Lancaster
Investment Analysis

Lancaster, PA
Housing Market Screening

City-level home-price and one-bedroom-rent references with transparent methodology and limitations.

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City-level screening

20.8x

Home price / annualized 1BR rent

Gross annual 1BR-rent reference
4.8%
Recorded YoY field
Not available

Not cap rate, ROI, valuation or buy-versus-rent advice. City fields may reflect different source years.

Median Home Price
$265,000
Average Rent (1BR)
$1,061/mo
Median Income
$63,421
Population
57,683

Housing Screening Context

Lancaster has a computed screening multiple of 20.8x and a gross annual 1BR-rent reference of 4.8%.

These values compare separate city-level fields, not one matched property. They exclude financing, taxes, insurance, maintenance, vacancy, transaction costs and tenure horizon.

Recorded year-over-year price change: Not available. Source period and forecast assumptions should be reviewed before scenario use.

Read the transparent methodology or open the Housing Research Hub.

Rental Cash Flow Analysis

Monthly Income

Gross Rent $1,061
Annual Gross $12,732

Est. Monthly Expenses

Property Tax (~1.5%) -$331
Insurance (~0.5%) -$110
Maintenance (~1%) -$221
Est. Net Cash Flow $399/mo

Job Market

Unemployment 3.7%
National avg: 3.7%
Job Growth (YoY) +0.9%

Healthcare

76
Score
Good

Risk Factors

Low Inventory

Market Activity

Source: Redfin ยท 2026-05-31
Sale-to-List 101.1%
Months Supply 1.5
Price Drops 37%
Gone in 2 Wks 54%

Market Position

Affordability Below Avg
Safety Average

ROI Projector Model an editable scenario

Adjust the sliders to model different investment scenarios for Lancaster.

Total ROI
-107%
on $53,000 invested
Annual ROI
NaN%
compounded
Total Return
-$56,532
appreciation + cashflow
Mo. Cash Flow
-$1,037
year 1 estimate
Equity Growth Over 5 Years
Y155kY257kY360kY463kY565k
Appreciation
$0
Cash Flow
-$56,532
Final Equity
$65,424

* Estimates based on 0.0% annual appreciation, 3% rent growth, 5% vacancy. Does not include closing costs, tax benefits, or capital gains tax. For illustrative purposes only.

Rental Scenario Calculator Estimate your monthly cashflow

Rental Cash-Flow Scenario

Pre-filled for Lancaster

Property

Purchase Price$265,000
Monthly Rent$1,061
Down Payment20%

Financing

Interest Rate6.5%

Expenses

Property Tax1.2%
Insurance (Annual)$1,500
Maintenance Reserve1%
Vacancy Rate5%
Property Management0%
HOA (Monthly)$0
-$943
Modeled Monthly Cash Flow
-$11,314/ year
-21.3%
Cash-on-Cash
1.8%
Cap Rate

Monthly Breakdown

+ Rental Income$1,061
โˆ’ Mortgage (P&I)$1,340
โˆ’ Property Tax$265
โˆ’ Insurance$125
โˆ’ Maintenance$221
โˆ’ Vacancy Loss$53
= Net Cash Flow-$943

Scenario Summary

Down Payment
$53,000
Loan Amount
$212,000
Total Monthly Expenses
$2,004
Gross Yield
4.8%

Investor Toolkit

Research Lancaster before you invest

Disclaimer: This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be made after consulting with qualified professionals. Data sources include Zillow, Census Bureau, and BLS. Cap rates and yields are estimates based on available data.

Last updated: July 2026