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Balanced

Lock Haven, PA

This market deserves a narrower search instead of a broad green light. In the latest Zillow Research data, home values are still rising while rents are still moving up.

Last updated 2026-07-31

D48/100
Below-average marketD grade · 48/100 market scoreNeeds tighter selectivity and stronger basis than the average market.

Lock Haven, PA still has price and rent momentum moving in the same direction. It screens best when you want a market that has not fully rolled over, but it still needs address-level discipline.

Analyze a property in this marketBack to marketsAverage deal analysis in Lock Haven

Average deal benchmark

Average deal in this market

This is the quick market-level baseline for what a typical deal looks like before you underwrite a real address.

Typical priceVerified
$202,207Typical market home value
Typical rentVerified
$942Average monthly rent
Rent-to-valueEstimated
5.59%Gross annual rent divided by home value
1-year rent trendVerified
+3.8%Recent rent direction

Verified metrics come from sourced market files. Estimated metrics are derived from those inputs.

Strategy fit

What's working in this market

Lock Haven reads as a balanced market rather than an obvious bargain or a clear avoid. The overall market score is 48/100, which puts it on the Watch list: there is some investment support, but the numbers do not point to an especially strong spread between rents and values right now.

The typical home value is $202,207 and average rent is $942, producing rent-to-value strength of 5.59%. Rent support is improving modestly, with the 1-year rent trend up 3.8%, while typical home values are also up 2.8% over 1 year. Price-vs-rent pressure is -1.0%, suggesting rents are not being dramatically outpaced by prices, but the market still needs careful deal-by-deal underwriting.

Which strategy this favors

This market currently favors patient buy-and-hold investors more than aggressive flip or BRRRR investors. The balanced classification, 5.59% rent-to-value strength, +3.8% rent trend, and +2.8% home value change suggest a market with moderate rent support and modest appreciation, but the 48/100 Watch list score means investors should look for disciplined entry prices rather than assuming the average deal works.

Generated from this market's real Zillow-backed metrics only — not a recommendation, and not informed by facts about the city beyond the numbers shown above.

County snapshot

Local context inside the market

These counties add local context after the market screen. Use them to see where conditions look stronger or weaker before you underwrite a specific address.

County overlays are loading for this market.

Clinton County · 49/100

Home value: $202,263Average rent: $942Rent-to-value: 5.59%

Sourced metrics

What the sourced market data says

Rating breakdown

How the screening score is built

Rent-to-value strength50% weight
5.59%Higher rent-to-value ratios improve the first-pass screen.
1-year rent trend25% weight
+3.8%Positive rent growth improves the score.
Price-vs-rent pressure25% weight
-1.0%When home values run ahead of rents, the score gets penalized.

Underwriting

What this means for deal analysis

  • Use the market average as a screening shortcut, not a recommendation.
  • Do not let the metro snapshot override the actual basis, rent comps, and operating drag on the address.
  • Do not turn market averages into cap-rate claims without real taxes, insurance, management, and repair assumptions.
Verify before you buy

Market averages are a screen, not a verdict

  • Validate listing-level rent comps before trusting the market average.
  • Run financing and reserve assumptions with enough margin to survive a worse-than-average deal.
  • Check whether the target county is outperforming or lagging the broader market before you bid.
Methodology

How this page is built

  • Numeric market metrics are pulled from Zillow Research metro files at build time, not copied by hand.
  • County context uses Zillow Research county files plus Census TIGERweb county polygons so the local snapshot maps to real boundaries.
  • The overall market score is a transparent screening heuristic built from rent-to-value, 1-year rent trend, and price-vs-rent pressure.
  • Unsupported metrics such as days-to-pending are intentionally removed instead of scraped or inferred.

Zillow Research ZHVI metro file

Metro home values as of 2026-07-31.

Open sourceAccessed 2026-09-15

Zillow Research ZORI metro file

Metro rents as of 2026-07-31.

Open sourceAccessed 2026-09-15

Zillow Research ZHVI county file

County home values used for the supporting county snapshot.

Open sourceAccessed 2026-09-15

Zillow Research ZORI county file

County rents used for the supporting county snapshot.

Open sourceAccessed 2026-09-15

Census TIGERweb county polygons

Official county boundaries used to render the city-level map footprint.

Open sourceAccessed 2026-09-15

Zillow research definitions

Reference definitions for Zillow housing and rent market metrics.

Open sourceAccessed 2026-09-15
FAQ

Common questions

Why does this page show a score at all?

The market score is a transparent screening heuristic built from Zillow Research home-value, rent-trend, and rent-to-value inputs. It is not a buy recommendation or a substitute for address-level underwriting.

What do the county snapshots represent?

The page shows county-level snapshots inside the market footprint so you can see where conditions look stronger or weaker. Treat them as supporting context, not automatic buy boxes.

What should I do after reading this page?

Use the page to decide whether the market deserves deeper attention, then run a real property-level analysis inside InstantlyAnalyze before making an offer.