Real Estate Investing in Northern Cambria, Pennsylvania (15714)

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

Cambria County • Population: 5,215 • Data updated: September 2026

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Should you buy in 15714 (Northern Cambria, 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
STRONG
4.0 / 5 (86/100)

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
3 flags
  • Declining values: -11.1% 5-year CAGR — values have moved lower.
  • Elevated vacancy: 10.8% vacancy may signal weakening demand.
  • 1-year downturn: Values declined 17.1% in the last year.

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

What’s happening in Northern Cambria, PA (15714)?

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4.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

5.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $72,488
Avg Monthly Rent $873
1% Rule ✓ Meets
Median Income $46,911
% Renters 24.4%

Market Analysis: 15714 Northern Cambria

Within Cambria County, the 15714 ZIP reflects a lower entry point around $72K. Put differently, operators who can improve stock here typically see outsized uplift.

Flippers and value-add operators have treated 15714 as a working ZIP for a reason. Entry prices around $72K and a deep rental base of 24% renters underpin the exit strategy on both the sale and rent sides.

Relative to PA, 15714 reads as a working-capital ZIP — prices below average, renter share elevated at 24%, and room for operator-led upside.

A renter-heavy, wage-earner demographic anchors 15714. Value-add players rely on that mix — the 24% share is both the tenant source and the buyer pool for future owner-occupied exits.

BRRRR is the most natural fit. Buy under $72K, rehab, refinance, and the capital recycles in a way turnkey markets cannot replicate.

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 Northern Cambria:

C Below Average
Buy Confidence Score: 55/100
Affordability
25/25
Appreciation
0/25
Stability
9/20
Timing
6/15
Rental backup
15/15
Affordability
Affordable
Homes cost 1.5× the median income
Value Trend
Declining (-17.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $873/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
☀️
WARM MARKET
Johnstown, PA Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
7.8%
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 Johnstown, PA metro data

Market Trends

Home Value History (with trend line)

$146K$130K$115K$99K$83K$67KFeb 2016May 2021Jul 2026

📊 How Does 15714 Compare?

Metric 15714 Northern Cambria Johnstown, PA Pennsylvania
Home Value $72,488 $72,488 N/A $278,018
5-Year CAGR N/A N/A N/A 6.3%
Avg Rent $873 $873 N/A -
Cap Rate 9.4% 9.4% - -
💡 Why Invest in 15714? Click to expand

This ZIP code meets the 1% rule with rent at $873/mo on homes averaging $72,488 — a strong indicator of cash flow potential.

Our analysis gives this area a 4/5 investability rating, placing it in the top tier for rental property potential.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 15714 (Northern Cambria, PA). Anonymous, moderated, never written by AI.

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Investability
Excellent
Cap Rate
9.4%
Excellent
5yr Growth
-11.1%
Declining

📉 Market Crash Risk Index

Based on Johnstown, PA metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
46%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $72,488
Monthly Rent $873
Price-to-Rent 6.9:1
1% Rule ✓ Passes

💰 Return Metrics

Gross Yield 14.5%
Cap Rate 9.4%
5-Year IRR N/A

📈 Home Appreciation

1-Year -17.1% ▼
3-Year CAGR -15.2% ▼
5-Year CAGR -11.1% ▼
10-Year CAGR -3.5% ▼

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Positive Leverage Market Cap Rate: 9.4%  |  30yr Rate: 6.8%
Leverage may enhance returns here.

The estimated cap rate (9.4%) exceeds the current 30-yr mortgage rate (6.8%). When borrowing costs less than a property yields, leverage can increase your cash-on-cash return above the cap rate.

⚠️ Risk Signals

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

Vacancy
10.8%
Moderate risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
-11.1%
Declining
Eviction process: Moderate Rent control: Favorable

Demographics in 15714

Population: 5,215

💰 Median Household Income
$46,911
This area
$46,911
State
$73,647
USA
$74,580
🏠 Renter Occupied
24.4%
This area
24.4%
State
23.0%
USA
34.0%
💼 Unemployment Rate
3.2%
This area
3.2%
State
-7.4%
USA
3.7%
🎓 College Educated
17.2%
This area
17.2%
State
12.3%
USA
33.7%
👤 Median Age
42.1 years
This area
42.1 years
State
25.7 years
USA
38.9 years
🏚️ Vacancy Rate
10.8%
This area
10.8%
State
14.6%
USA
10.5%
👥 Population by Ethnicity
White 97.7%
Asian 1.6%
Other/Mixed 0.7%
Hispanic/Latino 0.2%
👶 Under 18
26.5%
This area
26.5%
USA
22.0%
👴 65 and Over
18.9%
This area
18.9%
USA
17.3%
📊 Poverty Rate
15.7%
This area
15.7%
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 15714

A+ Avg School Grade
3 Schools
10.1:1 Avg Class Size
$24,121 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Northern Cambria El Sch

📚 Pre-K – 04 Elementary
👥
260 Students
👨‍🏫
9.5:1 Class Size
💰
$24,121 Per Student
A+ Excellent

Northern Cambria HS

📚 09 – 12 High School
👥
276 Students
👨‍🏫
10.8:1 Class Size
💰
$24,121 Per Student
A+ Excellent

Northern Cambria MS

📚 05 – 08 School
👥
243 Students
👨‍🏫
10.0:1 Class Size
💰
$24,121 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

1 Nearby
C+
Saint Francis University
2,835 students · 13.6 mi

Frequently Asked Questions

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

The median home value in Northern Cambria, PA is roughly $72K. That puts it reasonable relative to the PA statewide average.

Is house hacking profitable in Northern Cambria, PA?

The house hack math an attractive in Northern Cambria, PA. Owner-occupant buyers benefit from the $873/mo rents and $72K home values.

Can BRRRR investors find deals in Northern Cambria, PA?

Northern Cambria, PA BRRRR deals are a strong. With proper buy-side discipline, operators can recycle most of their capital post-refinance.

What strategy should investors use in Northern Cambria, PA?

For Northern Cambria, PA, value-add and BRRRR deals is the standard investor playbook. The market structure makes it a reasonable default approach.

Is Northern Cambria in PA worth investing in?

The 4.0/5 investability rating in Northern Cambria, PA reflects its $72K prices and $873/mo rents. Investors generally consider it a solid option within PA.

You know 15714 now. You don’t know where it ranks.

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How 15714 ranks in Johnstown, PA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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