Real Estate Investing in Hadley, Pennsylvania (16130)

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

Mercer County • Population: 1,876 • Data updated: September 2026

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Should you buy in 16130 (Hadley, PA)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (39/100)

Multiple negative signals. Better options likely exist nearby.

📈 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
2 flags
  • High vacancy: 17.1% of homes vacant — above national norms.
  • 1-year downturn: Values declined 3.4% in the last year.

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

What’s happening in Hadley, PA (16130)?

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2.0/ 5

Investability

Overall investment appeal

0.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $176,422
Avg Monthly Rent $873
1% Rule ✗ Does Not Meet
Median Income $54,737
% Renters 17.6%

Market Analysis: 16130 Hadley

Investors eyeing 16130 need to respect the fundamentals at play. Home values of $176K come alongside slower price movement and elevated management overhead.

The 16130 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

ZIP 16130's metrics run below Mercer County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

On balance, 1,876 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.

New investors are better served looking at Hadley's stable or hybrid ZIPs before stepping into 16130. 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 Hadley:

C Below Average
Buy Confidence Score: 50/100
Affordability
20/25
Appreciation
0/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.2× the median income
Value Trend
Declining (-3.4%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $873/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.

Market Trends

Home Value History (with trend line)

$210K$203K$196K$188K$181K$174KJan 2024May 2025Jul 2026

📊 How Does 16130 Compare?

Metric 16130 Hadley Pennsylvania
Home Value $176,422 $176,422 $278,018
5-Year CAGR N/A N/A 6.3%
Avg Rent $873 $873 -
Cap Rate 3.9% 3.9% -
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 16130 (Hadley, PA). Anonymous, moderated, never written by AI.

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Investability
Fair
Cap Rate
3.9%
Low

📊 Market Snapshot

Home Value $176,422
Monthly Rent $873
Price-to-Rent 16.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.9%
Cap Rate 3.9%
5-Year IRR 0.4%

📈 Home Appreciation

1-Year -3.4% ▼
3-Year CAGR N/A
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: 3.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.9%). 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.

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⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
17.1%
Elevated risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
N/A
Stable
Eviction process: Moderate Rent control: Favorable

Demographics in 16130

Population: 1,876

💰 Median Household Income
$54,737
This area
$54,737
State
$73,647
USA
$74,580
🏠 Renter Occupied
17.6%
This area
17.6%
State
23.0%
USA
34.0%
💼 Unemployment Rate
2.0%
This area
2.0%
State
-7.4%
USA
3.7%
🎓 College Educated
15.0%
This area
15.0%
State
12.3%
USA
33.7%
👤 Median Age
44.2 years
This area
44.2 years
State
25.7 years
USA
38.9 years
🏚️ Vacancy Rate
17.1%
This area
17.1%
State
14.6%
USA
10.5%
👥 Population by Ethnicity
White 97.2%
Other/Mixed 2.6%
Hispanic/Latino 1.3%
Asian 0.2%
👶 Under 18
21.3%
This area
21.3%
USA
22.0%
👴 65 and Over
24.6%
This area
24.6%
USA
17.3%
📊 Poverty Rate
10.4%
This area
10.4%
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

🎓 Schools in 16130

A+ Avg School Grade
2 Schools
10.5:1 Avg Class Size
$36,455 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Commodore Perry JSHS

📚 07 – 12 High School
👥
202 Students
👨‍🏫
11.0:1 Class Size
💰
$36,455 Per Student
A+ Excellent

Commodore Perry Sch

📚 K – 06 School
👥
217 Students
👨‍🏫
10.0:1 Class Size
💰
$36,455 Per Student
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

4 Nearby 8 Off-Campus Students
C
Thiel College
920 students · 8.9 mi
D
Mercer County Career Center
0 students · 13.4 mi
C+
Crawford County Career and Technical Center Practical Nursing Program
25 students · 14.0 mi
C+
Allegheny College
1,231 students · 14.7 mi

Frequently Asked Questions

What approach is best for Hadley, PA real estate?

Investors who focus on careful cash-flow rentals with hands-on management typically do well in Hadley, PA. The numbers - $176K homes against $873/mo rents - support that play.

How tight is the rental market in Hadley, PA?

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

How much do tenants pay in Hadley, PA?

Expect rents around $873/mo per month in Hadley, PA. With home values at $176K, the yield math works out to reasonable levels for rental investors.

Are eviction rules reasonable in Hadley, PA?

Hadley, PA falls under PA landlord-tenant law, which is landlord-friendly. That backdrop makes day-to-day property management reasonable.

What are home prices like in Hadley, PA?

Median home price in Hadley, PA is near $176K, with a 5-year CAGR of 0.0%. Prices have been measured and supportive of buy-and-hold strategies.

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How 16130 ranks in Youngstown-Warren-Boardman, OH-PA

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