Real Estate Investing in Bala-Cynwyd, Pennsylvania (19004)

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

Montgomery County • Population: 10,439 • Data updated: September 2026

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Should you buy in 19004 (Bala-Cynwyd, PA)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (63/100)

Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.

📈 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
CLEAN

No major risk flags on the data we track.

What’s happening in Bala-Cynwyd, PA (19004)?

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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 $694,414
Avg Monthly Rent $2,370
1% Rule ✗ Does Not Meet
Median Income $135,662
% Renters 26.1%

Market Analysis: 19004 Bala-Cynwyd

The 19004 ZIP in Bala-Cynwyd, PA is a local-operator market. Outside capital chasing a $694K entry has to pair deep knowledge with the discount.

For an experienced owner, 19004 can be a worth a close look for hunting ground — but the discount at $694K reflects genuine risk that outside investors often underestimate.

ZIP 19004's metrics run below Montgomery County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

Demographically, 19004 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.

The right play in 19004 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

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 Bala-Cynwyd:

C+ Average
Buy Confidence Score: 66/100
Affordability
10/25
Appreciation
22/25
Stability
11/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.1× the median income
Value Trend
Rising (+7.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,370/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.
🏠

Property Strategy for 19004

Which property type performs best in this market?

Best for Cash Flow
1BR
7.0% cap rate
Best for Appreciation
5BR
+8.9% 5yr CAGR
Best Overall Value
2BR
$187,151/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $196,754 $1,910 7.0% +3.5% $196,754
2BR $374,302 $2,270 4.4% +4.9% $187,151
3BR $575,759 $2,720 3.4% +6.7% $191,920
4BR $861,030 $3,040 2.5% +8.7% $215,258
5BR $1,010,178 +8.9% $202,036

Market Trends

Home Value History (with trend line)

$725K$638K$551K$464K$377K$290KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$2,505$2,333$2,161$1,990$1,818$1,647Nov 2020Sep 2023Jul 2026

📊 How Does 19004 Compare?

Metric 19004 Bala-Cynwyd Pennsylvania
Home Value $694,414 $694,414 $278,018
5-Year CAGR 6.8% 6.8% 6.3%
Avg Rent $2,370 $2,370 -
Cap Rate 2.7% 2.7% -
💡 Why Invest in 19004? 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 19004 (Bala-Cynwyd, PA). Anonymous, moderated, never written by AI.

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Property managers serving Montgomery County

Manage rentals here? List your business →

Apartment Property Management Services 42 LLC. summary from their website

Small multifamily
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Big Realty Property Management. summary from their website

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Lindy Communities offers apartments in Greater Philadelphia, PA, FL & OH, including pet-friendly options. summary from their website

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Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
2.7%
Low
5yr Growth
+6.8%
Strong

📊 Market Snapshot

Home Value $694,414
Monthly Rent $2,370
Price-to-Rent 24.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.1%
Cap Rate 2.7%
5-Year IRR 9.5%

📈 Home Appreciation

1-Year +7.2% ▲
3-Year CAGR +6.2% ▲
5-Year CAGR +6.8% ▲
10-Year CAGR +6.0% ▲

🏠 Rent Trends

1-Year -5.4% ▼
3-Year CAGR +2.2% ▲
5-Year CAGR +4.3% ▲
Negative Leverage — IRR / Tax Play Cap Rate: 2.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.7%). 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
6.4%
Low risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+6.8%
Growing
Eviction process: Moderate Rent control: Favorable

Demographics in 19004

Population: 10,439

💰 Median Household Income
$135,662
This area
$135,662
State
$73,647
USA
$74,580
🏠 Renter Occupied
26.1%
This area
26.1%
State
23.0%
USA
34.0%
💼 Unemployment Rate
2.5%
This area
2.5%
State
-7.4%
USA
3.7%
🎓 College Educated
71.9%
This area
71.9%
State
12.3%
USA
33.7%
👤 Median Age
42.7 years
This area
42.7 years
State
25.7 years
USA
38.9 years
🏚️ Vacancy Rate
6.4%
This area
6.4%
State
14.6%
USA
10.5%
👥 Population by Ethnicity
White 78.0%
Black/African American 11.2%
Asian 7.0%
Other/Mixed 3.9%
Hispanic/Latino 2.2%
👶 Under 18
27.6%
This area
27.6%
USA
22.0%
👴 65 and Over
23.7%
This area
23.7%
USA
17.3%
📊 Poverty Rate
6.1%
This area
6.1%
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 19004

A+ Avg School Grade
3 Schools
11.0:1 Avg Class Size
$38,384 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Bala-Cynwyd MS

📚 05 – 08 School
👥
796 Students
👨‍🏫
9.9:1 Class Size
💰
$38,384 Per Student
A+ Excellent

Belmont Hills El Sch

📚 K – 04 Elementary
👥
344 Students
👨‍🏫
10.7:1 Class Size
💰
$38,384 Per Student
A+ Excellent

Cynwyd Sch

📚 K – 04 Elementary
👥
442 Students
👨‍🏫
12.4:1 Class Size
💰
$38,384 Per Student

Nearby Schools (5 more)

Schools in adjacent ZIP codes that may serve this area

A+ Excellent

Heston Edward Sch

📚 Pre-K – 08 School
📍 1621 N 54th St, Philadelphia
👥
315 Students
👨‍🏫
10.8:1 Class Size
💰
$36,791 Per Student
A+ Excellent

Lamberton Robert E Sch

📚 Pre-K – 08 School
📍 7501 Woodbine Ave, Philadelphia
👥
324 Students
👨‍🏫
11.5:1 Class Size
💰
$36,791 Per Student
A+ Excellent

Merion El Sch

📚 K – 04 Elementary
📍 549 S Bowman Ave, Merion Station
👥
442 Students
👨‍🏫
10.8:1 Class Size
💰
$38,384 Per Student
A+ Excellent

Penn Valley Sch

📚 K – 04 Elementary
📍 301 Righters Mill Rd, Narberth
👥
500 Students
👨‍🏫
11.3:1 Class Size
💰
$38,384 Per Student
A+ Excellent

Roxborough HS

📚 09 – 12 High School
📍 6498 Ridge Ave, Philadelphia
👥
625 Students
👨‍🏫
9.9:1 Class Size
💰
$36,791 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
C
Philadelphia College of Osteopathic Medicine
3,027 students · 0.9 mi
C+
Saint Joseph's University
7,201 students · 1.4 mi
C
Roxborough Memorial Hospital School of Nursing
144 students · 1.5 mi
B
Talmudical Yeshiva of Philadelphia
120 students · 1.9 mi
C
Saint Charles Borromeo Seminary-Overbrook
173 students · 2.1 mi
B+
Haverford College
1,424 students · 4.0 mi
C
Walnut Hill College
127 students · 4.2 mi
C
La Salle University
3,554 students · 4.4 mi

Frequently Asked Questions

Is Bala-Cynwyd, PA a good market for buy-and-hold investors?

With a 3.0/5 investability score, Bala-Cynwyd, PA ranks as a solid market for rental property investors. Median prices of $694K and rents of $2,370/mo drive the underlying numbers.

Is vacancy a concern in Bala-Cynwyd, PA?

Vacancy in Bala-Cynwyd, PA is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $2,370/mo.

What do rentals go for in Bala-Cynwyd, PA?

Rent in Bala-Cynwyd, PA is around $2,370/mo. The resulting rent-to-value relationship with $694K pricing is reasonable for most investor models.

Does house hacking make sense in Bala-Cynwyd, PA?

House hacking in Bala-Cynwyd, PA is a challenging. With home values around $694K and rents at $2,370/mo, owner-occupants can offset a meaningful share of PITI.

Are eviction rules reasonable in Bala-Cynwyd, PA?

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

You know 19004 now. You don’t know where it ranks.

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How 19004 ranks in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD

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Cash Flow → Appreciation → Affordable → 1% Rule →
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