Real Estate Investing in Osceola Mills, Pennsylvania (16666)

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

Clearfield County • Population: 2,774 • Data updated: September 2026

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Should you buy in 16666 (Osceola Mills, PA)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (68/100)

Mixed — values have been flat. OK for long-horizon buyers, less attractive if you may need to sell soon.

📈 For Investors
MIXED
3.0 / 5 (57/100)

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
  • Declining values: -1.7% 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 Osceola Mills, PA (16666)?

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3.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

5.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $117,884
Avg Monthly Rent $1,161
1% Rule ✗ Does Not Meet
Median Income $48,158
% Renters 5.3%

Market Analysis: 16666 Osceola Mills

The 16666 ZIP in Osceola Mills, PA is a local-operator market. Outside capital chasing a $118K entry has to pair deep knowledge with the discount.

The 16666 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 16666's metrics run below Clearfield County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

On the rental side, 2,774 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.

Strategy in 16666 is an operator game, not a passive one. In practical terms, entry prices of $118K are inviting, the management lift is real and non-optional.

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 Osceola Mills:

C Below Average
Buy Confidence Score: 58/100
Affordability
25/25
Appreciation
5/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.4× the median income
Value Trend
Rising (+10.8%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,161/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)

$140K$125K$111K$96K$82K$67KJul 2006Jul 2016Jul 2026

📊 How Does 16666 Compare?

Metric 16666 Osceola Mills DuBois, PA Pennsylvania
Home Value $117,884 $117,884 N/A $278,018
5-Year CAGR N/A N/A N/A 6.3%
Avg Rent $1,161 $1,161 N/A -
Cap Rate 7.7% 7.7% - -
💡 Why Invest in 16666? Click to expand

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

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 16666 (Osceola Mills, PA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
7.7%
Good
5yr Growth
-1.7%
Declining

📉 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 $117,884
Monthly Rent $1,161
Price-to-Rent 8.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 11.8%
Cap Rate 7.7%
5-Year IRR 5.9%

📈 Home Appreciation

1-Year +10.8% ▲
3-Year CAGR -3.0% ▼
5-Year CAGR -1.7% ▼
10-Year CAGR +3.9% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Neutral Leverage Cap Rate: 7.7%  |  30yr Rate: 6.8%
Leverage is roughly neutral here.

The current 30-yr mortgage rate (6.8%) is close to the estimated cap rate (7.7%). Financing this market at current rates produces a cash-on-cash return near the cap rate. Appreciation and tax benefits may still support the investment.

⚠️ Risk Signals

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

Vacancy
7.3%
Low risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
-1.7%
Flat
Eviction process: Moderate Rent control: Favorable

Demographics in 16666

Population: 2,774

💰 Median Household Income
$48,158
This area
$48,158
State
$73,647
USA
$74,580
🏠 Renter Occupied
5.3%
This area
5.3%
State
23.0%
USA
34.0%
💼 Unemployment Rate
3.9%
This area
3.9%
State
-7.4%
USA
3.7%
🎓 College Educated
14.7%
This area
14.7%
State
12.3%
USA
33.7%
👤 Median Age
52.0 years
This area
52.0 years
State
25.7 years
USA
38.9 years
🏚️ Vacancy Rate
7.3%
This area
7.3%
State
14.6%
USA
10.5%
👥 Population by Ethnicity
White 97.6%
Other/Mixed 2.3%
Hispanic/Latino 1.7%
Black/African American 0.1%
👶 Under 18
15.3%
This area
15.3%
USA
22.0%
👴 65 and Over
26.0%
This area
26.0%
USA
17.3%
📊 Poverty Rate
17.2%
This area
17.2%
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 16666

A+ Avg School Grade
1 Schools
11.1:1 Avg Class Size
$21,683 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Osceola Mills El Sch

📚 K – 05 Elementary
👥
274 Students
👨‍🏫
11.1:1 Class Size
💰
$21,683 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

1 Nearby 24 Off-Campus Students
C+
Clearfield County Career and Technology Center
37 students · 12.4 mi

Frequently Asked Questions

Should investors consider Osceola Mills, PA?

Our data puts Osceola Mills, PA at 3.0/5 for investability. Home prices of $118K and rents around $1,161/mo create a solid backdrop for investor activity.

What are rental rates like in Osceola Mills, PA?

Expect rents around $1,161/mo per month in Osceola Mills, PA. With home values at $118K, the yield math works out to reasonable levels for rental investors.

How high is vacancy risk in Osceola Mills, PA?

Osceola Mills, PA vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.

Does house hacking make sense in Osceola Mills, PA?

The house hack math a challenging in Osceola Mills, PA. Owner-occupant buyers benefit from the $1,161/mo rents and $118K home values.

Which real estate strategy fits Osceola Mills, PA?

Most investors in Osceola Mills, PA run a careful cash-flow rentals with hands-on management strategy. It aligns with the 3.0/5 investability profile and the market fundamentals.

You know 16666 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 16666 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 16666 ranks in DuBois, PA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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