Is Northumberland County, PA good for real estate investing?

Northumberland County has an investment score of 73/100, rated as "Buy". The county ranks #62 nationally among 1000 counties analyzed.

What is the rent-to-price ratio in Northumberland?

The rent-to-price ratio in Northumberland County is 6.84% annually, which ranks in the 73th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Northumberland?

The median home price in Northumberland County is $165,824. This ranks #213 in affordability among all US counties.

Can you cash flow on rental properties in Northumberland?

Based on median values with 20% down at current rates, a typical rental in Northumberland County would generate negative cash flow of $255/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Northumberland County

PennsylvaniaPopulation: 91,340

/100

Buy

#62 of 1,000 counties

#10 in Pennsylvania (67 counties)

Market Snapshot

$165,824

Median Home Price

29% below national median

$945/mo

Median Rent

37% below national median

6.84%

Rent-to-Price Ratio

Top 27% nationally

-$255

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Price History

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$165,824

Down Payment (20%)$33,165

Loan Amount$132,659

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$945

Monthly P&I-$869

Est. Expenses (35%)-$331

Net Cash Flow-$255/mo

4.4%

Cap Rate (all cash)

-8.0%

Cash-on-Cash Return

6.84%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 4.4% 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 Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

73/100

Cash Flow(30%)

68/100

Based on 6.84% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

92/100

Based on 6.9% 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

+Above-average rent-to-price ratio (6.84%)
+Strong price appreciation (+6.9% YoY)
+Affordable relative to local incomes
+Complete rent data available

Challenges

-Negative cash flow at typical financing (-$255/mo)
-Negative leverage (cap rate 4.4% < mortgage rate 6.9%)

Economic Indicators

Population

91,340

Median Income

$55,952

vs $57,018 national est.

Unemployment Rate

—

Data pending

Price-to-Income

3.0x

Very affordable

Compare to Nearby Counties

County					Verdict
SusquehannaPA	75	$224,876	Est. pending	—	Strong Buy	View
BlairPA	74	$166,151	$1,000	7.22%	Buy	View
CurrentNorthumberlandPA	73	$165,824	$945	6.84%	Buy
PhiladelphiaPA	73	$228,589	$1,704	8.94%	Buy	View
BeaverPA	72	$192,005	$1,068	6.67%	Buy	View
LuzernePA	71	$213,661	$1,291	7.25%	Buy	View

The Bottom Line

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

Northumberland County in Pennsylvania scores 73/100, ranking #62 of 1,000 US counties (top 8%). The 6.84% rent-to-price ratio indicates moderate cash flow potential.

Monthly Cash Flow

$-255/mo

Cap Rate

4.4%

Cash-on-Cash

-8.0%

Ready to Analyze a Deal in Northumberland?

Use our investment calculators to run detailed numbers on specific properties.

Single Family1-4 unit rentals, BRRRR House HackOwner-occupied strategy Multifamily5+ unit properties

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Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$165,824

Down Payment (20%)$33,165

Loan Amount$132,659

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$945

Monthly P&I-$869

Est. Expenses (35%)-$331

Net Cash Flow-$255/mo

4.4%

Cap Rate (all cash)

-8.0%

Cash-on-Cash Return

6.84%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 4.4% 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 Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

73/100

Cash Flow(30%)

68/100

Based on 6.84% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

92/100

Based on 6.9% 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.

County

Verdict

SusquehannaPA

$224,876

Est. pending

—

Strong Buy

View

BlairPA

$166,151

$1,000

7.22%

Buy

View

CurrentNorthumberlandPA

$165,824

$945

6.84%

Buy

PhiladelphiaPA

$228,589

$1,704

8.94%

Buy

View

BeaverPA

$192,005

$1,068

6.67%

Buy

View

LuzernePA

$213,661

$1,291

7.25%

Buy

View

The Bottom Line

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

Northumberland County in Pennsylvania scores 73/100, ranking #62 of 1,000 US counties (top 8%). The 6.84% rent-to-price ratio indicates moderate cash flow potential.

Monthly Cash Flow

$-255/mo

Cap Rate

4.4%

Cash-on-Cash

-8.0%