Real Estate Investing in Stevensville, Pennsylvania (18845)
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Should you buy in 18845 (Stevensville, PA)? Our answer, based on the numbers below.
Multiple negative signals. Better options likely exist nearby.
Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.
- High vacancy: 17.7% of homes vacant — above national norms.
- Elevated poverty: 23.7% poverty rate — can affect rent collection.
- Higher unemployment: 10.5% unemployment — tenant risk signal.
• 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 Stevensville, PA (18845)?
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Market Analysis: 18845 Stevensville
This part of Bradford County is not an easy win. The 18845 ZIP sits at softness in key indicators, and the playbook that works in cleaner markets often stalls here.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 18845 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
Within PA, ZIP 18845 trails on several market indicators that neighboring Bradford County submarkets outperform. The gap is real and robust enough to shape underwriting.
The 18845 ZIP's population of 528 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that reports the need for careful underwriting.
The right play in 18845 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.
Here's what matters if you're considering buying a home in Stevensville:
Market Trends
Home Value History (with trend line)
📊 How Does 18845 Compare?
| Metric | 18845 | Stevensville | Sayre, PA | Pennsylvania |
|---|---|---|---|---|
| Home Value | $234,402 | $234,402 | N/A | $278,018 |
| 5-Year CAGR | N/A | N/A | N/A | 6.3% |
| Avg Rent | $1,062 | $1,062 | N/A | - |
| Cap Rate | 3.5% | 3.5% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 18845 (Stevensville, PA). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $234,402 |
| Monthly Rent | $1,062 |
| Price-to-Rent | 18.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.4% |
| Cap Rate | 3.5% |
| 5-Year IRR | 15.9% |
📈 Home Appreciation
| 1-Year | +12.4% ▲ |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
| 10-Year CAGR | N/A |
🏠 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 (3.5%). 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 18845
Population: 528
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
Frequently Asked Questions
How should investors approach Stevensville, PA?
In Stevensville, PA the durable play is typically careful cash-flow rentals with hands-on management. The combination of $234K prices and $1,062/mo rents suits that approach.
Is rental property easy to operate in Stevensville, PA?
The landlord environment in Stevensville, PA is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.
Are tenants stable in Stevensville, PA?
Working renters make up the core of the Stevensville, PA tenant base. The pool is reasonable for investors targeting long-term holds.
Does house hacking make sense in Stevensville, PA?
House hacking works a challenging in Stevensville, PA. Rents of $1,062/mo against $234K acquisition make the strategy solid for owner-occupants.
Where do home prices stand in Stevensville, PA?
Stevensville, PA median home values land near $234K. That is reasonable territory for investors looking at $1,062/mo-per-month rentals.
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How 18845 ranks in Sayre, PA
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