Real Estate Investing in Carlisle, Pennsylvania (17013)

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

Cumberland County • Population: 37,738 • Data updated: September 2026

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Should you buy in 17013 (Carlisle, PA)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (71/100)

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

📈 For Investors
MIXED
3.0 / 5 (47/100)

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

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

What’s happening in Carlisle, PA (17013)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $292,276
Avg Monthly Rent $1,355
1% Rule ✗ Does Not Meet
Median Income $65,906
% Renters 38.9%

Market Analysis: 17013 Carlisle

Investors eyeing 17013 need to respect the fundamentals at play. Home values of $292K come alongside slower price movement and elevated management overhead.

The 17013 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

The gap between 17013 and stronger Carlisle ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Who lives in 17013 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

The right play in 17013 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 Carlisle:

B Good
Buy Confidence Score: 73/100
Affordability
15/25
Appreciation
22/25
Stability
13/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.4× the median income
Value Trend
Rising (+6.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,355/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
BALANCED MARKET
Harrisburg-Carlisle, PA Metro Area
Even conditions for buyers and sellers
21 days
Average time to sell
Fast
11.6%
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 Harrisburg-Carlisle, PA metro data
🏠

Property Strategy for 17013

Which property type performs best in this market?

Best for Cash Flow
1BR
5.8% cap rate
Best for Appreciation
1BR
+10.8% 5yr CAGR
Best Overall Value
3BR
$88,273/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $134,315 $1,090 5.8% +10.8% $134,315
2BR $207,986 $1,340 4.6% +7.9% $103,993
3BR $264,818 $1,720 4.7% +7.5% $88,273
4BR $404,517 $1,770 3.2% +7.4% $101,129
5BR $470,897 +7.5% $94,179

Market Trends

Home Value History (with trend line)

$304K$273K$242K$211K$180K$149KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$1,648$1,499$1,350$1,200$1,051$902Mar 2022May 2024Jul 2026

📊 How Does 17013 Compare?

Metric 17013 Carlisle Harrisburg-Carlisle, PA Pennsylvania
Home Value $292,276 $345,548 N/A $278,018
5-Year CAGR 6.2% 6.1% N/A 6.3%
Avg Rent $1,355 $1,547 N/A -
Cap Rate 3.6% 3.5% - -
💡 Why Invest in 17013? Click to expand

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

A healthy rental market with 39% renter-occupied households ensures tenant availability.

📊 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.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 17013 (Carlisle, PA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.6%
Low
5yr Growth
+6.2%
Strong

📊 Market Snapshot

Home Value $292,276
Monthly Rent $1,355
Price-to-Rent 18.0:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.6%
Cap Rate 3.6%
5-Year IRR 9.8%

📈 Home Appreciation

1-Year +6.2% ▲
3-Year CAGR +4.5% ▲
5-Year CAGR +6.2% ▲
10-Year CAGR +5.7% ▲

🏠 Rent Trends

1-Year +12.3% ▲
3-Year CAGR +6.0% ▲
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.6%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.6%). 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
5.2%
Low risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+6.2%
Growing
Eviction process: Moderate Rent control: Favorable

Demographics in 17013

Population: 37,738

💰 Median Household Income
$65,906
This area
$65,906
State
$73,647
USA
$74,580
🏠 Renter Occupied
38.9%
This area
38.9%
State
23.0%
USA
34.0%
💼 Unemployment Rate
2.2%
This area
2.2%
State
-7.4%
USA
3.7%
🎓 College Educated
35.0%
This area
35.0%
State
12.3%
USA
33.7%
👤 Median Age
37.9 years
This area
37.9 years
State
25.7 years
USA
38.9 years
🏚️ Vacancy Rate
5.2%
This area
5.2%
State
14.6%
USA
10.5%
👥 Population by Ethnicity
White 83.0%
Black/African American 8.0%
Other/Mixed 6.6%
Hispanic/Latino 2.8%
Asian 2.2%
👶 Under 18
19.7%
This area
19.7%
USA
22.0%
👴 65 and Over
19.6%
This area
19.6%
USA
17.3%
📊 Poverty Rate
11.9%
This area
11.9%
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 17013

A Avg School Grade
10 Schools
13.9:1 Avg Class Size
$18,389 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Bellaire El Sch

📚 K – 05 Elementary
👥
397 Students
👨‍🏫
14.1:1 Class Size
💰
$18,545 Per Student
A+ Excellent

Hamilton El Sch

📚 K – 05 Elementary
👥
368 Students
👨‍🏫
13.6:1 Class Size
💰
$18,545 Per Student
A+ Excellent

Lamberton MS

📚 06 – 08 Middle
👥
549 Students
👨‍🏫
13.4:1 Class Size
💰
$18,545 Per Student
A+ Excellent

Mooreland El Sch

📚 K – 05 Elementary
👥
388 Students
👨‍🏫
14.6:1 Class Size
💰
$18,545 Per Student
A+ Excellent

Wilson MS

📚 06 – 08 Middle
👥
576 Students
👨‍🏫
12.9:1 Class Size
💰
$18,545 Per Student
A Very Good

Middlesex El Sch

📚 K – 05 Elementary
👥
393 Students
👨‍🏫
11.3:1 Class Size
💰
$16,989 Per Student
A Very Good

Letort El Sch

📚 K – 05 Elementary
👥
242 Students
👨‍🏫
13.7:1 Class Size
💰
$18,545 Per Student
A Very Good

North Dickinson El Sch

📚 K – 05 Elementary
👥
201 Students
👨‍🏫
13.6:1 Class Size
💰
$18,545 Per Student
A Very Good

Crestview El Sch

📚 K – 05 Elementary
👥
546 Students
👨‍🏫
17.3:1 Class Size
💰
$18,545 Per Student
B+ Above Average

Carlisle Area HS

📚 09 – 12 High School
👥
1,581 Students
👨‍🏫
14.3:1 Class Size
💰
$18,545 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.

🎓 Nearby Colleges & Universities

3 Nearby
B
Dickinson College
2,217 students · 2.7 mi
C+
Messiah University
3,344 students · 12.3 mi
C+
Central Penn College
827 students · 14.3 mi

Frequently Asked Questions

How strong are rents in Carlisle, PA?

Expect rents around $1,355/mo per month in Carlisle, PA. With home values at $292K, the yield math works out to reasonable levels for rental investors.

What price range are homes in Carlisle, PA?

Homes in Carlisle, PA typically sell near $292K. Prices have moved at a 0.0% 5-year CAGR, which measured long-term demand.

What investment strategy works best in Carlisle, PA?

A careful cash-flow rentals with hands-on management strategy Carlisle, PA best. The market produces consistent results for that approach at the $292K price point.

Can I house hack in Carlisle, PA?

House hacking in Carlisle, PA is a challenging. With home values around $292K and rents at $1,355/mo, owner-occupants can offset a meaningful share of PITI.

What kind of vacancy should I budget for in Carlisle, PA?

Expect elevated vacancy in Carlisle, PA. Rents at $1,355/mo are absorbed by the tenant base without meaningful lag.

You know 17013 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 17013 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 17013 ranks in Harrisburg-Carlisle, PA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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