Metropolitan Area

Pottsville, PA

Pennsylvania0
80
/100
Strong Buy
#18 of 894 metros
Top 2% nationally for investing

Market Snapshot

$168,298
Median Home Price
34% below national median
$1,256/mo
Median Rent
9% below national median
8.96%
Rent-to-Price Ratio
Top 5% nationally
-$66
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Median Home Price

Median Rent

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

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20%
5%50%100%

Purchase

Purchase Price$168,298
Down Payment (20%)$33,660
Loan Amount$134,638
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,256
Monthly P&I-$882
Est. Expenses (35%)-$440
Net Cash Flow-$66/mo
5.8%
Cap Rate (all cash)
-2.0%
Cash-on-Cash Return
8.96%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 5.8% cap rate. All-cash buyers may see better returns.

* Based on metro-wide median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Individual counties and properties vary significantly.

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Score Breakdown

Overall Investment Score
80/100
80
Cash Flow(30%)
90/100

Based on 8.96% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
85/100

Based on 5.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Based on 0.0% population growth. Growing areas indicate economic stability.

Affordability(20%)
94/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow metro-level home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. This metro score represents area-wide averages; individual counties may vary significantly.

Investment Outlook

Strengths

  • +Above-average rent-to-price ratio (8.96%)
  • +Strong price appreciation (+5.0% YoY)
  • +Affordable relative to local incomes
  • +Low unemployment (0.0%)

Challenges

  • -Negative leverage (cap rate 5.8% < mortgage rate 6.9%)

Counties in Pottsville, PA

County data is being compiled for this metro area.

Compare to Similar Metros

Metro AreaVerdict
Coffeyville, KS
Coffeyville, KS
85$101,366$86210.20%Strong BuyView
Roanoke Rapids, NC
Roanoke Rapids, NC
84$107,523$1,07712.02%Strong BuyView
Blytheville, AR
Blytheville, AR
84$115,156$1,06411.08%Strong BuyView
Enid, OK
Enid, OK
83$144,157$1,25010.40%Strong BuyView
Houghton, MI
Houghton, MI
83$194,696$1,73310.68%Strong BuyView
Current
Pottsville, PA
80$168,298$1,2568.96%Strong Buy

The Bottom Line

Strong BuyPottsville, PA is a strong buy market with excellent fundamentals for buy-and-hold investors.

The Pottsville, PA metro area scores 80/100, ranking #18 of 894 US metros (top 2%). The 8.96% rent-to-price ratio exceeds the 1% rule target, suggesting strong cash flow potential across the metro.

Monthly Cash Flow
$-66/mo
Cap Rate
5.8%
Cash-on-Cash
-2.3%

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