Real Estate Investing in Nescopeck, Pennsylvania (18635)

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

Luzerne County • Population: 3,640 • Data updated: September 2026

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Should you buy in 18635 (Nescopeck, PA)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (59/100)

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

📈 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: 11.6% 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 Nescopeck, PA (18635)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $255,891
Avg Monthly Rent $1,044
1% Rule ✗ Does Not Meet
Median Income $73,259
% Renters 18.4%

Market Analysis: 18635 Nescopeck

The 18635 ZIP in Nescopeck, PA is a local-operator market. Outside capital chasing a $256K entry has to pair deep knowledge with the discount.

Looking more closely, the numbers look inviting — $256K purchase price, 0.0% nominal cap — the work to hit that pro forma in 18635 is substantial and deserves full respect.

Within PA, ZIP 18635 trails on several market indicators that neighboring Luzerne County submarkets outperform. The gap is real and healthy enough to shape underwriting.

Who lives in 18635 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

The 18635 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 Nescopeck:

C+ Average
Buy Confidence Score: 68/100
Affordability
20/25
Appreciation
18/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.5× the median income
Value Trend
Rising (+7.5%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,044/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

Market Trends

Home Value History (with trend line)

$265K$239K$214K$189K$164K$139KJul 2006Jul 2016Jul 2026

📊 How Does 18635 Compare?

Metric 18635 Nescopeck Scranton--Wilkes-Barre, PA Pennsylvania
Home Value $255,891 $255,891 N/A $278,018
5-Year CAGR 3.3% 3.3% N/A 6.3%
Avg Rent $1,044 $1,044 N/A -
Cap Rate 3.2% 3.2% - -
💡 Why Invest in 18635? 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 18635 (Nescopeck, PA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.2%
Low
5yr Growth
+3.3%
Moderate

📊 Market Snapshot

Home Value $255,891
Monthly Rent $1,044
Price-to-Rent 20.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.9%
Cap Rate 3.2%
5-Year IRR 6.5%

📈 Home Appreciation

1-Year +7.5% ▲
3-Year CAGR +3.4% ▲
5-Year CAGR +3.3% ▲
10-Year CAGR +4.7% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.2%). 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
11.6%
Moderate risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+3.3%
Stable
Eviction process: Moderate Rent control: Favorable

Demographics in 18635

Population: 3,640

💰 Median Household Income
$73,259
This area
$73,259
State
$73,647
USA
$74,580
🏠 Renter Occupied
18.4%
This area
18.4%
State
23.0%
USA
34.0%
💼 Unemployment Rate
2.3%
This area
2.3%
State
-7.4%
USA
3.7%
🎓 College Educated
19.8%
This area
19.8%
State
12.3%
USA
33.7%
👤 Median Age
46.5 years
This area
46.5 years
State
25.7 years
USA
38.9 years
🏚️ Vacancy Rate
11.6%
This area
11.6%
State
14.6%
USA
10.5%
👥 Population by Ethnicity
White 96.1%
Other/Mixed 1.9%
Black/African American 1.8%
Hispanic/Latino 0.8%
Asian 0.2%
👶 Under 18
20.0%
This area
20.0%
USA
22.0%
👴 65 and Over
23.4%
This area
23.4%
USA
17.3%
📊 Poverty Rate
4.6%
This area
4.6%
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 18635

A+ Avg School Grade
1 Schools
12.0:1 Avg Class Size
$24,508 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Nescopeck El Sch

📚 K – 04 Elementary
👥
151 Students
👨‍🏫
12.0:1 Class Size
💰
$24,508 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 524 Off-Campus Students
C
Pennsylvania State University-Penn State Hazleton
510 students · 9.7 mi
C
Hazleton Area Career Center
7 students · 11.9 mi
C+
Commonwealth University of Pennsylvania
11,088 students · 12.7 mi

Investor Insight: With 524 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Is Nescopeck in PA worth investing in?

Our data puts Nescopeck, PA at 3.0/5 for investability. Home prices of $256K and rents around $1,044/mo create a solid backdrop for investor activity.

Is housing expensive in Nescopeck, PA?

Nescopeck, PA home values average about $256K. That price point suits investors targeting rentals with $1,044/mo in monthly income.

How much is rent in Nescopeck, PA?

Nescopeck, PA rentals go for roughly $1,044/mo a month. That puts gross yield in solid territory relative to $256K acquisition costs.

Does a duplex house hack pencil in Nescopeck, PA?

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

What real estate strategy is ideal for Nescopeck, PA?

Nescopeck, PA investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($256K prices, $1,044/mo rents) make it a reasonable choice.

You know 18635 now. You don’t know where it ranks.

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How 18635 ranks in Scranton--Wilkes-Barre, PA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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