Real Estate Investing in Jermyn, Pennsylvania (18433)

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

Lackawanna County • Population: 7,174 • Data updated: September 2026

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Should you buy in 18433 (Jermyn, PA)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (74/100)

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
1 flag
  • Elevated vacancy: 8.8% 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 Jermyn, PA (18433)?

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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 $228,125
Avg Monthly Rent $1,080
1% Rule ✗ Does Not Meet
Median Income $77,500
% Renters 17.4%

Market Analysis: 18433 Jermyn

This part of Lackawanna County is not an easy win. The 18433 ZIP shows softness in key indicators, and the playbook that works in cleaner markets often stalls here.

The 18433 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 18433 and stronger Jermyn ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Demographically, 18433 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.

New investors are better served looking at Jermyn's stable or hybrid ZIPs before stepping into 18433. The learning curve here is expensive when the lesson is wrong.

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 Jermyn:

B Good
Buy Confidence Score: 74/100
Affordability
20/25
Appreciation
22/25
Stability
9/20
Timing
8/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.9× the median income
Value Trend
Declining (-2.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,080/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
Scranton--Wilkes-Barre, PA Metro Area
Even conditions for buyers and sellers
39 days
Average time to sell
Average
9.8%
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 Scranton--Wilkes-Barre, PA metro data
🏠

Property Strategy for 18433

Which property type performs best in this market?

Best for Cash Flow
3BR
4.9% cap rate
Best for Appreciation
3BR
+8.6% 5yr CAGR
Best Overall Value
4BR
$72,486/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
3BR $230,943 $1,560 4.9% +8.6% $76,981
4BR $289,945 $1,690 4.2% +7.7% $72,486

Market Trends

Home Value History (with trend line)

$268K$237K$205K$174K$142K$111KJan 2009Oct 2017Jul 2026

📊 How Does 18433 Compare?

Metric 18433 Jermyn Scranton--Wilkes-Barre, PA Pennsylvania
Home Value $228,125 $228,125 N/A $278,018
5-Year CAGR 5.3% 5.3% N/A 6.3%
Avg Rent $1,080 $1,080 N/A -
Cap Rate 3.7% 3.7% - -
💡 Why Invest in 18433? 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 18433 (Jermyn, PA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.7%
Low
5yr Growth
+5.3%
Moderate

📊 Market Snapshot

Home Value $228,125
Monthly Rent $1,080
Price-to-Rent 17.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.7%
Cap Rate 3.7%
5-Year IRR 9.0%

📈 Home Appreciation

1-Year -2.7% ▼
3-Year CAGR +3.5% ▲
5-Year CAGR +5.3% ▲
10-Year CAGR +5.9% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.7%). 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.

Run an IRR Analysis →

⚠️ Risk Signals

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

Vacancy
8.8%
Moderate risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+5.3%
Stable
Eviction process: Moderate Rent control: Favorable

Demographics in 18433

Population: 7,174

💰 Median Household Income
$77,500
This area
$77,500
State
$73,647
USA
$74,580
🏠 Renter Occupied
17.4%
This area
17.4%
State
23.0%
USA
34.0%
💼 Unemployment Rate
2.8%
This area
2.8%
State
-7.4%
USA
3.7%
🎓 College Educated
31.1%
This area
31.1%
State
12.3%
USA
33.7%
👤 Median Age
47.6 years
This area
47.6 years
State
25.7 years
USA
38.9 years
🏚️ Vacancy Rate
8.8%
This area
8.8%
State
14.6%
USA
10.5%
👥 Population by Ethnicity
White 95.7%
Other/Mixed 3.7%
Hispanic/Latino 2.6%
Asian 0.3%
Black/African American 0.2%
👶 Under 18
18.9%
This area
18.9%
USA
22.0%
👴 65 and Over
19.4%
This area
19.4%
USA
17.3%
📊 Poverty Rate
5.0%
This area
5.0%
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

🎓 Schools in 18433

A Avg School Grade
3 Schools
13.1:1 Avg Class Size
$19,531 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Lakeland El Sch - Mayfield Campus

📚 K – 06 School
👥
274 Students
👨‍🏫
10.8:1 Class Size
💰
$19,531 Per Student
A+ Excellent

Lakeland JSHS

📚 07 – 12 High School
👥
640 Students
👨‍🏫
13.5:1 Class Size
💰
$19,531 Per Student
A Very Good

Lakeland El Sch - Scott Campus

📚 K – 06 School
👥
439 Students
👨‍🏫
15.0:1 Class Size
💰
$19,531 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

8 Nearby 421 Off-Campus Students
C
Clarks Summit University
558 students · 7.4 mi
D
Johnson College
627 students · 8.9 mi
C
Career Technology Center of Lackawanna County
76 students · 8.9 mi
C
Pennsylvania State University-Penn State Scranton
838 students · 9.3 mi
C+
Marywood University
2,850 students · 9.8 mi
C
Keystone College
1,051 students · 10.0 mi
D
Fortis Institute-Scranton
205 students · 11.2 mi
C
Geisinger Commonwealth School of Medicine
649 students · 11.5 mi

Frequently Asked Questions

Do rentals sit vacant long in Jermyn, PA?

Rental vacancy in Jermyn, PA is elevated. Investors should budget normal turnover but not chronic empty units.

How landlord-friendly is Jermyn, PA?

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

What are rental rates like in Jermyn, PA?

Rental rates in Jermyn, PA average $1,080/mo. Tenant demand and $228K home values make the yield look reasonable by investor standards.

How deep is the rental pool in Jermyn, PA?

Expect a solid tenant pool in Jermyn, PA. The rental market absorbs $1,080/mo rents without meaningful friction.

How does Jermyn, PA stack up for property investment?

Yes - Jermyn, PA a 3.0/5 investability score. With $228K home prices against $1,080/mo monthly rent, the market delivers a reasonable entry point for new investors.

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How 18433 ranks in Scranton--Wilkes-Barre, PA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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