Real Estate Investing in Fombell, Pennsylvania (16123)

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

Beaver County • Population: 2,601 • Data updated: September 2026

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Should you buy in 16123 (Fombell, PA)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (84/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 For Investors
MIXED
3.0 / 5 (47/100)

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.

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

What’s happening in Fombell, PA (16123)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $283,550
Avg Monthly Rent $1,053
1% Rule ✗ Does Not Meet
Median Income $100,508
% Renters 9.7%

Market Analysis: 16123 Fombell

ZIP 16123 in Fombell, PA carries a durable set of headwinds. Home values near $284K and rents of $1,053/mo sit inside a market where underwriting has to be tight.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 16123 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

ZIP 16123's metrics run below Beaver County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

A durable renter share of 10% in 16123 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

Strategically, 16123 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 Fombell:

B Good
Buy Confidence Score: 74/100
Affordability
20/25
Appreciation
22/25
Stability
7/20
Timing
10/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.8× the median income
Value Trend
Rising (+12.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,053/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
❄️
COOL MARKET
Pittsburgh, PA Metro Area
More inventory, negotiating room for buyers
42 days
Average time to sell
Average
10.7%
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 Pittsburgh, PA metro data
🏠

Property Strategy for 16123

Which property type performs best in this market?

Best for Cash Flow
2BR
5.1% cap rate
Best for Appreciation
4BR
+8.5% 5yr CAGR
Best Overall Value
2BR
$82,971/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $165,942 $1,170 5.1% +7.9% $82,971
3BR $256,075 $1,510 4.2% +7.2% $85,358
4BR $413,598 $1,630 2.8% +8.5% $103,399

Market Trends

Home Value History (with trend line)

$296K$260K$224K$189K$153K$117KJul 2006Jul 2016Jul 2026

📊 How Does 16123 Compare?

Metric 16123 Fombell Pittsburgh, PA Pennsylvania
Home Value $283,550 $283,550 N/A $278,018
5-Year CAGR 6.2% 6.2% N/A 6.3%
Avg Rent $1,053 $1,053 N/A -
Cap Rate 2.9% 2.9% - -
💡 Why Invest in 16123? 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 16123 (Fombell, PA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.9%
Low
5yr Growth
+6.2%
Strong

📉 Market Crash Risk Index

Based on Pittsburgh, PA metro

1/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
48%
Days Pending
1/2
42 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $283,550
Monthly Rent $1,053
Price-to-Rent 22.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.5%
Cap Rate 2.9%
5-Year IRR 9.1%

📈 Home Appreciation

1-Year +12.7% ▲
3-Year CAGR +9.9% ▲
5-Year CAGR +6.2% ▲
10-Year CAGR +5.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.9%). 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
4.2%
Low risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+6.2%
Growing
Eviction process: Moderate Rent control: Favorable

Demographics in 16123

Population: 2,601

💰 Median Household Income
$100,508
This area
$100,508
State
$73,647
USA
$74,580
🏠 Renter Occupied
9.7%
This area
9.7%
State
23.0%
USA
34.0%
💼 Unemployment Rate
5.8%
This area
5.8%
State
-7.4%
USA
3.7%
🎓 College Educated
27.2%
This area
27.2%
State
12.3%
USA
33.7%
👤 Median Age
48.8 years
This area
48.8 years
State
25.7 years
USA
38.9 years
🏚️ Vacancy Rate
4.2%
This area
4.2%
State
14.6%
USA
10.5%
👥 Population by Ethnicity
White 98.5%
Other/Mixed 1.3%
Hispanic/Latino 1.0%
Asian 0.1%
👶 Under 18
17.4%
This area
17.4%
USA
22.0%
👴 65 and Over
13.8%
This area
13.8%
USA
17.3%
📊 Poverty Rate
2.4%
This area
2.4%
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

5 Nearby 506 Off-Campus Students
C+
Geneva College
1,258 students · 7.4 mi
C
Beaver Falls Beauty Academy
45 students · 8.0 mi
C
Pennsylvania State University-Penn State Beaver
504 students · 11.3 mi
D
Community College of Beaver County
1,673 students · 12.9 mi
C
Butler Beauty Academy-New Castle Beauty Academy
30 students · 14.2 mi

Investor Insight: With 506 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What is the smart move for investors in Fombell, PA?

In Fombell, PA the substantial play is typically careful cash-flow rentals with hands-on management. The combination of $284K prices and $1,053/mo rents suits that approach.

How deep is the rental pool in Fombell, PA?

The tenant pool in Fombell, PA is solid, supported by local employment and population fundamentals. Rents of $1,053/mo are well-absorbed by the market.

Is Fombell, PA good for landlords?

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

Is Fombell, PA a good market for FHA house hackers?

Fombell, PA is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $284K price point reasonable to enter.

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

Occupancy in Fombell, PA runs consistent with elevated vacancy. Well-priced units at $1,053/mo lease on reasonable timelines.

You know 16123 now. You don’t know where it ranks.

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How 16123 ranks in Pittsburgh, PA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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