Real Estate Investing in Martinsburg, Pennsylvania (16695)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 16695 (Martinsburg, PA)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.
No major risk flags on the data we track.
• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Martinsburg, PA (16695)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 16695 Martinsburg
ZIP 16695 in Martinsburg, PA carries a solid set of headwinds. Home values near $227K and rents of $1,017/mo sit inside a market where underwriting has to be tight.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $227K asset, 16695 is the wrong submarket. If the plan prices in friction, the yield can still work.
Regionally, 16695 sits on the difficult end of the PA spectrum. The an appealing option for read — for disciplined operators — is that pricing reflects the difficulty.
Who lives in 16695 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
Strategically, 16695 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.
Here's what matters if you're considering buying a home in Martinsburg:
Market Trends
Home Value History (with trend line)
📊 How Does 16695 Compare?
| Metric | 16695 | Martinsburg | Pennsylvania |
|---|---|---|---|
| Home Value | $226,545 | $242,684 | $278,018 |
| 5-Year CAGR | N/A | 4.7% | 6.3% |
| Avg Rent | $1,017 | $1,013 | - |
| Cap Rate | 3.5% | 3.3% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 16695 (Martinsburg, PA). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $226,545 |
| Monthly Rent | $1,017 |
| Price-to-Rent | 18.6:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.4% |
| Cap Rate | 3.5% |
| 5-Year IRR | 10.1% |
📈 Home Appreciation
| 1-Year | +10.2% ▲ |
| 3-Year CAGR | +6.6% ▲ |
| 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 |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.5%). 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.
Demographics in 16695
Population: 959
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
Frequently Asked Questions
What are vacancy rates like in Martinsburg, PA?
Martinsburg, PA sees elevated vacancy, which is reasonable relative to the broader PA rental market.
Which real estate strategy fits Martinsburg, PA?
The best-fit strategy in Martinsburg, PA is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.
Are renters plentiful in Martinsburg, PA?
Martinsburg, PA draws a stable base of working renters. Demand at the $1,017/mo rent level is reasonable for standard single-family and small multi rentals.
How much does a house cost in Martinsburg, PA?
Homes in Martinsburg, PA typically sell near $227K. Prices have moved at a 0.0% 5-year CAGR, which consistent long-term demand.
Is Martinsburg in PA worth investing in?
Our data puts Martinsburg, PA at 2.0/5 for investability. Home prices of $227K and rents around $1,017/mo create a solid backdrop for investor activity.
You know 16695 now. You don’t know where it ranks.
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