Real Estate Investing in Smethport, Pennsylvania (16749)

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

McKean County • Population: 3,691 • Data updated: September 2026

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Should you buy in 16749 (Smethport, PA)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (68/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (52/100)

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
  • High vacancy: 28.5% of homes vacant — above national norms.

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

What’s happening in Smethport, PA (16749)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $125,730
Avg Monthly Rent $882
1% Rule ✗ Does Not Meet
Median Income $62,917
% Renters 18.2%

Market Analysis: 16749 Smethport

Not every below-median market is a bargain. Smethport's 16749 ZIP shows signals that favor experienced operators who can absorb the risk $126K pricing implies.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $126K asset, 16749 is the wrong submarket. If the plan prices in friction, the yield can still work.

The gap between 16749 and stronger Smethport ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Employment concentration in 16749 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

The 16749 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

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 Smethport:

C+ Average
Buy Confidence Score: 67/100
Affordability
25/25
Appreciation
14/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2× the median income
Value Trend
Rising (+9.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $882/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Bradford, PA Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
8.9%
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 Bradford, PA metro data

Market Trends

Home Value History (with trend line)

$136K$128K$119K$111K$103K$95KFeb 2019Nov 2022Jul 2026

📊 How Does 16749 Compare?

Metric 16749 Smethport Bradford, PA Pennsylvania
Home Value $125,730 $125,730 N/A $278,018
5-Year CAGR 2.4% 2.4% N/A 6.3%
Avg Rent $882 $882 N/A -
Cap Rate 5.5% 5.5% - -
💡 Why Invest in 16749? Click to expand

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

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A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 16749 (Smethport, PA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
5.5%
Fair
5yr Growth
+2.4%
Slow

📉 Market Crash Risk Index

Based on Bradford, PA metro

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

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $125,730
Monthly Rent $882
Price-to-Rent 11.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 8.4%
Cap Rate 5.5%
5-Year IRR 7.9%

📈 Home Appreciation

1-Year +9.9% ▲
3-Year CAGR +3.2% ▲
5-Year CAGR +2.4% ▲
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: 5.5%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.5%). 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.

Vacancy
28.5%
Elevated risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+2.4%
Stable
Eviction process: Moderate Rent control: Favorable

Demographics in 16749

Population: 3,691

💰 Median Household Income
$62,917
This area
$62,917
State
$73,647
USA
$74,580
🏠 Renter Occupied
18.2%
This area
18.2%
State
23.0%
USA
34.0%
💼 Unemployment Rate
2.2%
This area
2.2%
State
-7.4%
USA
3.7%
🎓 College Educated
21.2%
This area
21.2%
State
12.3%
USA
33.7%
👤 Median Age
45.3 years
This area
45.3 years
State
25.7 years
USA
38.9 years
🏚️ Vacancy Rate
28.5%
This area
28.5%
State
14.6%
USA
10.5%
👥 Population by Ethnicity
White 96.7%
Other/Mixed 2.3%
Hispanic/Latino 1.7%
Black/African American 0.9%
Asian 0.1%
👶 Under 18
22.1%
This area
22.1%
USA
22.0%
👴 65 and Over
25.0%
This area
25.0%
USA
17.3%
📊 Poverty Rate
10.2%
This area
10.2%
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 16749

A+ Avg School Grade
2 Schools
8.3:1 Avg Class Size
$23,014 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Smethport Area El Sch

📚 Pre-K – 06 School
👥
367 Students
👨‍🏫
9.0:1 Class Size
💰
$23,014 Per Student
A+ Excellent

Smethport Area JSHS

📚 07 – 12 High School
👥
361 Students
👨‍🏫
7.7:1 Class Size
💰
$23,014 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.

Frequently Asked Questions

What is the average home sale price in Smethport, PA?

Typical homes in Smethport, PA go for around $126K. The 5-year CAGR of 0.0% measured price movement.

Which real estate strategy fits Smethport, PA?

The best-fit strategy in Smethport, PA is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.

How strict are landlord regulations in Smethport, PA?

Rental owners in Smethport, PA deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.

Does a duplex house hack pencil in Smethport, PA?

For house hackers, Smethport, PA is a challenging. The $882/mo rent on a unit helps defray the mortgage on a $126K property.

How strong is tenant demand in Smethport, PA?

Working renters make up the core of the Smethport, PA tenant base. The pool is reasonable for investors targeting long-term holds.

You know 16749 now. You don’t know where it ranks.

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How 16749 ranks in Bradford, PA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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