Real Estate Investing in Thompson, Pennsylvania (18465)

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

Susquehanna County • Population: 1,319 • Data updated: September 2026

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Should you buy in 18465 (Thompson, PA)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (60/100)

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
  • High vacancy: 54.5% of homes vacant — above national norms.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Thompson, PA (18465)?

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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 $256,453
Avg Monthly Rent $1,062
1% Rule ✗ Does Not Meet
Median Income $64,750
% Renters 20.4%

Market Analysis: 18465 Thompson

The 18465 ZIP covers a section of Thompson that demands careful diligence. Prices near $256K look accessible, but the work to make a deal cash flow is real.

For an experienced owner, 18465 can be a worth a close look for hunting ground — but the discount at $256K reflects genuine risk that outside investors often underestimate.

Nearby ZIPs in Thompson have seen price recovery that 18465 has not matched. Susquehanna County data supports the view that the spread is structural rather than temporary.

Demographically, 18465 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.

Distressed ZIPs reward experience. solid returns are possible in 18465, but they flow to investors who already understand how to operate in soft markets.

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 Thompson:

C+ Average
Buy Confidence Score: 67/100
Affordability
15/25
Appreciation
22/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4× the median income
Value Trend
Rising (+6.3%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,062/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.

Market Trends

Home Value History (with trend line)

$264K$242K$219K$197K$174K$152KJan 2012May 2019Jul 2026

📊 How Does 18465 Compare?

Metric 18465 Thompson Pennsylvania
Home Value $256,453 $256,453 $278,018
5-Year CAGR 5.2% 5.2% 6.3%
Avg Rent $1,062 $1,062 -
Cap Rate 3.2% 3.2% -
💡 Why Invest in 18465? 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 18465 (Thompson, PA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.2%
Low
5yr Growth
+5.2%
Moderate

📊 Market Snapshot

Home Value $256,453
Monthly Rent $1,062
Price-to-Rent 20.1:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.0%
Cap Rate 3.2%
5-Year IRR 8.4%

📈 Home Appreciation

1-Year +6.3% ▲
3-Year CAGR +4.0% ▲
5-Year CAGR +5.2% ▲
10-Year CAGR +3.3% ▲

🏠 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.

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⚠️ Risk Signals

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

Vacancy
54.5%
Elevated risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+5.2%
Stable
Eviction process: Moderate Rent control: Favorable

Demographics in 18465

Population: 1,319

💰 Median Household Income
$64,750
This area
$64,750
State
$73,647
USA
$74,580
🏠 Renter Occupied
20.4%
This area
20.4%
State
23.0%
USA
34.0%
💼 Unemployment Rate
3.3%
This area
3.3%
State
-7.4%
USA
3.7%
🎓 College Educated
19.5%
This area
19.5%
State
12.3%
USA
33.7%
👤 Median Age
46.9 years
This area
46.9 years
State
25.7 years
USA
38.9 years
🏚️ Vacancy Rate
54.5%
This area
54.5%
State
14.6%
USA
10.5%
👥 Population by Ethnicity
White 96.4%
Other/Mixed 2.7%
Hispanic/Latino 1.2%
Black/African American 0.9%
👶 Under 18
21.0%
This area
21.0%
USA
22.0%
👴 65 and Over
22.5%
This area
22.5%
USA
17.3%
📊 Poverty Rate
8.6%
This area
8.6%
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

Frequently Asked Questions

How does Thompson, PA stack up for property investment?

Yes - Thompson, PA a 3.0/5 investability score. With $256K home prices against $1,062/mo monthly rent, the market delivers a reasonable entry point for new investors.

How strong is tenant demand in Thompson, PA?

Working renters make up the core of the Thompson, PA tenant base. The pool is reasonable for investors targeting long-term holds.

What real estate strategy is ideal for Thompson, PA?

For Thompson, PA, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.

Are eviction rules reasonable in Thompson, PA?

For rental operators, Thompson, PA rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.

How much is rent in Thompson, PA?

Rents in Thompson, PA run near $1,062/mo. Compared with median home prices of $256K that produces solid gross yields for typical rentals.

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