Real Estate Investing in Cross Fork, Pennsylvania (17729)

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

Potter County • Population: 155 • Data updated: September 2026

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Should you buy in 17729 (Cross Fork, PA)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (68/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 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: 87.6% of homes vacant — above national norms.

• 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 Cross Fork, PA (17729)?

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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 $130,586
Avg Monthly Rent $891
1% Rule ✗ Does Not Meet
Median Income $48,750
% Renters 10.3%

Market Analysis: 17729 Cross Fork

Not every below-median market is a bargain. Cross Fork's 17729 ZIP reports signals that favor experienced operators who can absorb the risk $131K pricing implies.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 17729 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

In the broader PA picture, 17729 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

Meanwhile, 155 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.

The 17729 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

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 Cross Fork:

C+ Average
Buy Confidence Score: 62/100
Affordability
20/25
Appreciation
14/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.7× the median income
Value Trend
Rising (+14.5%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $891/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

Market Trends

Home Value History (with trend line)

$136K$128K$120K$112K$104K$96KFeb 2020May 2023Jul 2026

📊 How Does 17729 Compare?

Metric 17729 Cross Fork Lock Haven, PA Pennsylvania
Home Value $130,586 $130,586 N/A $278,018
5-Year CAGR 1.6% 1.6% N/A 6.3%
Avg Rent $891 $891 N/A -
Cap Rate 5.3% 5.3% - -
💡 Why Invest in 17729? 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 17729 (Cross Fork, PA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
5.3%
Fair
5yr Growth
+1.6%
Slow

📉 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 $130,586
Monthly Rent $891
Price-to-Rent 12.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 8.2%
Cap Rate 5.3%
5-Year IRR 6.9%

📈 Home Appreciation

1-Year +14.5% ▲
3-Year CAGR +3.1% ▲
5-Year CAGR +1.6% ▲
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: 5.3%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.3%). 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
87.6%
Elevated risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+1.6%
Flat
Eviction process: Moderate Rent control: Favorable

Demographics in 17729

Population: 155

💰 Median Household Income
$48,750
This area
$48,750
State
$73,647
USA
$74,580
🏠 Renter Occupied
10.3%
This area
10.3%
State
23.0%
USA
34.0%
💼 Unemployment Rate
2.4%
This area
2.4%
State
-7.4%
USA
3.7%
🎓 College Educated
11.1%
This area
11.1%
State
12.3%
USA
33.7%
👤 Median Age
61.8 years
This area
61.8 years
State
25.7 years
USA
38.9 years
🏚️ Vacancy Rate
87.6%
This area
87.6%
State
14.6%
USA
10.5%
👥 Population by Ethnicity
White 99.3%
Other/Mixed 0.7%
👶 Under 18
8.0%
This area
8.0%
USA
22.0%
👴 65 and Over
30.7%
This area
30.7%
USA
17.3%
📊 Poverty Rate
8.0%
This area
8.0%
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

Frequently Asked Questions

What are vacancy rates like in Cross Fork, PA?

Expect elevated vacancy in Cross Fork, PA. Rents at $891/mo are absorbed by the tenant base without meaningful lag.

Does Cross Fork, PA make sense for an investment property?

Our data puts Cross Fork, PA at 3.0/5 for investability. Home prices of $131K and rents around $891/mo create a solid backdrop for investor activity.

Are homes affordable in Cross Fork, PA?

In Cross Fork, PA the median home value sits at $131K. Against the broader PA market, that reads as reasonable for most investors.

Are eviction rules reasonable in Cross Fork, PA?

Landlord-friendliness in Cross Fork, PA is landlord-friendly. Eviction timelines and lease enforcement are considered reasonable by most property managers.

What approach is best for Cross Fork, PA real estate?

In Cross Fork, PA the impressive play is typically careful cash-flow rentals with hands-on management. The combination of $131K prices and $891/mo rents suits that approach.

You know 17729 now. You don’t know where it ranks.

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How 17729 ranks in Lock Haven, PA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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