Real Estate Investing in Lucernemines, Pennsylvania (15754)

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

Indiana County • Population: 382 • Data updated: September 2026

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Should you buy in 15754 (Lucernemines, PA)? Our answer, based on the numbers below.

🏠 For Homebuyers
GREAT FIT
Grade A (91/100)

Strong fundamentals — affordable, appreciating, and stable. A confident pick for primary residence.

📈 For Investors
MIXED
3.0 / 5 (57/100)

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

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

• 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 Lucernemines, PA (15754)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

5.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $93,000
Avg Monthly Rent $900
1% Rule ✗ Does Not Meet
Median Income $75,781
% Renters 25.1%

Market Analysis: 15754 Lucernemines

Investors eyeing 15754 need to respect the fundamentals at play. Home values of $93K come alongside slower price movement and elevated management overhead.

The 15754 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

ZIP 15754's metrics run below Indiana County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

Resident income in 15754 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

New investors are better served looking at Lucernemines's stable or hybrid ZIPs before stepping into 15754. The learning curve here is expensive when the lesson is wrong.

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 Lucernemines:

B Good
Buy Confidence Score: 75/100
Affordability
25/25
Appreciation
22/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Affordable
Homes cost 1.2× the median income
Value Trend
Rising (+5.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $900/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Indiana, PA Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
6.4%
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 Indiana, PA metro data

Market Trends

Home Value History (with trend line)

$97K$90K$84K$78K$71K$65KFeb 2020May 2023Jul 2026

📊 How Does 15754 Compare?

Metric 15754 Lucernemines Indiana, PA Pennsylvania
Home Value $93,000 $93,000 N/A $278,018
5-Year CAGR 5.3% 5.3% N/A 6.3%
Avg Rent $900 $900 N/A -
Cap Rate 7.6% 7.6% - -
💡 Why Invest in 15754? 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 15754 (Lucernemines, PA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
7.6%
Good
5yr Growth
+5.3%
Moderate

📉 Market Crash Risk Index

Based on Indiana, PA metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
44%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $93,000
Monthly Rent $900
Price-to-Rent 8.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 11.6%
Cap Rate 7.6%
5-Year IRR 12.8%

📈 Home Appreciation

1-Year +5.2% ▲
3-Year CAGR +5.0% ▲
5-Year CAGR +5.3% ▲
10-Year CAGR N/A

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Neutral Leverage Cap Rate: 7.6%  |  30yr Rate: 6.8%
Leverage is roughly neutral here.

The current 30-yr mortgage rate (6.8%) is close to the estimated cap rate (7.6%). Financing this market at current rates produces a cash-on-cash return near the cap rate. Appreciation and tax benefits may still support the investment.

⚠️ Risk Signals

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

Vacancy
0.0%
Low risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+5.3%
Stable
Eviction process: Moderate Rent control: Favorable

Demographics in 15754

Population: 382

💰 Median Household Income
$75,781
This area
$75,781
State
$73,647
USA
$74,580
🏠 Renter Occupied
25.1%
This area
25.1%
State
23.0%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-7.4%
USA
3.7%
🎓 College Educated
16.3%
This area
16.3%
State
12.3%
USA
33.7%
👤 Median Age
31.5 years
This area
31.5 years
State
25.7 years
USA
38.9 years
🏚️ Vacancy Rate
0.0%
This area
0.0%
State
14.6%
USA
10.5%
👥 Population by Ethnicity
White 100.0%
👶 Under 18
35.5%
This area
35.5%
USA
22.0%
👴 65 and Over
10.5%
This area
10.5%
USA
17.3%
📊 Poverty Rate
0.0%
This area
0.0%
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

🎓 Nearby Colleges & Universities

3 Nearby 932 Off-Campus Students
C+
Indiana University of Pennsylvania-Main Campus
9,246 students · 4.2 mi
C+
Indiana County Technology Center
90 students · 6.4 mi
C+
The Rapha School
51 students · 13.2 mi

Investor Insight: With 932 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What is the typical home price in Lucernemines, PA?

Homes in Lucernemines, PA typically sell near $93K. Prices have moved at a 0.0% 5-year CAGR, which predictable long-term demand.

Which investment style suits Lucernemines, PA?

A careful cash-flow rentals with hands-on management strategy Lucernemines, PA best. The market produces even-keeled results for that approach at the $93K price point.

Is Lucernemines in PA worth investing in?

Our data puts Lucernemines, PA at 3.0/5 for investability. Home prices of $93K and rents around $900/mo create a solid backdrop for investor activity.

Can I live-in-and-rent in Lucernemines, PA?

The house hack math a challenging in Lucernemines, PA. Owner-occupant buyers benefit from the $900/mo rents and $93K home values.

How do landlord-tenant laws work in Lucernemines, PA?

PA ranks as a landlord-friendly state for landlord-tenant law. Lucernemines generally follows the statewide framework, so landlords face reasonable operating rules.

You know 15754 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 15754 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 15754 ranks in Indiana, PA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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