis: 15686 Spring Church

ZIP 15686 inside Armstrong County looks affordable on the surface — median value of $218K — but the discount exists for reasons that a careful buyer should understand before committing.

The investment case in 15686 is robust only for operators who understand what they are buying. A $218K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

The gap between 15686 and stronger Spring Church ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Who lives in 15686 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

leans the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.

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 Spring Church:

C+ Average
Buy Confidence Score: 61/100
Affordability
15/25
Appreciation
14/25
Stability
7/20
Timing
10/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.1× the median income
Value Trend
Rising (+5.5%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $936/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
❄️
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)

$224K$206K$189K$171K$153K$135KJan 2015Oct 2020Jul 2026

📊 How Does 15686 Compare?

Metric 15686 Spring Church Pittsburgh, PA Pennsylvania
Home Value $218,047 $184,448 N/A $278,018
5-Year CAGR 2.3% 2.1% N/A 6.3%
Avg Rent $936 $905 N/A -
Cap Rate 3.4% 3.9% - -
💡 Why Invest in 15686? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 15686 (Spring Church, PA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.4%
Low
5yr Growth
+2.3%
Slow

📉 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 $218,047
Monthly Rent $936
Price-to-Rent 19.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.2%
Cap Rate 3.4%
5-Year IRR 5.7%

📈 Home Appreciation

1-Year +5.5% ▲
3-Year CAGR +1.3% ▲
5-Year CAGR +2.3% ▲
10-Year CAGR +4.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.4%). 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
11.5%
Moderate risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+2.3%
Stable
Eviction process: Moderate Rent control: Favorable

Demographics in 15686

Population: 1,099

💰 Median Household Income
$52,639
This area
$52,639
State
$73,647
USA
$74,580
🏠 Renter Occupied
0.9%
This area
0.9%
State
23.0%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-7.4%
USA
3.7%
🎓 College Educated
18.1%
This area
18.1%
State
12.3%
USA
33.7%
👤 Median Age
52.4 years
This area
52.4 years
State
25.7 years
USA
38.9 years
🏚️ Vacancy Rate
11.5%
This area
11.5%
State
14.6%
USA
10.5%
👥 Population by Ethnicity
White 99.4%
Asian 0.6%
👶 Under 18
14.2%
This area
14.2%
USA
22.0%
👴 65 and Over
33.9%
This area
33.9%
USA
17.3%
📊 Poverty Rate
0.3%
This area
0.3%
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 15686

A+ Avg School Grade
3 Schools
10.2:1 Avg Class Size
$23,295 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Apollo-Ridge HS

📚 09 – 12 High School
👥
308 Students
👨‍🏫
7.2:1 Class Size
💰
$23,295 Per Student
A+ Excellent

Apollo-Ridge MS

📚 06 – 08 Middle
👥
262 Students
👨‍🏫
10.9:1 Class Size
💰
$23,295 Per Student
A+ Excellent

Apollo-Ridge El Sch

📚 Pre-K – 05 Elementary
👥
533 Students
👨‍🏫
12.4:1 Class Size
💰
$23,295 Per Student
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

4 Nearby 1,104 Off-Campus Students
C+
Lenape Technical School Practical Nursing Program
71 students · 11.2 mi
C
Butler Beauty Academy-Kittanning Beauty Academy
39 students · 14.2 mi
C
Pennsylvania State University-Penn State New Kensington
456 students · 14.5 mi
C+
Indiana University of Pennsylvania-Main Campus
9,246 students · 14.5 mi

Investor Insight: With 1,104 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What kind of tenants rent in Spring Church, PA?

Spring Church, PA offers a steady renter base at the $936/mo rent level. Tenant turnover is reasonable for well-managed properties.

Is Spring Church, PA suited for a house hack?

For house hackers, Spring Church, PA is a challenging. The $936/mo rent on a unit helps defray the mortgage on a $218K property.

What is the average home sale price in Spring Church, PA?

Typical homes in Spring Church, PA go for around $218K. The 5-year CAGR of 0.0% consistent price movement.

What are rental rates like in Spring Church, PA?

Average rent in Spring Church, PA is approximately $936/mo per month. Against $218K home values that yields a reasonable rent-to-price ratio.

Are landlord laws favorable in Spring Church, PA?

Rental owners in Spring Church, PA deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.

You know 15686 now. You don’t know where it ranks.

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How 15686 ranks in Pittsburgh, PA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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