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Lebanon vs Lock Haven for Rental Property Investing

Side-by-side comparison of Lebanon, PA and Lock Haven, PA — cap rates, rent, prices, and investment metrics.

Lock Haven wins 3–0 across key metrics
Lock Haven leads on cash flow (3.22% vs 2.89% cap rate) · Lebanon leads on population growth
Metric
Lebanon, PA
Lock Haven, PA
Est. Cap Rate
2.89%
3.22%
Median Home Price
$305,000
$190,000
Median Monthly Rent
$1,370
$910
1% Rule
0.45%
0.48%
GRM
18.6x
17.4x
Price / Income
6.4x
4.0x
Property Tax Rate
1.38%
1.38%
Vacancy Rate
6%
6%
Population Growth
0.2% / yr
0.2% / yr
Annual Appreciation
2.3%
2.3%
Population
50,000
50,000
Median Income
$47,800
$47,800

Lebanon vs Lock Haven: Which Is Better for Investors?

Cash flow: Lock Haven has the edge with an estimated cap rate of 3.22% compared to Lebanon's 2.89%. Neither city passes the 1% rule outright, so deal sourcing and value-add strategies become more important. Median home prices are $305,000 in Lebanon vs $190,000 in Lock Haven, while rents come in at $1,370/mo and $910/mo respectively. For context, the national average cap rate is 3.81% and average price is $333K.

Growth & appreciation: Lebanon is growing faster at 0.2% annually vs Lock Haven's 0.2%. Lebanon leads on home value appreciation at 2.3% per year.

Costs & risk: Property taxes are 1.38% in Lebanon vs 1.38% in Lock Haven. Vacancy rates of 6% and 6% are mixed — Lock Haven has the tighter rental market.

Entry point: Lock Haven offers a lower entry at $190K vs Lebanon's $305K — a difference of $115K. With a 20% down payment, that's $38K vs $61K. Lock Haven combines the lower price with a higher cap rate — a compelling combination.

Bottom line: Lock Haven edges out Lebanon on most key metrics. While cap rates are moderate at 3.22%, Lock Haven's overall profile is stronger. Use our free calculators to model specific deals in Lebanon or Lock Haven.

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Lebanon, PA
2.89% cap rate · $305,000 median · $1,370/mo
Full analysis →
Lock Haven, PA
3.22% cap rate · $190,000 median · $910/mo
Full analysis →

Frequently Asked Questions

Is Lebanon or Lock Haven better for rental investing?
Lock Haven wins 3–0 across our 7 key metrics. Lock Haven's 3.22% cap rate and $190K median price give it the edge overall.
What is the cap rate difference between Lebanon and Lock Haven?
Lebanon has a 2.89% cap rate vs Lock Haven's 3.22% — a difference of 0.34 percentage points. This is a relatively small difference — other factors like growth, taxes, and local market conditions may matter more. For context, the national average is 3.81%.
Which city has lower property taxes?
Lock Haven has lower property taxes at 1.38% vs 1.38%. On a $248K property, that's a difference of approximately $1,587/year in tax expense — money that goes directly to (or from) your cash flow.
Which city is growing faster?
Lebanon is growing at 0.2% annually vs Lock Haven's 0.2%. Both cities have slow growth — focus on the strongest neighborhoods. Lebanon's appreciation rate of 2.3% also leads on home value growth.

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