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MarketsPennsylvaniaGettysburg

Cap Rate Analysis: Gettysburg, PA

Investment metrics, interactive calculators, and data-driven analysis for Gettysburg 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 $325,000 median price and $1,210/mo median rent
Est. Cap Rate
2.02%
1% Rule
0.37%
Fails
GRM
22.4x
Price / Income
6.8x

Market Data

Median Home Price$325,000
Median Monthly Rent$1,210
Property Tax Rate1.38%
Population50,000
Population Growth0.2% / yr
Median Household Income$47,800
Vacancy Rate6%
Annual Appreciation2.3%

Cap Rate Calculator — Gettysburg

Pre-filled with Gettysburg 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
1.62%Low
Net Operating Income ÷ Purchase Price
NOI / Year
$5,249
net operating income
Gross Rent Multiplier
22.4x
High (>15)
1% Rule
0.37%
✗ Fails
Monthly Cash Flow
$437
before debt service
Annual Breakdown
Gross Rental Income$14,520
Less Vacancy−$871
Effective Income$13,649
Less Operating Expenses−$8,400
Net Operating Income$5,249
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Cash-on-Cash Return — Gettysburg

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

$
$81,250
%
%
years
$
taxes + ins + maint + mgmt
$
$
Cash-on-Cash Return
-11.70%Weak
Annual Cash Flow ÷ Total Cash Invested
Total Cash Invested
$91,000
$81,250 down + $9,750 closing
Monthly Mortgage
$1,589
on $244K loan
Monthly Cash Flow
$-887
after all expenses
Annual Cash Flow
$-10,645
before taxes
Cash Flow Breakdown
Monthly Rent$1,210
Less Expenses−$508
Less Mortgage−$1,589
Monthly Cash Flow$-887

Is Gettysburg a Good Place to Invest in Rental Property?

Gettysburg, 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 $325,000 paired with median rents of $1,210/mo produces an estimated cap rate of 2.02%.

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 6.8x, homes cost about 6.8 times the local median income of $47,800. This elevated ratio means homeownership is stretched, supporting rental demand but limiting buyer pools. 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, Gettysburg 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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