Real Estate Investing in Wilcox, Pennsylvania (15870)

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

Elk County • Population: 1,239 • Data updated: September 2026

☆ Watch this market Free account

Should you buy in 15870 (Wilcox, PA)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (72/100)

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

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

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • High vacancy: 46.7% 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 Wilcox, PA (15870)?

Click any question — our AI will research it live from the web and show you sources.

✨ Live AI + Web Search
Want to ask your own questions? Upgrade to Pro for unlimited custom queries.
3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $139,191
Avg Monthly Rent $873
1% Rule ✗ Does Not Meet
Median Income $52,813
% Renters 7.5%

Market Analysis: 15870 Wilcox

ZIP 15870 in Wilcox, PA carries a robust set of headwinds. Home values near $139K and rents of $873/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 $139K asset, 15870 is the wrong submarket. If the plan prices in friction, the yield can still work.

Regionally, 15870 sits on the difficult end of the PA spectrum. The a solid fit for read — for disciplined operators — is that pricing reflects the difficulty.

A robust renter share of 8% in 15870 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

Distressed ZIPs reward experience. resilient returns are possible in 15870, but they flow to investors who already understand how to operate in soft markets.

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 Wilcox:

B Good
Buy Confidence Score: 70/100
Affordability
20/25
Appreciation
22/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.6× the median income
Value Trend
Rising (+26.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $873/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
St. Marys, PA Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
4.5%
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 St. Marys, PA metro data
🏠

Property Strategy for 15870

Which property type performs best in this market?

Best for Cash Flow
3BR
7.4% cap rate
Best for Appreciation
2BR
+5.5% 5yr CAGR
Best Overall Value
3BR
$41,660/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $95,858 $970 7.3% +5.5% $47,929
3BR $124,980 $1,280 7.4% +3.6% $41,660

Market Trends

Home Value History (with trend line)

$149K$133K$116K$100K$84K$67KFeb 2019Nov 2022Jul 2026

📊 How Does 15870 Compare?

Metric 15870 Wilcox St. Marys, PA Pennsylvania
Home Value $139,191 $139,191 N/A $278,018
5-Year CAGR 6.1% 6.1% N/A 6.3%
Avg Rent $873 $873 N/A -
Cap Rate 4.9% 4.9% - -
💡 Why Invest in 15870? 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 →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
Open the Market Finder →
Free to search · investor plans from $19/mo

Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 15870 (Wilcox, PA). Anonymous, moderated, never written by AI.

Do you own or manage rentals in ZIP 15870 (Wilcox, PA)?

~25 seconds · no account needed · your report is anonymous

Investability
Good
Cap Rate
4.9%
Fair
5yr Growth
+6.1%
Strong

📉 Market Crash Risk Index

Based on St. Marys, 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 $139,191
Monthly Rent $873
Price-to-Rent 13.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 7.5%
Cap Rate 4.9%
5-Year IRR 11.0%

📈 Home Appreciation

1-Year +26.1% ▲
3-Year CAGR +9.8% ▲
5-Year CAGR +6.1% ▲
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: 4.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.9%). 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
46.7%
Elevated risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+6.1%
Growing
Eviction process: Moderate Rent control: Favorable

Demographics in 15870

Population: 1,239

💰 Median Household Income
$52,813
This area
$52,813
State
$73,647
USA
$74,580
🏠 Renter Occupied
7.5%
This area
7.5%
State
23.0%
USA
34.0%
💼 Unemployment Rate
2.0%
This area
2.0%
State
-7.4%
USA
3.7%
🎓 College Educated
17.6%
This area
17.6%
State
12.3%
USA
33.7%
👤 Median Age
48.4 years
This area
48.4 years
State
25.7 years
USA
38.9 years
🏚️ Vacancy Rate
46.7%
This area
46.7%
State
14.6%
USA
10.5%
👥 Population by Ethnicity
White 96.2%
Other/Mixed 3.3%
Asian 0.5%
Hispanic/Latino 0.2%
👶 Under 18
16.6%
This area
16.6%
USA
22.0%
👴 65 and Over
25.0%
This area
25.0%
USA
17.3%
📊 Poverty Rate
11.8%
This area
11.8%
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

Frequently Asked Questions

What approach is best for Wilcox, PA real estate?

Most investors in Wilcox, 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.

How tight is the rental market in Wilcox, PA?

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

What is it like being a landlord in Wilcox, PA?

Wilcox, PA operates under PA law, which is landlord-friendly overall for landlords. Expect predictable treatment in typical lease and eviction cases.

Can I live-in-and-rent in Wilcox, PA?

House hacking in Wilcox, PA is reasonable to execute. Prices around $139K and rents of $873/mo solid owner-occupant economics.

How much is rent in Wilcox, PA?

The typical rental in Wilcox, PA commands about $873/mo monthly. That rent profile steady cash flow against the $139K purchase basis.

You know 15870 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 15870 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.

Compare Plans

How 15870 ranks in St. Marys, PA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
🤖

AI Market Advisor

Ask questions about investing in 15870 (Wilcox)

Loading...

Community Ratings

What people who’ve spent time here actually say. Not paid reviews.

Be the first to rate 15870 (Wilcox, PA).

It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.