519 Jackson Ave · Vandergrift, PA 15690

$150,000

3 bd · 1.5 ba · 1,481 sqft · Other · 10 Days on market

3,728 sqft lot

---

Why this score? — see what drove the D grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Appreciation +10.0/10.0
• Cash flow +7.9/30.0
• ARV discount +7.5/15.0
• Schools +4.0/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.2/10.0
• DSCR +2.0/10.0

Listing remarks MLS

All but 1 window has been replaced. Hard wood flooring in the Kitchen. First floor laundry room. First floor powder room. Circuit Breakers. Large walk up attic, could be 2 more bedrooms. Nice large entry. Home warranty.

Key facts

• Covered front porch
• Grand entryway
• Beautiful staircase

Tags

• COVERED FRONT PORCH
• GRAND ENTRYWAY
• BEAUTIFUL STAIRCASE
• TIMELESS ARCHITECTURAL DETAILS
• LARGE LIVING ROOM
• HIGH CEILINGS

Property features AI

Exterior

• Parking: Off-street parking; 2 parking spaces
• Utilities: Public water; Public sewer
• Home design: 3-story home; Resale property; Asphalt roof; Aluminum siding
• Construction: Aluminum siding construction; Asphalt roof; Has home warranty
• Exterior features: Small lot (approx. 0.0856 acres)

Interior

• Kitchen: Refrigerator; Stove; Microwave; Dishwasher
• Bedrooms: Upper-level bedrooms (including two bedrooms listed with dimensions 12x12 and 9x8); Upper-level bonus room (27x13)
• Flooring: Hardwood floors; Ceramic tile
• Bathrooms: One full bathroom; One half bathroom
• Heating & cooling: Forced air heating (gas); Central electric air conditioning
• Interior features: Window treatments; Finished full basement with interior entry
• Laundry & utility: Washer; Dryer; Main-level laundry room (11x10)

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath other listed at $150k.

Deal economics

• At list price, monthly cash flow is $-161 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $122k (18.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $108k (28.3% below list).
• Recommended offer: $108k (28.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 69/100 on livability (#837 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A, health & safety A-; Watch: amenities F, commute F, employment F.
• Kiski Area SD (suburban): math 33% / reading 60% proficiency, ranked #247 of 539 in PA (top 46%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Kiski Area East Primary Sch (math 32% / reading 52%, grade F, #883 of 1,518 statewide, top 61%, 423 students, 100% FRL); Kiski Area Ihs (math 20% / reading 56%, grade F, #283 of 512 statewide, top 57%, 543 students, 56% FRL); Kiski Area Hs (math 58%, 1,126 students, 31% FRL) — zoned schools average 62% FRL vs 35% district-wide (27 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 44 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals at typical pace (median 19d on market — plan ~3-4 weeks tenant-placement turnaround); 415 units permitted in Westmoreland County in 2024 (10 in 5+ unit buildings).

Forward outlook

• In year one you build about $16k of equity ($1k loan paydown + $15k appreciation (10.0% local appreciation)).
• Westmoreland County population projected at -19% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• By year 3, paydown + projected appreciation supports a ~$41k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 25y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $62k; list at $150k implies a 142% gain — meaningful room to come down on a strong offer.

Recommended offer $107,525 (28.3% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
4. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
5. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
6. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
7. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.72% ✗
• Cap rate: 5.01%
• Cash-on-cash: -4.60%
• DSCR: 0.80
• GRM: 11.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 21.0%
• Equity multiple: 2.70×
• Total profit: $71,448
• Equity at exit: $135,132

10-year hold

• IRR: 19.0%
• Equity multiple: 6.20×
• Total profit: $218,460
• Equity at exit: $291,417

Cash invested: $42,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 62 Landlord-Friendly
• State Pennsylvania: 62 Landlord-Friendly · EVEN
• County: — inherits STATE
• City: — inherits STATE

10-day notice; Philadelphia has eviction-court diversion + some protections; otherwise moderate.

Methodology + full state rankings →

ZIP-level market 15690

• Home prices YoY: 10.8%
• Active inventory: 44
• Price-to-rent: 11.6×

Monthly cashflow live

• Estimated rent: $1,075 medium
• Mortgage (P&I): −$787
• Tax from tax record: −$161 /mo · $1,934/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$226
• Net cashflow: $-161

Break-even live

Break-even rent $1,279

Max offer price $121,582

Occupancy floor —

Sensitivity live

Price	-10% $-76	-5% $-118	+0% $-161	+5% $-203	+10% $-246
Rent	-10% $-246	-5% $-203	+0% $-161	+5% $-118	+10% $-76
Rate	-1.0pp $-85	-0.5pp $-123	base $-161	+0.5pp $-200	+1.0pp $-239

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $37,500
• Closing costs: $4,500
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1005 Hancock Ave Vandergrift, PA	3.0	2.0	1400	$1,395	$1.00	19d	1	0.37mi
121 McKinley Ave Vandergrift, PA	2.0	1.0	1064	$795	$0.75	9d	1	0.43mi
121 McKinley Ave Unit 121-B Vandergrift, PA	2.0	1.0	1064	$850	$0.80	45d	1	0.43mi
434 Mckinley Ave Vandergrift - WML, PA	1.0–2.0	1.0	933	$1,098	$1.18	0d	3	0.50mi

Listing history 7 events

1. 2026-06-21
   days on market $150,000 Active 10 DOM
2. 2026-06-18
   days on market $150,000 Active 7 DOM
3. 2026-06-17
   days on market $150,000 Active 6 DOM
4. 2026-06-16
   days on market $150,000 Active 5 DOM
5. 2026-06-15
   days on market $150,000 Active 4 DOM
6. 2026-06-13
   remarks 699-char remark
7. 2026-06-13
   listed $150,000 Active 2 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast PA · Partial reset (capped growth)

• Current annual tax: $1,934 · $161/mo
• Projected year-2 tax: $2,152 · $179/mo
• Expected delta: +$218/yr (+$18/mo · 11.3%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥97°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,903
• − Mortgage interest: −$8,402
• − Property taxes: −$1,934
• − Insurance: −$750
• − Repairs & maintenance: −$1,032
• − Management: −$1,032
• − Depreciation: −$4,364
• Taxable loss: −$4,612
• Est. tax savings @ 24.0%: +$1,107
• After-tax cash flow: $-824/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Kiski Area SD
• NCES district ID: 4212840
• Math proficiency: 33% ▼ -16.00%
• Reading proficiency: 60% ▼ -10.00%
• Median HH income: $49,407
• Composite: 39.72/100
• National rank: #3900
• State rank: #247 of 539 in PA

Livability — Vandergrift

• Score: 69/100
• State rank: #837
• US rank: #8777

Category grades

Amenities F Commute F Cost of living A+ Crime B Employment F Housing A Health & safety A- User ratings B+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Vandergrift, PA
• Population (ZIP): 9,359

Population outlook (Westmoreland County) Hauer SSP2

• Today (2025): 342,555 people
• By 2030: 331,717 · -3.2%
• By 2040: 304,976 · -11.0%
• By 2050: 277,444 · -19.0%
• By 2075: 224,607 · -34.4%
• By 2100: 171,084 · -50.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (90%)
• Race & ethnicity: White 90% Two or more races 7% Black 2% Hispanic / Latino 1%
• Common ancestry: Romanian 8% Subsaharan African 3% Serbian 2%
• Foreign-born: 2% · Canada
• Languages at home: 98% English-only · Other Indo-European 1%

Political lean MEDSL · Westmoreland

• 2024 margin: Strong R (+28.4) · D 35.4% · R 63.9%
• 2008→2024 swing: -11.7pp toward R · 2008: -16.7pp · 2024: -28.4pp
• All cycles: 2024: R+28.4 2020: R+28.3 2016: R+31.3 2012: R+23.7 2008: R+16.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 24.69%
• Current HPI: 253.8806
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 1.68%
• F500 in state: 34

Industry mix (Fortune 500 HQ in PA)

Industry	F500 HQs	Revenue
▸Healthcare	2	$309B
▸Insurance	2	$27B
▸Telecommunications / Media	1	$124B
▸Industrial Distribution	1	$22B
▸Financial Services	1	$20B
▸Chemicals / Materials	1	$18B

Price history

+180.4% since first listed

8 events — show timeline

• 2026-06-08 Listed $150,000 West Penn MLS
• 2009-11-10 Sold (Public Records) $62,000 Public Records
• 2009-11-10 Price Changed $58,900 West Penn MLS
• 2009-11-06 Sold (MLS) $62,000 West Penn MLS
• 2009-09-17 Listed $62,000 West Penn MLS
• 2001-05-01 Sold (Public Records) $50,000 Public Records
• 2001-04-30 Sold (MLS) $50,000 West Penn MLS
• 2001-01-29 Listed $53,500 West Penn MLS

Property tax history

+2.3%/yr

Latest (2026): $1,934 · +1.2% YoY. Source: county tax records.