Real Estate Investing in Ebensburg, Pennsylvania (15931)

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

Cambria County • Population: 8,852 • Data updated: September 2026

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Should you buy in 15931 (Ebensburg, PA)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (50/100)

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

📈 For Investors
WEAK
2.0 / 5 (33/100)

Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.

⚠️ Risks to Know
1 flag
  • Declining values: -0.2% 5-year CAGR — values have moved lower.

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

What’s happening in Ebensburg, PA (15931)?

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2.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $199,890
Avg Monthly Rent $972
1% Rule ✗ Does Not Meet
Median Income $62,492
% Renters 19.3%

Market Analysis: 15931 Ebensburg

ZIP 15931 in Ebensburg, PA carries a significant set of headwinds. Home values near $200K and rents of $972/mo sit inside a market where underwriting has to be tight.

The 15931 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

Nearby ZIPs in Ebensburg have seen price recovery that 15931 has not matched. Cambria County data supports the view that the spread is structural rather than temporary.

The 15931 ZIP's population of 8,852 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that clocks in at the need for careful underwriting.

Strategically, 15931 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.

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 Ebensburg:

C Below Average
Buy Confidence Score: 55/100
Affordability
20/25
Appreciation
5/25
Stability
9/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.2× the median income
Value Trend
Declining (-0.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $972/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)

$224K$210K$197K$184K$170K$157KFeb 2016May 2021Jul 2026

📊 How Does 15931 Compare?

Metric 15931 Ebensburg Johnstown, PA Pennsylvania
Home Value $199,890 $199,890 N/A $278,018
5-Year CAGR N/A N/A N/A 6.3%
Avg Rent $972 $972 N/A -
Cap Rate 3.8% 3.8% - -
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 15931 (Ebensburg, PA). Anonymous, moderated, never written by AI.

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Investability
Fair
Cap Rate
3.8%
Low
5yr Growth
-0.2%
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 $199,890
Monthly Rent $972
Price-to-Rent 17.1:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.8%
Cap Rate 3.8%
5-Year IRR 3.6%

📈 Home Appreciation

1-Year -0.9% ▼
3-Year CAGR -2.2% ▼
5-Year CAGR -0.2% ▼
10-Year CAGR +1.9% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.8%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.8%). 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
7.2%
Low risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
-0.2%
Flat
Eviction process: Moderate Rent control: Favorable

Demographics in 15931

Population: 8,852

💰 Median Household Income
$62,492
This area
$62,492
State
$73,647
USA
$74,580
🏠 Renter Occupied
19.3%
This area
19.3%
State
23.0%
USA
34.0%
💼 Unemployment Rate
1.8%
This area
1.8%
State
-7.4%
USA
3.7%
🎓 College Educated
30.4%
This area
30.4%
State
12.3%
USA
33.7%
👤 Median Age
47.8 years
This area
47.8 years
State
25.7 years
USA
38.9 years
🏚️ Vacancy Rate
7.2%
This area
7.2%
State
14.6%
USA
10.5%
👥 Population by Ethnicity
White 96.2%
Black/African American 2.1%
Other/Mixed 1.5%
Hispanic/Latino 0.7%
Asian 0.2%
👶 Under 18
16.3%
This area
16.3%
USA
22.0%
👴 65 and Over
29.0%
This area
29.0%
USA
17.3%
📊 Poverty Rate
5.7%
This area
5.7%
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 15931

B Avg School Grade
4 Schools
10.2:1 Avg Class Size

Schools in This ZIP Code

B+ Above Average

Cambria El Sch

📚 K – 05 Elementary
👥
441 Students
👨‍🏫
12.1:1 Class Size
B+ Above Average

Central Cambria HS

📚 09 – 12 High School
👥
509 Students
👨‍🏫
14.9:1 Class Size
B+ Above Average

Central Cambria MS

📚 06 – 08 Middle
👥
366 Students
👨‍🏫
12.8:1 Class Size
B Good
👥
19 Students
👨‍🏫
0.9:1 Class Size
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

2 Nearby
C+
Saint Francis University
2,835 students · 6.5 mi
C
Mount Aloysius College
2,967 students · 9.3 mi

Frequently Asked Questions

How strong is Ebensburg, PA for real estate investors?

Ebensburg, PA rates 2.0/5 for investability. With median values at $200K and rents near $972/mo, the market offers reasonable fundamentals for rental investors.

What is the typical home price in Ebensburg, PA?

Homes in Ebensburg, PA typically sell near $200K. Prices have moved at a 0.0% 5-year CAGR, which consistent long-term demand.

What are rental rates like in Ebensburg, PA?

Rental rates in Ebensburg, PA average $972/mo. Tenant demand and $200K home values make the yield look reasonable by investor standards.

How quickly do rentals get leased in Ebensburg, PA?

Vacancy risk in Ebensburg, PA is elevated. That supports reliable cash flow for typical rental holds.

Is rental property easy to operate in Ebensburg, PA?

Landlord-friendliness in Ebensburg, PA is landlord-friendly. Eviction timelines and lease enforcement are considered reasonable by most property managers.

You know 15931 now. You don’t know where it ranks.

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How 15931 ranks in Johnstown, PA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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