Real Estate Investing in Benezette, Pennsylvania (15821)

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

Elk County • Population: 64 • Data updated: September 2026

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Should you buy in 15821 (Benezette, PA)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (54/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 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
  • High vacancy: 86.8% of homes vacant — above national norms.

• 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 Benezette, PA (15821)?

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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 $131,589
Avg Monthly Rent $900
1% Rule ✗ Does Not Meet
Median Income $46,250
% Renters 12.0%

Market Analysis: 15821 Benezette

The 15821 ZIP in Benezette, PA is a local-operator market. Outside capital chasing a $132K entry has to pair deep knowledge with the discount.

Rent of $900/mo on a $132K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 15821 sits below the stated 0.0% once reality is priced in.

In the broader PA picture, 15821 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

The 15821 ZIP's population of 64 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that records the need for careful underwriting.

Strategy in 15821 is an operator game, not a passive one. On the rental side, entry prices of $132K are inviting, the management lift is real and non-optional.

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 Benezette:

B Good
Buy Confidence Score: 73/100
Affordability
20/25
Appreciation
25/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.8× the median income
Value Trend
Rising (+22.9%)
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
St. Marys, PA Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
4.5%
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 St. Marys, PA metro data

Market Trends

Home Value History (with trend line)

$141K$133K$125K$118K$110K$102KFeb 2022May 2024Jul 2026

📊 How Does 15821 Compare?

Metric 15821 Benezette St. Marys, PA Pennsylvania
Home Value $131,589 $131,589 N/A $278,018
5-Year CAGR N/A N/A N/A 6.3%
Avg Rent $900 $900 N/A -
Cap Rate 5.3% 5.3% - -
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 15821 (Benezette, PA). Anonymous, moderated, never written by AI.

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Investability
Fair
Cap Rate
5.3%
Fair

📉 Market Crash Risk Index

Based on St. Marys, PA metro

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

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $131,589
Monthly Rent $900
Price-to-Rent 12.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 8.2%
Cap Rate 5.3%
5-Year IRR 12.6%

📈 Home Appreciation

1-Year +22.9% ▲
3-Year CAGR +7.3% ▲
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: 5.3%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.3%). 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
86.8%
Elevated risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
N/A
Stable
Eviction process: Moderate Rent control: Favorable

Demographics in 15821

Population: 64

💰 Median Household Income
$46,250
This area
$46,250
State
$73,647
USA
$74,580
🏠 Renter Occupied
12.0%
This area
12.0%
State
23.0%
USA
34.0%
💼 Unemployment Rate
5.5%
This area
5.5%
State
-7.4%
USA
3.7%
🎓 College Educated
13.7%
This area
13.7%
State
12.3%
USA
33.7%
👤 Median Age
58.2 years
This area
58.2 years
State
25.7 years
USA
38.9 years
🏚️ Vacancy Rate
86.8%
This area
86.8%
State
14.6%
USA
10.5%
👥 Population by Ethnicity
White 91.8%
Other/Mixed 8.2%
👶 Under 18
0.0%
This area
0.0%
USA
22.0%
👴 65 and Over
30.1%
This area
30.1%
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

Frequently Asked Questions

Are landlord laws favorable in Benezette, PA?

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

What do landlords charge for rent in Benezette, PA?

Rental rates in Benezette, PA average $900/mo. Tenant demand and $132K home values make the yield look reasonable by investor standards.

Is it easy to find good tenants in Benezette, PA?

Working renters make up the core of the Benezette, PA tenant base. The pool is reasonable for investors targeting long-term holds.

Does house hacking make sense in Benezette, PA?

The house hack math a challenging in Benezette, PA. Owner-occupant buyers benefit from the $900/mo rents and $132K home values.

What strategy should investors use in Benezette, PA?

For Benezette, PA, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.

You know 15821 now. You don’t know where it ranks.

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How 15821 ranks in St. Marys, PA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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