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Market MapPhiladelphia, PA
Metropolitan Area

Philadelphia, PA

Pennsylvania010 counties
60
/100
Buy
#508 of 894 metros
Top 57% nationally for investing

Market Snapshot

$375,501
Median Home Price
54% above national median
$1,859/mo
Median Rent
34% above national median
5.94%
Rent-to-Price Ratio
Top 52% nationally
-$760
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$375,501
Down Payment (20%)$75,100
Loan Amount$300,401
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,859
Monthly P&I-$1,968
Est. Expenses (35%)-$651
Net Cash Flow-$760/mo
3.9%
Cap Rate (all cash)
-10.6%
Cash-on-Cash Return
5.94%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.9% cap rate. All-cash buyers may see better returns.

* Based on metro-wide median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Individual counties and properties vary significantly.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
60/100
60
Cash Flow(30%)
59/100

Based on 5.94% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
79/100

Based on 3.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Based on 0.0% population growth. Growing areas indicate economic stability.

Affordability(20%)
50/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow metro-level home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. This metro score represents area-wide averages; individual counties may vary significantly.

Investment Outlook

Strengths

  • +Low unemployment (0.0%)
  • +Large metro with 10 counties offering diverse opportunities

Challenges

  • -Negative cash flow at typical financing (-$760/mo)
  • -Negative leverage (cap rate 3.9% < mortgage rate 6.9%)

Counties in Philadelphia, PA

Best Overall
Gloucester
NJ - Score: 73
Best Cash Flow
Philadelphia
PA - Score: 72
Verdict
GloucesterNJ
302,62173$368,946$2,5258.21%BuyView
PhiladelphiaPA
1,593,20872$227,490$1,7109.02%BuyView
CamdenNJ
522,58168$342,522$1,9486.82%BuyView
New CastleDE
570,56765$358,267$1,8486.19%BuyView
BurlingtonNJ
461,85365$409,465$2,2146.49%BuyView
SalemNJ
64,84065$281,826$1,7427.42%BuyView
BucksPA
645,16360$503,769$2,2895.45%BuyView
DelawarePA
575,31260$350,518$1,6225.55%BuyView
CecilMD
103,87658$371,113$1,8145.87%HoldView
MontgomeryPA
856,39956$470,070$2,0075.12%HoldView

Click any county to see detailed investment analysis

Compare to Similar Metros

Metro AreaVerdict
Lincoln, IL
Lincoln, IL
80$130,608Est.Strong BuyView
Bucyrus, OH
Bucyrus, OH
80$152,779Est.Strong BuyView
Sterling, IL
Sterling, IL
80$138,792Est.Strong BuyView
Portsmouth, OH
Portsmouth, OH
80$135,768Est.Strong BuyView
Williamsport, PA
Williamsport, PA
79$224,545$1,7679.44%Strong BuyView
Current
Philadelphia, PA
60$375,501$1,8595.94%Buy

The Bottom Line

BuyPhiladelphia, PA offers solid investment potential with good cash flow or appreciation prospects.

The Philadelphia, PA metro area scores 60/100, ranking #508 of 894 US metros (top 57%). The 5.94% rent-to-price ratio may require targeting specific counties or creative strategies for positive cash flow. Among 10 counties, Gloucester shows the strongest investment potential (score: 73). Current metro-wide averages make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or drilling down to specific counties.

Monthly Cash Flow
$-760/mo
Cap Rate
3.9%
Cash-on-Cash
-12.1%

Ready to Invest in Philadelphia, PA?

Use our investment calculators to run detailed numbers on specific properties, or explore individual counties for more targeted opportunities.

Single Family1-4 unit rentalsHouse HackOwner-occupiedMultifamily5+ unit propertiesBest CountyGloucester
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