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Market MapPennsylvaniaSomerset

Somerset County

PennsylvaniaPopulation: 73,802
67
/100
Buy
#222 of 1,000 counties
#23 in Pennsylvania (67 counties)

Market Snapshot

$169,583
Median Home Price
38% below national median
$882/mo
Median Rent
41% below national median
6.24%
Rent-to-Price Ratio
Top 43% nationally
-$316
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

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

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$169,583
Down Payment (20%)$33,917
Loan Amount$135,666
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$882
Monthly P&I-$889
Est. Expenses (35%)-$309
Net Cash Flow-$316/mo
4.1%
Cap Rate (all cash)
-9.7%
Cash-on-Cash Return
6.24%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 4.1% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
67/100
67
Cash Flow(30%)
62/100

Based on 6.24% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
74/100

Based on 2.4% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
86/100

Price-to-income ratio of 3.0x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Affordable relative to local incomes
  • +Complete rent data available

Challenges

  • -Negative cash flow at typical financing (-$316/mo)
  • -Negative leverage (cap rate 4.1% < mortgage rate 6.9%)

Economic Indicators

Population
73,802
Median Income
$57,357
vs $62,400 national est.
Unemployment Rate
—
Data pending
Price-to-Income
3.0x
Very affordable

Compare to Nearby Counties

CountyVerdict
CurrentSomersetPA
67$169,583$8826.24%Buy
JeffersonPA
67$117,872Est. pending—BuyView
TiogaPA
67$213,700$1,0505.90%BuyView
MontourPA
67$266,829$1,3796.20%BuyView
DauphinPA
66$269,643$1,3415.97%BuyView
PerryPA
66$281,973Est. pending—BuyView

The Bottom Line

BuySomerset offers solid investment potential with good cash flow or appreciation prospects.

Somerset County in Pennsylvania scores 67/100, ranking #222 of 1,000 US counties (top 22%). The 6.24% rent-to-price ratio indicates moderate cash flow potential. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow
$-316/mo
Cap Rate
4.1%
Cash-on-Cash
-9.7%

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