Real Estate Investing in Monroeton, Pennsylvania (18832)

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

Bradford County • Population: 1,867 • Data updated: September 2026

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Should you buy in 18832 (Monroeton, PA)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (64/100)

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

📈 For Investors
MIXED
3.0 / 5 (52/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
1 flag
  • High vacancy: 23.1% 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 Monroeton, PA (18832)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $177,094
Avg Monthly Rent $990
1% Rule ✗ Does Not Meet
Median Income $50,769
% Renters 17.5%

Market Analysis: 18832 Monroeton

Not every below-median market is a bargain. Monroeton's 18832 ZIP posts signals that favor experienced operators who can absorb the risk $177K pricing implies.

The 18832 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

Within PA, ZIP 18832 trails on several market indicators that neighboring Bradford County submarkets outperform. The gap is real and healthy enough to shape underwriting.

A significant renter share of 18% in 18832 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

The 18832 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 Monroeton:

C+ Average
Buy Confidence Score: 66/100
Affordability
20/25
Appreciation
18/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.5× the median income
Value Trend
Rising (+6.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $990/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
Sayre, PA Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
6.2%
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 Sayre, PA metro data
🏠

Property Strategy for 18832

Which property type performs best in this market?

Best for Cash Flow
4BR
6.3% cap rate
Best Overall Value
4BR
$44,731/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $144,365 $1,100 5.5% $72,182
3BR $181,766 $1,380 5.5% $60,589
4BR $178,924 $1,570 6.3% $44,731

Market Trends

Home Value History (with trend line)

$182K$167K$152K$136K$121K$106KAug 2012Aug 2019Jul 2026

📊 How Does 18832 Compare?

Metric 18832 Monroeton Sayre, PA Pennsylvania
Home Value $177,094 $198,352 N/A $278,018
5-Year CAGR 4.4% 5.2% N/A 6.3%
Avg Rent $990 $1,013 N/A -
Cap Rate 4.4% 4.0% - -
💡 Why Invest in 18832? 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 18832 (Monroeton, PA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.4%
Fair
5yr Growth
+4.4%
Moderate

📉 Market Crash Risk Index

Based on Sayre, PA metro

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

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $177,094
Monthly Rent $990
Price-to-Rent 14.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.7%
Cap Rate 4.4%
5-Year IRR 8.8%

📈 Home Appreciation

1-Year +6.0% ▲
3-Year CAGR +5.3% ▲
5-Year CAGR +4.4% ▲
10-Year CAGR +4.3% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.4%). 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
23.1%
Elevated risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+4.4%
Stable
Eviction process: Moderate Rent control: Favorable

Demographics in 18832

Population: 1,867

💰 Median Household Income
$50,769
This area
$50,769
State
$73,647
USA
$74,580
🏠 Renter Occupied
17.5%
This area
17.5%
State
23.0%
USA
34.0%
💼 Unemployment Rate
2.8%
This area
2.8%
State
-7.4%
USA
3.7%
🎓 College Educated
12.1%
This area
12.1%
State
12.3%
USA
33.7%
👤 Median Age
41.2 years
This area
41.2 years
State
25.7 years
USA
38.9 years
🏚️ Vacancy Rate
23.1%
This area
23.1%
State
14.6%
USA
10.5%
👥 Population by Ethnicity
White 97.8%
Other/Mixed 1.1%
Asian 0.6%
Hispanic/Latino 0.5%
Black/African American 0.5%
👶 Under 18
25.5%
This area
25.5%
USA
22.0%
👴 65 and Over
19.7%
This area
19.7%
USA
17.3%
📊 Poverty Rate
8.4%
This area
8.4%
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

🎓 Nearby Colleges & Universities

1 Nearby 9 Off-Campus Students
D
Northern Tier Career Center
37 students · 9.4 mi

Frequently Asked Questions

How tight is the rental market in Monroeton, PA?

Vacancy risk in Monroeton, PA is elevated. That supports stable cash flow for typical rental holds.

How expensive is real estate in Monroeton, PA?

Median home price in Monroeton, PA is near $177K, with a 5-year CAGR of 0.0%. Prices have been consistent and supportive of buy-and-hold strategies.

How strong is Monroeton, PA for real estate investors?

Monroeton, PA rates 3.0/5 for investability. With median values at $177K and rents near $990/mo, the market offers reasonable fundamentals for rental investors.

How strict are landlord regulations in Monroeton, PA?

Rental owners in Monroeton, PA deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.

What do rentals go for in Monroeton, PA?

Rental rates in Monroeton, PA average $990/mo. Tenant demand and $177K home values make the yield look reasonable by investor standards.

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How 18832 ranks in Sayre, PA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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