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Cap Rate Analysis: Bloomsburg, PA

Investment metrics, interactive calculators, and data-driven analysis for Bloomsburg rental properties.

Market data powered by Zillow Home Value Index (ZHVI) and Zillow Observed Rent Index (ZORI) · Updated Feb 2026

Challenging for pure cash flow
Based on $240,000 median price and $1,170/mo median rent
Est. Cap Rate
3.32%
1% Rule
0.49%
Fails
GRM
17.1x
Price / Income
5.0x

Market Data

Median Home Price$240,000
Median Monthly Rent$1,170
Property Tax Rate1.38%
Population50,000
Population Growth0.2% / yr
Median Household Income$47,800
Vacancy Rate6%
Annual Appreciation2.3%

Cap Rate Calculator — Bloomsburg

Pre-filled with Bloomsburg medians. Adjust to match a specific property.

Property Details
$
$
3–8% typical
%
Monthly Expenses
1.38% rate
$
$
8–10% of rent
$
8–12% of rent
$
Cap Rate
2.66%Low
Net Operating Income ÷ Purchase Price
NOI / Year
$6,394
net operating income
Gross Rent Multiplier
17.1x
High (>15)
1% Rule
0.49%
✗ Fails
Monthly Cash Flow
$533
before debt service
Annual Breakdown
Gross Rental Income$14,040
Less Vacancy−$842
Effective Income$13,198
Less Operating Expenses−$6,804
Net Operating Income$6,394
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Cash-on-Cash Return — Bloomsburg

Factor in financing to see your actual return on invested capital in Bloomsburg.

$
$60,000
%
%
years
$
taxes + ins + maint + mgmt
$
$
Cash-on-Cash Return
-8.83%Weak
Annual Cash Flow ÷ Total Cash Invested
Total Cash Invested
$67,200
$60,000 down + $7,200 closing
Monthly Mortgage
$1,173
on $180K loan
Monthly Cash Flow
$-494
after all expenses
Annual Cash Flow
$-5,934
before taxes
Cash Flow Breakdown
Monthly Rent$1,170
Less Expenses−$491
Less Mortgage−$1,173
Monthly Cash Flow$-494

Is Bloomsburg a Good Place to Invest in Rental Property?

Bloomsburg, PA has a population of 50,000 and has been growing at 0.2% annually — roughly in line with national trends, meaning demand is stable but not exceptional. The median home price of $240,000 paired with median rents of $1,170/mo produces an estimated cap rate of 3.32%.

Property taxes at 1.38% fall within the national average range and shouldn't present unusual challenges. The vacancy rate of 6% is moderate and within normal parameters for a healthy rental market.

At a price-to-income ratio of 5.0x, homes cost about 5.0 times the local median income of $47,800. This moderate ratio indicates a balanced rent-vs-buy market. Home values have appreciated at roughly 2.3% annually. Steady appreciation means total returns will be primarily cash flow-driven — the more sustainable model for long-term wealth building.

Bottom line: At current median prices, Bloomsburg is challenging for pure cash flow investing. Consider BRRRR strategies with below-market purchases, or look at neighboring metros with stronger price-to-rent ratios.

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