ocity
Lancaster
Investment Analysis

Lancaster, PA
Investor Report

Comprehensive real estate investment analysis with cap rates, rental yields, and risk assessment.

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70
Investment Score
Strong Buy
Cap Rate (Est.)
2.9%
Gross Yield
4.8%
P/R Ratio
0.0x
YoY Growth
+0.0%
Median Home Price
$265,000
Average Rent (1BR)
$1,061/mo
Median Income
$63,421
Population
57,683

Investment Breakdown

100
Value Score
50
Growth Score
59
Safety Score
54
Afford Score

Lancaster has a price-to-rent ratio of 0.0x, which indicates buying is significantly better than renting.

The estimated cap rate of 2.9% is below average, typical of appreciation-focused markets.

Year-over-year price growth of +0.0% suggests a cooling market.

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

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📈 Market Analysis Cost of Living Best Neighborhoods Investor Dashboard

Market Activity

Source: Redfin · 2026-01-31
Sale-to-List 97.6%
Months Supply 1.5
Price Drops 36%
Gone in 2 Wks 53%

Market Position

Affordability Below Avg
Safety Average

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Showing cities with similar population (29k - 87k) and cost of living index (77 - 116)

ROI Projector Estimate your total return

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 Investment Calculator Estimate your monthly cashflow

Rental Income Estimator

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
Monthly Cash Flow
-$11,314/ year
-21.3%
Cash-on-Cash
1.8%
Cap Rate

Monthly Breakdown

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

Investment Summary

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

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: March 2026