Real Estate Investing in Luthersburg, Pennsylvania (15848)

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

Clearfield County • Population: 1,081 • Data updated: September 2026

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Should you buy in 15848 (Luthersburg, 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: 18.4% of homes vacant — above national norms.

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

What’s happening in Luthersburg, PA (15848)?

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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 $151,592
Avg Monthly Rent $1,089
1% Rule ✗ Does Not Meet
Median Income $57,841
% Renters 11.9%

Market Analysis: 15848 Luthersburg

This part of Clearfield County is not an easy win. The 15848 ZIP registers softness in key indicators, and the playbook that works in cleaner markets often stalls here.

Distressed markets are won on execution, not on spreadsheets. ZIP 15848 clocks in at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

The gap between 15848 and stronger Luthersburg ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

A healthy renter share of 12% in 15848 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

New investors are better served looking at Luthersburg's stable or hybrid ZIPs before stepping into 15848. 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 Luthersburg:

C Below Average
Buy Confidence Score: 58/100
Affordability
20/25
Appreciation
10/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.6× the median income
Value Trend
Stable (+0.4%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,089/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
DuBois, PA Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
8.1%
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 DuBois, PA metro data

Market Trends

Home Value History (with trend line)

$173K$167K$162K$156K$150K$144KFeb 2023Nov 2024Jul 2026

📊 How Does 15848 Compare?

Metric 15848 Luthersburg DuBois, PA Pennsylvania
Home Value $151,592 $151,592 N/A $278,018
5-Year CAGR N/A N/A N/A 6.3%
Avg Rent $1,089 $1,089 N/A -
Cap Rate 5.6% 5.6% - -
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 15848 (Luthersburg, PA). Anonymous, moderated, never written by AI.

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Investability
Fair
Cap Rate
5.6%
Fair

📉 Market Crash Risk Index

Based on DuBois, PA metro

1/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
1/3
55%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $151,592
Monthly Rent $1,089
Price-to-Rent 11.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 8.6%
Cap Rate 5.6%
5-Year IRR 2.6%

📈 Home Appreciation

1-Year +0.4% ▲
3-Year CAGR -3.0% ▼
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: 5.6%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.6%). 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
18.4%
Elevated risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
N/A
Stable
Eviction process: Moderate Rent control: Favorable

Demographics in 15848

Population: 1,081

💰 Median Household Income
$57,841
This area
$57,841
State
$73,647
USA
$74,580
🏠 Renter Occupied
11.9%
This area
11.9%
State
23.0%
USA
34.0%
💼 Unemployment Rate
3.7%
This area
3.7%
State
-7.4%
USA
3.7%
🎓 College Educated
18.1%
This area
18.1%
State
12.3%
USA
33.7%
👤 Median Age
43.4 years
This area
43.4 years
State
25.7 years
USA
38.9 years
🏚️ Vacancy Rate
18.4%
This area
18.4%
State
14.6%
USA
10.5%
👥 Population by Ethnicity
White 97.6%
Asian 2.1%
Hispanic/Latino 0.2%
Other/Mixed 0.2%
👶 Under 18
24.2%
This area
24.2%
USA
22.0%
👴 65 and Over
24.7%
This area
24.7%
USA
17.3%
📊 Poverty Rate
3.8%
This area
3.8%
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 232 Off-Campus Students
C
Pennsylvania State University-Penn State DuBois
353 students · 6.8 mi
C
Triangle Tech Inc-Dubois
79 students · 9.0 mi
C
Jefferson County Dubois Area Vocational Technical Practical Nursing Program
25 students · 10.5 mi

Frequently Asked Questions

What investment strategy works best in Luthersburg, PA?

In Luthersburg, PA the durable play is typically careful cash-flow rentals with hands-on management. The combination of $152K prices and $1,089/mo rents suits that approach.

What are rental rates like in Luthersburg, PA?

Average rent in Luthersburg, PA is approximately $1,089/mo per month. Against $152K home values that yields a reasonable rent-to-price ratio.

Are tenants stable in Luthersburg, PA?

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

Is Luthersburg, PA good for landlords?

For rental operators, Luthersburg, PA rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.

What kind of vacancy should I budget for in Luthersburg, PA?

Occupancy in Luthersburg, PA runs consistent with elevated vacancy. Well-priced units at $1,089/mo lease on reasonable timelines.

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How 15848 ranks in DuBois, PA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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