Real Estate Investing in Cairnbrook, Pennsylvania (15926)

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

Somerset County • Population: 2,474 • Data updated: September 2026

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Should you buy in 15926 (Cairnbrook, PA)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (72/100)

Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.

📈 For Investors
MIXED
3.0 / 5 (52/100)

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: 34.4% 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 Cairnbrook, PA (15926)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $167,933
Avg Monthly Rent $981
1% Rule ✗ Does Not Meet
Median Income $63,259
% Renters 12.5%

Market Analysis: 15926 Cairnbrook

The 15926 ZIP covers a section of Cairnbrook that demands careful diligence. Prices near $168K look accessible, but the work to make a deal cash flow is real.

The investment case in 15926 is significant only for operators who understand what they are buying. A $168K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

ZIP 15926's metrics run below Somerset 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 15926 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

Distressed ZIPs reward experience. robust returns are possible in 15926, but they flow to investors who already understand how to operate in soft markets.

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 Cairnbrook:

C+ Average
Buy Confidence Score: 66/100
Affordability
20/25
Appreciation
18/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.7× the median income
Value Trend
Rising (+12.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $981/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
Somerset, PA Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
9.4%
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 Somerset, PA metro data
🏠

Property Strategy for 15926

Which property type performs best in this market?

Best for Cash Flow
2BR
7.0% cap rate
Best for Appreciation
4BR
+8.9% 5yr CAGR
Best Overall Value
2BR
$55,822/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $111,643 $1,090 7.0% +6.4% $55,822
3BR $177,205 $1,460 5.9% +6.3% $59,068
4BR $263,502 $1,650 4.5% +8.9% $65,876

Market Trends

Home Value History (with trend line)

$176K$158K$140K$122K$104K$86KJan 2009Oct 2017Jul 2026

📊 How Does 15926 Compare?

Metric 15926 Cairnbrook Somerset, PA Pennsylvania
Home Value $167,933 $124,691 N/A $278,018
5-Year CAGR 4.9% 5.5% N/A 6.3%
Avg Rent $981 $959 N/A -
Cap Rate 4.6% 6.8% - -
💡 Why Invest in 15926? Click to expand

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

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 15926 (Cairnbrook, PA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.6%
Fair
5yr Growth
+4.9%
Moderate

📉 Market Crash Risk Index

Based on Somerset, PA metro

1/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
1/3
56%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $167,933
Monthly Rent $981
Price-to-Rent 14.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 7.0%
Cap Rate 4.6%
5-Year IRR 9.5%

📈 Home Appreciation

1-Year +12.7% ▲
3-Year CAGR +4.3% ▲
5-Year CAGR +4.9% ▲
10-Year CAGR +5.8% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.6%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.6%). 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
34.4%
Elevated risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+4.9%
Stable
Eviction process: Moderate Rent control: Favorable

Demographics in 15926

Population: 2,474

💰 Median Household Income
$63,259
This area
$63,259
State
$73,647
USA
$74,580
🏠 Renter Occupied
12.5%
This area
12.5%
State
23.0%
USA
34.0%
💼 Unemployment Rate
2.3%
This area
2.3%
State
-7.4%
USA
3.7%
🎓 College Educated
15.3%
This area
15.3%
State
12.3%
USA
33.7%
👤 Median Age
46.5 years
This area
46.5 years
State
25.7 years
USA
38.9 years
🏚️ Vacancy Rate
34.4%
This area
34.4%
State
14.6%
USA
10.5%
👥 Population by Ethnicity
White 98.2%
Other/Mixed 1.3%
Hispanic/Latino 0.4%
Asian 0.4%
👶 Under 18
19.8%
This area
19.8%
USA
22.0%
👴 65 and Over
23.3%
This area
23.3%
USA
17.3%
📊 Poverty Rate
5.0%
This area
5.0%
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

2 Nearby 484 Off-Campus Students
C+
Somerset County Technology Center
50 students · 11.5 mi
C
Pennsylvania Highlands Community College
2,286 students · 15.0 mi

Frequently Asked Questions

What price range are homes in Cairnbrook, PA?

Median home price in Cairnbrook, PA is near $168K, with a 5-year CAGR of 0.0%. Prices have been even-keeled and supportive of buy-and-hold strategies.

What is the investability score for Cairnbrook, PA?

Cairnbrook, PA reflects an investability rating of 3.0/5, with median home values near $168K and average rents around $981/mo. That combination puts it in the notable tier for investor interest.

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

Tenant demand in Cairnbrook, PA is solid. The local workforce $981/mo rents across most rental classes.

What real estate strategy is ideal for Cairnbrook, PA?

Cairnbrook, PA investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($168K prices, $981/mo rents) make it a reasonable choice.

Is PA a landlord-friendly state?

The landlord environment in Cairnbrook, PA is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.

You know 15926 now. You don’t know where it ranks.

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How 15926 ranks in Somerset, PA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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