Real Estate Investing in West Decatur, Pennsylvania (16878)

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

Clearfield County • Population: 1,784 • Data updated: September 2026

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Should you buy in 16878 (West Decatur, PA)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (65/100)

Mixed — values have been flat. OK for long-horizon buyers, less attractive if you may need to sell soon.

📈 For Investors
WEAK
2.0 / 5 (38/100)

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
  • Elevated vacancy: 8.0% vacancy may signal weakening demand.

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

What’s happening in West Decatur, PA (16878)?

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2.0/ 5

Investability

Overall investment appeal

0.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $151,703
Avg Monthly Rent $1,116
1% Rule ✗ Does Not Meet
Median Income $66,136
% Renters 11.6%

Market Analysis: 16878 West Decatur

ZIP 16878 in West Decatur, PA carries a robust set of headwinds. Home values near $152K and rents of $1,116/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 16878 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

The gap between 16878 and stronger West Decatur ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

The demographic picture in 16878 includes headwinds that any investor should price in. Income distribution skews lower than West Decatur averages, and tenant stability requires active management.

Strategically, 16878 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 West Decatur:

B+ Great
Buy Confidence Score: 78/100
Affordability
25/25
Appreciation
25/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.3× the median income
Value Trend
Rising (+16.3%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,116/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: This area shows favorable conditions for homebuyers. Solid fundamentals with reasonable affordability.
☀️
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)

$155K$148K$140K$132K$124K$116KFeb 2023Nov 2024Jul 2026

📊 How Does 16878 Compare?

Metric 16878 West Decatur DuBois, PA Pennsylvania
Home Value $151,703 $151,703 N/A $278,018
5-Year CAGR N/A N/A N/A 6.3%
Avg Rent $1,116 $1,116 N/A -
Cap Rate 5.7% 5.7% - -
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 16878 (West Decatur, PA). Anonymous, moderated, never written by AI.

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Investability
Fair
Cap Rate
5.7%
Fair

📉 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 $151,703
Monthly Rent $1,116
Price-to-Rent 11.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 8.8%
Cap Rate 5.7%
5-Year IRR 10.8%

📈 Home Appreciation

1-Year +16.3% ▲
3-Year CAGR +5.1% ▲
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
Negative Leverage — IRR / Tax Play Cap Rate: 5.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.7%). 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.

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⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
8.0%
Moderate risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
N/A
Stable
Eviction process: Moderate Rent control: Favorable

Demographics in 16878

Population: 1,784

💰 Median Household Income
$66,136
This area
$66,136
State
$73,647
USA
$74,580
🏠 Renter Occupied
11.6%
This area
11.6%
State
23.0%
USA
34.0%
💼 Unemployment Rate
5.3%
This area
5.3%
State
-7.4%
USA
3.7%
🎓 College Educated
9.3%
This area
9.3%
State
12.3%
USA
33.7%
👤 Median Age
45.9 years
This area
45.9 years
State
25.7 years
USA
38.9 years
🏚️ Vacancy Rate
8.0%
This area
8.0%
State
14.6%
USA
10.5%
👥 Population by Ethnicity
White 97.5%
Other/Mixed 1.5%
Hispanic/Latino 0.9%
Black/African American 0.8%
Asian 0.2%
👶 Under 18
21.7%
This area
21.7%
USA
22.0%
👴 65 and Over
18.6%
This area
18.6%
USA
17.3%
📊 Poverty Rate
11.6%
This area
11.6%
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 · 7.4 mi

Frequently Asked Questions

Is house hacking profitable in West Decatur, PA?

House hacking works a challenging in West Decatur, PA. Rents of $1,116/mo against $152K acquisition make the strategy solid for owner-occupants.

What is it like being a landlord in West Decatur, PA?

PA ranks as a landlord-friendly state for landlord-tenant law. West Decatur generally follows the statewide framework, so landlords face reasonable operating rules.

Are renters plentiful in West Decatur, PA?

West Decatur, PA draws a steady base of working renters. Demand at the $1,116/mo rent level is reasonable for standard single-family and small multi rentals.

Is West Decatur in PA worth investing in?

Investors tracking West Decatur, PA will find a 2.0/5 rating supported by $152K median home values and $1,116/mo rents. That profile suits long-term holders targeting reliable returns.

What is the best play in West Decatur, PA?

West Decatur, PA investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($152K prices, $1,116/mo rents) make it a reasonable choice.

You know 16878 now. You don’t know where it ranks.

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How 16878 ranks in DuBois, PA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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