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Pennsylvania market guide
DSCR loans in Stroudsburg, PA
Rental financing for Stroudsburg investors, qualified on the property's rent.
A DSCR loan in Stroudsburg turns on rent versus payment. Citywide medians from the Census are $1,565 a month for rent, $229,800 for home value and $4,742 a year for real estate taxes.
Stroudsburg rental market at a glance
Two Census medians frame the Stroudsburg rental market: gross rent of $1,565 a month, which is , and a home value of $229,800, which is about 10% below the Pennsylvania median of $254,500.
| Indicator | Pennsylvania | Stroudsburg | Difference |
|---|---|---|---|
| Persons per household | 2.39 | 2.22 | |
| Share in 2-4 unit buildings | 8.3% | 26.7% | +222% |
| Share of homes detached | 56.6% | 36.9% | -35% |
| Long commuters, 45 min plus | 16.4% | 38.0% | +132% |
| Degree holders, age 25+ | 35.2% | 29.1% | -17% |
| Workers on their own account | 8.2% | 6.7% | -18% |
| Renters paying 30%+ of income | 48.2% | 67.7% | +40% |
| Units sitting vacant | 9.2% | 12.4% | +36% |
| Typical construction year | 1965 | 1951 | |
| Households that rent | 30.7% | 58.0% | +89% |
| Tax as a share of home value | 1.30% | 2.06% | +59% |
| Annual property tax bill, median | $3,311 | $4,742 | +43% |
| Typical owner-occupied value | $254,500 | $229,800 | -10% |
| Residents (Census estimate) | 13,018,639 | 5,894 |
Tenure leans toward renters here, at 58.0% of occupied housing (well above the Pennsylvania median of 31%), which supports a durable pool of prospective tenants. Household income runs a median $66,674 (about 14% below the Pennsylvania median of $77,971), while 68% of renters spend 30 percent or more of income on housing.
Stroudsburg is a small place, and Census estimates for small populations carry wide margins of error, so we leave out rent-derived ratios here and rely on local quotes and comparables.
The kind of housing in Stroudsburg
Multifamily matters in Stroudsburg. About 46% of housing units are in multi-unit buildings, and 27% are in two to four unit properties that fit standard DSCR programs. Median year built is 1951. Older buildings tend to need more capital work, and insurers notice roof and electrical age.
Roughly 12% of Stroudsburg's homes are vacant according to the survey.
Investor takeaways for Stroudsburg
Because the housing is older (median built 1951), repair reserves and insurance on aging roofs and wiring deserve a bigger line in your budget than the lender's ratio will show. Renter-heavy markets like Stroudsburg favor investors with a clear tenant profile, whether workers, students or families.
What costs can do to a Stroudsburg ratio
Tax drag is easy to underestimate. Stroudsburg owners report a median $4,742 in annual real estate taxes, well above the Pennsylvania median of $3,311, an effective 2.06% of median home value. Measured against a year of median rent, taxes eat about 25% before any other cost shows up.
County-level hazard data from FEMA (National Risk Index 1.20) shows Monroe County with relatively moderate overall risk and lightning (very high), cold waves (relatively high) and winter weather (relatively high) at the top of the list.
| Hazard in Monroe County, FEMA index | Level |
|---|---|
| Riverine flooding exposure | Relatively Moderate |
| Winter weather exposure | Relatively High |
| Cold waves exposure | Relatively High |
| Lightning exposure | Very High |
| Social vulnerability score | Relatively Low |
| Annualized loss estimate | Relatively Moderate |
| Composite risk | Relatively Moderate |
Many investors meet insurance too late, so get a quote tied to the Stroudsburg property's roof age and flood zone before you waive your inspection period.
The ratio in Stroudsburg dollars
For a rough fit test, treat $1,565 as the rent and $395 as the monthly tax. The payment cannot exceed $1,565 at a 1.00 ratio, so $1,170 is left after taxes for interest, principal, insurance and any association dues, shrinking to $857 if the lender wants 1.25.
Rental rules for Stroudsburg, PA
Before you underwrite a Stroudsburg rental, confirm with city hall and Monroe County whether landlords must register, pass an inspection or hold a permit, especially for stays under 30 days, because those rules can change what income a lender will count. If you are weighing nightly income in Stroudsburg, the state tax backdrop is this. Pennsylvania applies its state hotel occupancy tax to short-term rentals of under 30 days, and platforms such as Airbnb collect and remit it, while counties and cities can add their own room taxes.
For a Stroudsburg lease, the Pennsylvania deposit rule is 2 months' rent in the first year; 1 month's rent from the second year on, as set out in 68 P.S. §§ 250.511a, 250.511b, 250.512. Rent regulation: No. Deposits come due back within 30 days of the tenant leaving, and Stroudsburg owners should document condition at both ends of the lease.
Stroudsburg next to nearby cities
Looking across the table, values run from $158,100 (Scranton) up to $260,400 (Bethlehem), and Stroudsburg lands at $229,800.
| Market | Renter share | Tax bill | Home value | Residents | Rent |
|---|---|---|---|---|---|
| Scranton | 50% | $3,224 | $158,100 | 76,033 | $1,048 |
| Allentown | 57% | $3,829 | $206,600 | 125,976 | $1,317 |
| Bethlehem | 50% | $4,268 | $260,400 | 77,956 | $1,382 |
| Easton | 56% | $3,294 | $196,300 | 29,739 | $1,325 |
| Stroudsburg | 58% | $4,742 | $229,800 | 5,894 |
Employers and institutions near Stroudsburg rentals
Self-employed workers, incorporated or not, make up 6.7% of employed residents, a group that often has irregular tax-return income and a natural fit with rent-based qualification. On the workforce side, government workers are about 21% of employment, 29% of adults hold a bachelor's degree or higher and 38% of commuters travel 45 minutes or more.
On the logistics side, interstate access via I-80 are noted for Stroudsburg.
Moving from numbers to a Stroudsburg loan
Before you offer on a Stroudsburg property, test the ratio in the calculator, then apply now or request a DSCR quote.
More Pennsylvania markets
- All Pennsylvania DSCR loans
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- DSCR loans in Bethlehem, PA
- DSCR loans in Allentown, PA
- DSCR loans in Scranton, PA
- Every market we cover
Sources
- Text of 68 P.S. §§ 250.511a, 250.511b, 250.512 for Stroudsburg landlords
- Pennsylvania Department of Revenue, home-sharing (Pennsylvania)
- Census Bureau ACS 5-year 2020 to 2024 tables
- FEMA National Risk Index
- Stroudsburg overview (Wikipedia)
Census figures are 2020 to 2024 ACS five-year estimates for Stroudsburg and carry margins of error. RedFlagLease (CC BY 4.0) supplies the Pennsylvania landlord-tenant notes, and the statutes are linked. Our check date is October 2026, so look for newer Stroudsburg rules before you commit.
A short buyer checklist
Before you commit on a Stroudsburg deal, confirm the rent with the lease or a market estimate, price the insurance for the exact address, and check how the taxes may change after the sale, so the ratio you run matches the one the lender calculates.
DSCR loan availability varies by property and lender program and is not an offer to lend. See our disclosures.
Frequently asked questions
How does a lender pick the rent for a Stroudsburg DSCR file?
It comes from a lease or from the market rent in the appraisal, whichever the program uses. Against that, the Stroudsburg median is $1,565.
Do taxes and insurance count in the Stroudsburg DSCR ratio?
Taxes, insurance and dues are inside the payment the lender tests. Run $1,565 through a 1.25 ratio and the ceiling is about $1,252; subtract $395 for median taxes and $857 remains.
What do Stroudsburg owners pay in real estate taxes?
Typical owners pay $4,742, or 2.06% of home value, with Pennsylvania overall at 1.30%. Do not assume the seller's bill carries over to you.
Can nightly stays at a Stroudsburg property support a DSCR file?
Yes on programs built for it, once the use is lawful in Stroudsburg. Gather twelve months of statements or a third-party projection, and have Pennsylvania tax registration squared away.
Are there deposit limits for Stroudsburg rentals?
Pennsylvania limits deposits this way: 2 months' rent in the first year; 1 month's rent from the second year on. Return is due within 30 days after the tenant leaves. The governing section is 68 P.S. §§ 250.511a, 250.511b, 250.512.
Should I worry about hazards at a Stroudsburg property?
FEMA's National Risk Index rates the county's overall natural hazard risk as relatively moderate. That is a county-level view, so check the FEMA flood map and an insurance quote for the exact Stroudsburg address.
Should a Stroudsburg rental be bought in an LLC?
No, but it is common. Entity borrowers supply articles, an operating agreement and an EIN letter, and the owners typically guarantee the loan. A Pennsylvania attorney can advise on structure.