Real Estate Investing in Munson, Pennsylvania (16860)

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

Clearfield County • Population: 393 • Data updated: September 2026

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Should you buy in 16860 (Munson, PA)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (63/100)

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 (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
2 flags
  • Declining values: -1.3% 5-year CAGR — values have moved lower.
  • Elevated vacancy: 11.8% vacancy may signal weakening demand.

• 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 Munson, PA (16860)?

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3.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $160,918
Avg Monthly Rent $1,161
1% Rule ✗ Does Not Meet
Median Income $70,923
% Renters 0.0%

Market Analysis: 16860 Munson

Investors eyeing 16860 need to respect the fundamentals at play. Home values of $161K come alongside slower price movement and elevated management overhead.

Rent of $1,161/mo on a $161K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 16860 sits below the stated 0.0% once reality is priced in.

Statewide comparisons place 16860 among PA's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

A robust renter share of 0% in 16860 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

The right play in 16860 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

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 Munson:

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 2.3× the median income
Value Trend
Rising (+10.0%)
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)

$178K$161K$144K$128K$111K$94KJan 2016May 2021Jul 2026

📊 How Does 16860 Compare?

Metric 16860 Munson DuBois, PA Pennsylvania
Home Value $160,918 $160,918 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 5.6% 5.6% - -
💡 Why Invest in 16860? 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 16860 (Munson, PA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
5.6%
Fair
5yr Growth
-1.3%
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 $160,918
Monthly Rent $1,161
Price-to-Rent 11.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 8.7%
Cap Rate 5.6%
5-Year IRR 4.4%

📈 Home Appreciation

1-Year +10.0% ▲
3-Year CAGR +0.5% ▲
5-Year CAGR -1.3% ▼
10-Year CAGR +4.4% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 5.6%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.6%). 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
11.8%
Moderate risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
-1.3%
Flat
Eviction process: Moderate Rent control: Favorable

Demographics in 16860

Population: 393

💰 Median Household Income
$70,923
This area
$70,923
State
$73,647
USA
$74,580
🏠 Renter Occupied
0.0%
This area
0.0%
State
23.0%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-7.4%
USA
3.7%
🎓 College Educated
5.9%
This area
5.9%
State
12.3%
USA
33.7%
👤 Median Age
52.7 years
This area
52.7 years
State
25.7 years
USA
38.9 years
🏚️ Vacancy Rate
11.8%
This area
11.8%
State
14.6%
USA
10.5%
👥 Population by Ethnicity
White 82.9%
Hispanic/Latino 17.1%
Other/Mixed 17.1%
👶 Under 18
11.3%
This area
11.3%
USA
22.0%
👴 65 and Over
5.2%
This area
5.2%
USA
17.3%
📊 Poverty Rate
0.0%
This area
0.0%
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

🎓 Nearby Colleges & Universities

1 Nearby 24 Off-Campus Students
C+
Clearfield County Career and Technology Center
37 students · 14.1 mi

Frequently Asked Questions

What is the typical renter like in Munson, PA?

Tenant quality in Munson, PA ranks as solid. Landlords generally report stable occupancy at market rents of $1,161/mo.

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

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

How expensive is real estate in Munson, PA?

The median home value in Munson, PA is roughly $161K. That puts it reasonable relative to the PA statewide average.

Are rents high in Munson, PA?

Munson, PA rentals go for roughly $1,161/mo a month. That puts gross yield in solid territory relative to $161K acquisition costs.

Does Munson, PA favor landlords or tenants?

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

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How 16860 ranks in DuBois, PA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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