Real Estate Investing in Swiftwater, Pennsylvania (18370)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 18370 (Swiftwater, PA)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 24.6% 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 Swiftwater, PA (18370)?
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Market Analysis: 18370 Swiftwater
Not every below-median market is a bargain. Swiftwater's 18370 ZIP shows signals that favor experienced operators who can absorb the risk $346K pricing implies.
For an experienced owner, 18370 can be a worth a close look for hunting ground — but the discount at $346K reflects genuine risk that outside investors often underestimate.
In the broader PA picture, 18370 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.
Who lives in 18370 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
Experienced landlords with local relationships tend to find 18370 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.
Here's what matters if you're considering buying a home in Swiftwater:
Market Trends
Home Value History (with trend line)
📊 How Does 18370 Compare?
| Metric | 18370 | Swiftwater | East Stroudsburg, PA | Pennsylvania |
|---|---|---|---|---|
| Home Value | $346,323 | $346,323 | N/A | $278,018 |
| 5-Year CAGR | 5.2% | 5.2% | N/A | 6.3% |
| Avg Rent | $1,260 | $1,260 | N/A | - |
| Cap Rate | 2.8% | 2.8% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 18370 (Swiftwater, PA). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $346,323 |
| Monthly Rent | $1,260 |
| Price-to-Rent | 22.9:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.4% |
| Cap Rate | 2.8% |
| 5-Year IRR | 8.1% |
📈 Home Appreciation
| 1-Year | +3.8% ▲ |
| 3-Year CAGR | +3.2% ▲ |
| 5-Year CAGR | +5.2% ▲ |
| 10-Year CAGR | +7.6% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.8%). 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.
Demographics in 18370
Population: 867
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 18370
Schools in This ZIP Code
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
Investor Insight: With 666 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Can I house hack in Swiftwater, PA?
House hacking in Swiftwater, PA is a challenging. With home values around $346K and rents at $1,260/mo, owner-occupants can offset a meaningful share of PITI.
Is Swiftwater, PA landlord-friendly?
Landlord-friendliness in Swiftwater, PA is landlord-friendly. Eviction timelines and lease enforcement are considered reasonable by most property managers.
What are home prices like in Swiftwater, PA?
In Swiftwater, PA the median home value sits at $346K. Against the broader PA market, that reads as reasonable for most investors.
What monthly rent should investors expect in Swiftwater, PA?
Rents in Swiftwater, PA run near $1,260/mo. Compared with median home prices of $346K that produces solid gross yields for typical rentals.
How qualified is the tenant pool in Swiftwater, PA?
Swiftwater, PA draws a stable base of working renters. Demand at the $1,260/mo rent level is reasonable for standard single-family and small multi rentals.
You know 18370 now. You don’t know where it ranks.
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How 18370 ranks in East Stroudsburg, PA
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