Real Estate Investing in Montoursville, Pennsylvania (17754)

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

Lycoming County • Population: 11,971 • Data updated: September 2026

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Should you buy in 17754 (Montoursville, 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 Montoursville, PA (17754)?

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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 $294,422
Avg Monthly Rent $1,300
1% Rule ✗ Does Not Meet
Median Income $75,169
% Renters 22.3%

Market Analysis: 17754 Montoursville

Not every below-median market is a bargain. Montoursville's 17754 ZIP comes in at signals that favor experienced operators who can absorb the risk $294K pricing implies.

Stepping back, the numbers look inviting — $294K purchase price, 0.0% nominal cap — the work to hit that pro forma in 17754 is substantial and deserves full respect.

In the broader PA picture, 17754 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

Demographically, 17754 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

The 17754 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 Montoursville:

C+ Average
Buy Confidence Score: 69/100
Affordability
15/25
Appreciation
22/25
Stability
11/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.9× the median income
Value Trend
Rising (+7.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,300/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
Williamsport, PA Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
10.6%
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 Williamsport, PA metro data
🏠

Property Strategy for 17754

Which property type performs best in this market?

Best for Cash Flow
3BR
4.4% cap rate
Best for Appreciation
2BR
+6.2% 5yr CAGR
Best Overall Value
5BR
$79,354/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $218,748 $1,240 4.1% +6.2% $109,374
3BR $271,410 $1,650 4.4% +5.9% $90,470
4BR $351,425 $1,800 3.7% +5.9% $87,856
5BR $396,772 +6.1% $79,354

Market Trends

Home Value History (with trend line)

$305K$275K$244K$214K$184K$154KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$1,301$1,297$1,294$1,290$1,286$1,282May 2026Jun 2026Jun 2026

📊 How Does 17754 Compare?

Metric 17754 Montoursville Williamsport, PA Pennsylvania
Home Value $294,422 $294,422 N/A $278,018
5-Year CAGR 5.5% 5.5% N/A 6.3%
Avg Rent $1,300 $1,300 N/A -
Cap Rate 3.4% 3.4% - -
💡 Why Invest in 17754? 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 17754 (Montoursville, PA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.4%
Low
5yr Growth
+5.5%
Moderate

📉 Market Crash Risk Index

Based on Williamsport, PA metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
42%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $294,422
Monthly Rent $1,300
Price-to-Rent 18.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.3%
Cap Rate 3.4%
5-Year IRR 8.9%

📈 Home Appreciation

1-Year +7.2% ▲
3-Year CAGR +5.0% ▲
5-Year CAGR +5.5% ▲
10-Year CAGR +4.6% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.4%). 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
6.7%
Low risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+5.5%
Stable
Eviction process: Moderate Rent control: Favorable

Demographics in 17754

Population: 11,971

💰 Median Household Income
$75,169
This area
$75,169
State
$73,647
USA
$74,580
🏠 Renter Occupied
22.3%
This area
22.3%
State
23.0%
USA
34.0%
💼 Unemployment Rate
3.1%
This area
3.1%
State
-7.4%
USA
3.7%
🎓 College Educated
31.3%
This area
31.3%
State
12.3%
USA
33.7%
👤 Median Age
46.2 years
This area
46.2 years
State
25.7 years
USA
38.9 years
🏚️ Vacancy Rate
6.7%
This area
6.7%
State
14.6%
USA
10.5%
👥 Population by Ethnicity
White 94.1%
Other/Mixed 3.8%
Hispanic/Latino 2.7%
Asian 1.3%
Black/African American 0.7%
👶 Under 18
20.5%
This area
20.5%
USA
22.0%
👴 65 and Over
24.1%
This area
24.1%
USA
17.3%
📊 Poverty Rate
1.7%
This area
1.7%
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

🎓 Schools in 17754

A Avg School Grade
5 Schools
14.1:1 Avg Class Size
$17,735 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

C E McCall MS

📚 05 – 08 School
👥
531 Students
👨‍🏫
14.1:1 Class Size
💰
$17,888 Per Student
A+ Excellent

Donald E. Schick Sch

📚 Pre-K – 05 Elementary
👥
735 Students
👨‍🏫
15.0:1 Class Size
💰
$17,124 Per Student
A+ Excellent

Lyter El Sch

📚 K – 04 Elementary
👥
368 Students
👨‍🏫
13.9:1 Class Size
💰
$17,888 Per Student
A Very Good

Loyalsock Valley El Sch

📚 K – 04 Elementary
👥
213 Students
👨‍🏫
12.5:1 Class Size
💰
$17,888 Per Student
A Very Good

Montoursville Area SHS

📚 09 – 12 High School
👥
573 Students
👨‍🏫
15.1:1 Class Size
💰
$17,888 Per Student

Nearby Schools (5 more)

Schools in adjacent ZIP codes that may serve this area

A+ Excellent

Curtin Intrmd Sch

📚 04 – 06 School
📍 85 Eldred St, Williamsport
👥
539 Students
👨‍🏫
11.6:1 Class Size
💰
$20,497 Per Student
A+ Excellent

Cochran Primary Sch

📚 K – 03 Elementary
📍 1500 Cherry St, Williamsport
👥
534 Students
👨‍🏫
13.8:1 Class Size
💰
$20,497 Per Student
A+ Excellent

Jackson Primary Sch

📚 K – 03 Elementary
📍 2500 Newberry St, Williamsport
👥
549 Students
👨‍🏫
14.7:1 Class Size
💰
$20,497 Per Student
A+ Excellent

Lycoming Valley Intrmd Sch

📚 04 – 06 School
📍 1825 Hays Lane, Williamsport
👥
564 Students
👨‍🏫
12.9:1 Class Size
💰
$20,497 Per Student
A+ Excellent

Williamsport Area MS

📚 07 – 08 Middle
📍 2800 West Fourth Street, Williamsport
👥
696 Students
👨‍🏫
13.1:1 Class Size
💰
$20,497 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

2 Nearby 516 Off-Campus Students
C+
Lycoming College
1,063 students · 7.5 mi
C+
Pennsylvania College of Technology
4,307 students · 9.0 mi

Investor Insight: With 516 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Can I house hack in Montoursville, PA?

The a challenging house-hack environment in Montoursville, PA reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.

How high is vacancy risk in Montoursville, PA?

Montoursville, PA vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.

Is Montoursville in PA worth investing in?

With a 3.0/5 investability score, Montoursville, PA ranks as a solid market for rental property investors. Median prices of $294K and rents of $1,300/mo drive the underlying numbers.

Are landlord laws favorable in Montoursville, PA?

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

How qualified is the tenant pool in Montoursville, PA?

Tenant quality in Montoursville, PA ranks as solid. Landlords generally report even-keeled occupancy at market rents of $1,300/mo.

You know 17754 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 17754 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 17754 ranks in Williamsport, PA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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