Real Estate Investing in Beech Creek, Pennsylvania (16822)

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

Clinton County • Population: 1,898 • Data updated: September 2026

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Should you buy in 16822 (Beech Creek, PA)? Our answer, based on the numbers below.

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

Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.

📈 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: 25.0% 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 Beech Creek, PA (16822)?

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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 $201,124
Avg Monthly Rent $1,161
1% Rule ✗ Does Not Meet
Median Income $71,205
% Renters 14.0%

Market Analysis: 16822 Beech Creek

ZIP 16822 in Beech Creek, PA carries a robust set of headwinds. Home values near $201K and rents of $1,161/mo sit inside a market where underwriting has to be tight.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 16822 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

In the broader PA picture, 16822 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

The demographic picture in 16822 includes headwinds that any investor should price in. Income distribution skews lower than Beech Creek averages, and tenant stability requires active management.

Strategically, 16822 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.

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 Beech Creek:

C+ Average
Buy Confidence Score: 66/100
Affordability
20/25
Appreciation
18/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.8× the median income
Value Trend
Rising (+7.6%)
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: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Lock Haven, PA Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
7.5%
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 Lock Haven, PA metro data
🏠

Property Strategy for 16822

Which property type performs best in this market?

Best for Cash Flow
4BR
5.6% cap rate
Best for Appreciation
3BR
+6.4% 5yr CAGR
Best Overall Value
4BR
$54,922/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $180,332 $1,290 5.2% +5.7% $90,166
3BR $207,999 $1,570 5.4% +6.4% $69,333
4BR $219,689 $1,710 5.6% +3.9% $54,922

Market Trends

Home Value History (with trend line)

$210K$186K$162K$138K$114K$90KFeb 2009Nov 2017Jul 2026

📊 How Does 16822 Compare?

Metric 16822 Beech Creek Lock Haven, PA Pennsylvania
Home Value $201,124 $201,124 N/A $278,018
5-Year CAGR 4.8% 4.8% N/A 6.3%
Avg Rent $1,161 $1,161 N/A -
Cap Rate 4.5% 4.5% - -
💡 Why Invest in 16822? 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 →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 16822 (Beech Creek, PA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.5%
Fair
5yr Growth
+4.8%
Moderate

📉 Market Crash Risk Index

Based on Lock Haven, 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 $201,124
Monthly Rent $1,161
Price-to-Rent 14.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.9%
Cap Rate 4.5%
5-Year IRR 9.3%

📈 Home Appreciation

1-Year +7.6% ▲
3-Year CAGR +4.9% ▲
5-Year CAGR +4.8% ▲
10-Year CAGR +5.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.5%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.5%). 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
25.0%
Elevated risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+4.8%
Stable
Eviction process: Moderate Rent control: Favorable

Demographics in 16822

Population: 1,898

💰 Median Household Income
$71,205
This area
$71,205
State
$73,647
USA
$74,580
🏠 Renter Occupied
14.0%
This area
14.0%
State
23.0%
USA
34.0%
💼 Unemployment Rate
2.7%
This area
2.7%
State
-7.4%
USA
3.7%
🎓 College Educated
15.5%
This area
15.5%
State
12.3%
USA
33.7%
👤 Median Age
47.0 years
This area
47.0 years
State
25.7 years
USA
38.9 years
🏚️ Vacancy Rate
25.0%
This area
25.0%
State
14.6%
USA
10.5%
👥 Population by Ethnicity
White 97.6%
Other/Mixed 2.3%
Hispanic/Latino 1.0%
👶 Under 18
17.0%
This area
17.0%
USA
22.0%
👴 65 and Over
19.8%
This area
19.8%
USA
17.3%
📊 Poverty Rate
4.7%
This area
4.7%
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

How do home values compare in Beech Creek, PA?

Homes in Beech Creek, PA typically sell near $201K. Prices have moved at a 0.0% 5-year CAGR, which stable long-term demand.

How landlord-friendly is Beech Creek, PA?

The landlord environment in Beech Creek, PA is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.

What are rental rates like in Beech Creek, PA?

Average rent in Beech Creek, PA is approximately $1,161/mo per month. Against $201K home values that yields a reasonable rent-to-price ratio.

What kind of market is Beech Creek, PA for investors?

Investors tracking Beech Creek, PA will find a 3.0/5 rating supported by $201K median home values and $1,161/mo rents. That profile suits long-term holders targeting even-keeled returns.

Is the tenant base reliable in Beech Creek, PA?

Tenant demand in Beech Creek, PA is solid. The local workforce $1,161/mo rents across most rental classes.

You know 16822 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 16822 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 16822 ranks in Lock Haven, PA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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