Is Lynchburg City, VA good for real estate investing?

Lynchburg City has an investment score of 60/100, rated as "Buy". The county ranks #262 nationally among 1000 counties analyzed.

What is the rent-to-price ratio in Lynchburg City?

The rent-to-price ratio in Lynchburg City is 6.43% annually, which ranks in the 63th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Lynchburg City?

The median home price in Lynchburg City is $239,431. This ranks #363 in affordability among all US counties.

Can you cash flow on rental properties in Lynchburg City?

Based on median values with 20% down at current rates, a typical rental in Lynchburg City would generate negative cash flow of $422/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Lynchburg City

VirginiaPopulation: 79,166

/100

Buy

#262 of 1,000 counties

#56 in Virginia (133 counties)

Market Snapshot

$239,431

Median Home Price

16% below national median

$1,282/mo

Median Rent

17% below national median

6.43%

Rent-to-Price Ratio

Top 37% nationally

-$422

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

Down Payment20%

5%50%100%

Purchase

Purchase Price$239,431

Down Payment (20%)$47,886

Loan Amount$191,545

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,282

Monthly P&I-$1,255

Est. Expenses (35%)-$449

Net Cash Flow-$422/mo

4.2%

Cap Rate (all cash)

-9.2%

Cash-on-Cash Return

6.43%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 4.2% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

60/100

Cash Flow(30%)

64/100

Based on 6.43% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

58/100

Based on 0.8% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

66/100

Price-to-income ratio of 4.3x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

+Complete rent data available

Challenges

-Negative cash flow at typical financing (-$422/mo)
-Negative leverage (cap rate 4.2% < mortgage rate 6.9%)

Economic Indicators

Population

79,166

Median Income

$56,243

vs $65,157 national est.

Unemployment Rate

—

Data pending

Price-to-Income

4.3x

Moderately affordable

Compare to Nearby Counties

County					Verdict
MontgomeryVA	61	$329,915	$1,832	6.66%	Buy	View
CurrentLynchburg CityVA	60	$239,431	$1,282	6.43%	Buy
Newport News CityVA	60	$284,020	$1,557	6.58%	Buy
WarrenVA	60	$378,213	$1,815	5.76%	Buy
Isle of WightVA	60	$370,369	Est. pending	—	Buy
Portsmouth CityVA	59	$255,109	$1,581	7.44%	Hold	View

The Bottom Line

BuyLynchburg City offers solid investment potential with good cash flow or appreciation prospects.

Lynchburg City in Virginia scores 60/100, ranking #262 of 1,000 US counties (top 41%). The 6.43% rent-to-price ratio indicates moderate cash flow potential. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow

$-422/mo

Cap Rate

4.2%

Cash-on-Cash

-9.2%

Ready to Analyze a Deal in Lynchburg City?

Use our investment calculators to run detailed numbers on specific properties.

Single Family1-4 unit rentals, BRRRR House HackOwner-occupied strategy Multifamily5+ unit properties

Explore Other Markets

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$239,431

Down Payment (20%)$47,886

Loan Amount$191,545

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,282

Monthly P&I-$1,255

Est. Expenses (35%)-$449

Net Cash Flow-$422/mo

4.2%

Cap Rate (all cash)

-9.2%

Cash-on-Cash Return

6.43%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 4.2% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

60/100

Cash Flow(30%)

64/100

Based on 6.43% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

58/100

Based on 0.8% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

66/100

Price-to-income ratio of 4.3x. Lower ratios indicate more affordable markets.

County

Verdict

MontgomeryVA

$329,915

$1,832

6.66%

Buy

View

CurrentLynchburg CityVA

$239,431

$1,282

6.43%

Buy

Newport News CityVA

$284,020

$1,557

6.58%

Buy

WarrenVA

$378,213

$1,815

5.76%

Buy

Isle of WightVA

$370,369

Est. pending

—

Buy

Portsmouth CityVA

$255,109

$1,581

7.44%

Hold

View

The Bottom Line

BuyLynchburg City offers solid investment potential with good cash flow or appreciation prospects.

Monthly Cash Flow

$-422/mo

Cap Rate

4.2%

Cash-on-Cash

-9.2%