CashFlowRE
Sign in Sign up
844 Westphal Ave
C- Composite 53.55
Why this score? — see what drove the C- 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).

  • Cash flow +17.4/30.0
  • ARV discount +15.0/15.0
  • DSCR +5.4/10.0
  • 1% rule +4.5/10.0
  • Livability +3.6/5.0
  • Rent growth +3.1/5.0
  • Condition / age +2.5/5.0
  • Schools +2.1/10.0
  • Appreciation +0.0/10.0

$129,900

844 Westphal Ave · Whitehall, OH 43213
2 bd · 1.0 ba · 840 sqft · SingleFamily public records · 57 Days on market
Built 1955 6,969 sqft lot $155/sqft · 17% below area Est $156k · 17% under

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Attention Investors! Adorable 2/1 Cottage with Spacious Family Room, Wood-Laminate and Ceramic Tile Flooring Throughout; New Air Conditioning, New Water Heater, Frigidaire Glass Top Stove, OTR Microwave, Dishwasher and Refrigerator Large Laundry Room, One (1) Car Garage; Private, Fenced Backyard with Mature Trees; Ceramic Tile in Kitchen with White Cabinets; Full Bath with Ceramic Tile Surround. Ceiling fans in Family and Kitchen, ceiling lights in bedrooms. Great Street Located near Shopping, Restaurants and Park. Home Warranty Inc.

Key facts

  • Functional layout
  • Conveniently located
  • 6,969 sq ft lot

Tags

FUNCTIONAL LAYOUTCOMFORTABLE LIVING SPACECONVENIENTLY LOCATED

Property features AI

Exterior

  • Parking: Detached 1-car garage
  • Utilities: Public water; Public sewer
  • Home design: Single-family home; One story; Built in 1955; No common walls
  • Construction: Block foundation
  • Exterior features: Patio; Fenced yard; Wooded lot

Interior

  • Bedrooms: Two main-level bedrooms
  • Flooring: Laminate flooring; Ceramic/porcelain flooring
  • Bathrooms: One full bathroom
  • Heating & cooling: Central air conditioning
  • Interior features: Insulated windows; Crawl space basement

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 2-bed/1.0-bath single-family listed at $130k.

Deal economics

  • At list price, monthly cash flow is $97 ($1k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $123k (5.0% below list).
  • Recommended offer: $123k (5.0% below list) — sets the bar for 1% rule.
  • Cap rate 7.2% vs local median 4.2% in Whitehall — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

  • Location reads 71/100 on livability (#399 in OH) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: crime F, employment D-.
  • Whitehall City (suburban): math 18% / reading 33% proficiency, ranked #603 of 656 in OH (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 69% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Zoned schools: Etna Road Elementary School (math 24% / reading 38%, grade F, #1,150 of 1,584 statewide, top 73%, 505 students, 0% FRL); Rosemore Middle School (math 17% / reading 29%, grade F, #600 of 654 statewide, top 92%, 774 students, 0% FRL); Whitehall Yearling High School (math 12% / reading 46%, grade F, #627 of 781 statewide, top 81%, 810 students, 0% FRL) — zoned schools average 0% FRL vs 69% district-wide (69 pts lower); this property's tenant base skews higher-income than the district average.
  • Market conditions: Rents rising (+2.3%/yr); 67 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; 8,139 units permitted in Franklin County in 2024 (5,940 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $898 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
  • Franklin County population projected at +34% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 57 days — a 3% lower offer ($126k) is reasonable based on typical stale-listing flexibility.
  • 11 sale attempts since 28y ago; this cycle's ask has dropped $15k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • Watch-outs: built in 1955 — expect roof / HVAC / electrical / plumbing capex.
Recommended offer $123,442 (5.0% below list)

Questions for the listing agent

  1. It's been on market 57 days. Have you received any prior offers? Is the seller open to a 5% concession, seller financing, or rate buy-down credit?
  2. Built in 1955 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  4. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
  5. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
  6. 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.
  7. 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.
  8. 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
0.95%
Cap rate
7.19%
Cash-on-cash
3.21%
DSCR
1.14
GRM
8.8

CMA / ARV

ARV (median comp)
$156,387
List price
$129,900
Delta
-16.94%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
4623 Langley Ave 0.40mi 2/1.0 832 (-1%) 1mo $180,000 $216 79
725 Pierce Ave 0.17mi 2/1.0 754 (-10%) 9mo $170,000 $225 67
579 Westphal Ave 0.37mi 2/1.0 781 (-7%) 6mo $92,999 $119 66
791 Westphal Ave 0.07mi 3/1.0 (+1) 916 (+9%) 16mo $157,000 $171 64
4668 Louise Ave 0.51mi 2/1.0 832 (-1%) 14mo $187,000 $225 63
772 Erickson Ave 0.13mi 3/1.0 (+1) 754 (-10%) 14mo $170,000 $225 60
1193 Marble Dr 0.67mi 3/1.0 (+1) 912 (+9%) 2mo $185,000 $203 48
1195 Huntly Dr 0.56mi 3/2.0 (+1) 912 (+9%) 4mo $230,000 $252 47
1211 Shady Lane Rd 0.72mi 3/1.0 (+1) 912 (+9%) 1mo $169,900 $186 46
1243 Simpson Dr 0.66mi 3/2.0 (+1) 912 (+9%) 1mo $200,000 $219 45
4154 Seigman Ave 0.66mi 3/1.0 (+1) 936 (+11%) 7mo $200,000 $214 40
3935 E Mound St 0.66mi 3/1.0 (+1) 961 (+14%) 4mo $182,500 $190 37

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 2.29% rent growth · sell at horizon

5-year hold
IRR
-12.0%
Equity multiple
0.57×
Total profit
$-15,725
Equity at exit
$19,369
10-year hold
IRR
-4.0%
Equity multiple
0.75×
Total profit
$-9,233
Equity at exit
$11,231

Cash invested: $36,372 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
73 Landlord-Friendly
State Ohio
73 Landlord-Friendly · R+6
County
— inherits STATE
City
— inherits STATE
3-day notice; Cleveland / Columbus have some habitability code enforcement; otherwise landlord-leaning.

ZIP-level market 43213

Rents YoY
2.3%
Active inventory
67
Price-to-rent
8.8×

Monthly cashflow live

Estimated rent
$1,234 high interval (Pro) →
Mortgage (P&I)
$681
Tax from tax record
$143 /mo · $1,711/yr
Insurance
$54
HOA
$0
Vacancy / Maint / Mgmt
$259
Net cashflow
$97

Break-even live

Break-even rent $1,111
Max offer price $129,900
Occupancy floor 87%

Sensitivity live

Price -10% $171 -5% $134 +0% $97 +5% $60 +10% $24
Rent -10% $0 -5% $48 +0% $97 +5% $146 +10% $195
Rate -1.0pp $163 -0.5pp $130 base $97 +0.5pp $64 +1.0pp $29

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
$32,475
Closing costs
$3,897
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 40 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
4163 Wright Park Columbus, OH 2.0 2.0 1008 $1,750 $1.74 45d 1 0.33mi
685-687 Valerie Ln Whitehall, OH 2.0 1.0 800 $1,153 $1.44 45d 1 0.50mi
3974 Andrus Ct E Unit 3996C Columbus, OH 2.0 1.5 950 $1,185 $1.25 25d 1 0.50mi
3974 Andrus Ct E Unit 3982D Columbus, OH 2.0 1.5 950 $1,285 $1.35 25d 1 0.50mi
3974 Andrus Ave Columbus, OH 2.0 1.5 950 $1,235 $1.30 25d 3 0.53mi
1250 Kelburn Rd Columbus, OH 2.0 1.0 970 $1,099 $1.13 45d 1 0.57mi
1250 Kelburn Rd Columbus, OH 2.0 1.0 970 $1,200 $1.24 14d 1 0.57mi
1250 Kelburn Rd Columbus, OH 2.0 1.0 970 $1,099 $1.13 23d 1 0.57mi
496 S Hamilton Rd Whitehall, OH 1.0–2.0 1.0 663 $850 $1.28 25d 4 0.70mi
381 S Yearling Rd Unit 381 Yearling Whitehall, OH 3.0 1.0 850 $1,095 $1.29 25d 1 0.73mi
973 Exeter Rd Columbus, OH 3.0 1.0 1054 $1,710 $1.62 45d 1 0.82mi
4048 E Livingston Ave Columbus, OH 3.0 1.0 961 $1,000 $1.04 21d 1 0.84mi
406 Beechtree Rd Whitehall, OH 3.0 1.0 950 $1,300 $1.37 25d 1 0.90mi
1303 Dellwood Ave Columbus, OH 3.0 1.0 900 $1,500 $1.67 45d 1 0.90mi
1462 Elaine Rd Columbus, OH 2.0 1.5 975 $1,324 $1.36 25d 1 0.91mi
280 Barkley Pl W Columbus, OH 2.0 1.5 1077 $1,362 $1.26 45d 1 0.96mi
1537 Duffield Dr Columbus, OH 3.0 2.0 1020 $1,500 $1.47 45d 1 0.96mi
1246 Arkwood Ave Columbus, OH 3.0 1.0 1094 $1,740 $1.59 45d 1 0.96mi
4056 Carlton Ave Columbus, OH 2.0 1.5 1100 $1,250 $1.14 25d 1 1.09mi
3566 E Main St Whitehall, OH 1.0 1.0 575 $795 $1.38 46d 1 1.11mi
3566 E Main St Whitehall, OH 1.0 1.0 575 $795 $1.38 45d 1 1.11mi
3566 E Main St Unit A15 Whitehall, OH 1.0 1.0 575 $795 $1.38 25d 1 1.11mi
3540 E Main St Columbus, OH 2.0 1.0 914 $1,074 $1.18 5d 5 1.16mi
1256 Rand Ave Columbus, OH 2.0 1.0 967 $1,299 $1.34 45d 1 1.21mi
3632 Cushing Dr Unit B Columbus, OH 2.0 1.0 900 $950 $1.06 21d 1 1.24mi
3632 Cushing Dr Unit D Columbus, OH 2.0 1.0 950 $1,050 $1.11 17d 1 1.24mi
3632 Cushing Dr Columbus, OH 2.0 1.0 950 $1,050 $1.11 14d 1 1.24mi
3600 Cushing Dr Unit C Columbus, OH 2.0 1.0 810 $900 $1.11 45d 1 1.27mi
1705 Carstare Dr Columbus, OH 2.0 1.5 720 $950 $1.32 45d 1 1.28mi
3605 Cushing Dr Unit A Columbus, OH 2.0 1.0 900 $815 $0.91 12d 1 1.28mi
4264 E Broad St Columbus, OH 1.0 1.0 484 $905 $1.87 3d 15 1.29mi
802 Ruby Ave Columbus, OH 3.0 2.0 1004 $1,875 $1.87 45d 1 1.29mi
1718 Carstare Dr Columbus, OH 2.0 1.5 720 $950 $1.32 45d 1 1.29mi
4657 E Broad St Columbus, OH 1.0–2.0 1.0–2.0 850 $1,667 $1.96 4d 48 1.30mi
892 Ruby Ave Columbus, OH 2.0 2.0 1100 $1,500 $1.36 45d 1 1.31mi
393 Barnett Rd Columbus, OH 2.0 1.5 840 $975 $1.16 25d 1 1.35mi
849 Byron Ave Columbus, OH 3.0 1.5 936 $1,400 $1.50 9d 1 1.38mi
1789 Elaine Rd Columbus, OH 2.0 1.5 960 $1,270 $1.32 3d 2 1.38mi
416 S Weyant Ave Columbus, OH 2.0 1.0 720 $1,149 $1.60 25d 1 1.43mi
914 S Weyant Ave Columbus, OH 3.0 1.5 1089 $1,099 $1.01 19d 1 1.45mi

Listing history 44 events

  1. 2026-06-21
    statusdays on market $129,900 Pending 57 DOM
  2. 2026-06-18
    days on market $129,900 Active 55 DOM
  3. 2026-06-17
    days on market $129,900 Active 54 DOM
  4. 2026-06-16
    days on market $129,900 Active 53 DOM
  5. 2026-06-15
    days on market $129,900 Active 52 DOM
  6. 2026-06-13
    days on market $129,900 Active 50 DOM
  7. 2026-06-13
    days on market $129,900 Active 49 DOM
  8. 2026-06-09
    days on market $129,900 Active 46 DOM
  9. 2026-06-08
    days on market $129,900 Active 45 DOM
  10. 2026-06-07
    pricedays on market $129,900 Active 44 DOM
  11. 2026-06-05
    days on market $144,900 Active 41 DOM
  12. 2026-06-03
    days on market $144,900 Active 40 DOM
  13. 2026-06-02
    days on market $144,900 Active 39 DOM
  14. 2026-06-01
    days on market $144,900 Active 38 DOM
  15. 2026-05-31
    days on market $144,900 Active 37 DOM
  16. 2026-04-24
    listed $144,900 Active 404-char remark
  17. 2019-10-07
    soldstatus $136,000
  18. 2019-09-30
    soldstatus $68,000 Closed 539-char remark
    Show marketing remark (539 chars)

    Attention Investors! Adorable 2/1 Cottage with Spacious Family Room, Wood-Laminate and Ceramic Tile Flooring Throughout; New Air Conditioning, New Water Heater, Frigidaire Glass Top Stove, OTR Microwave, Dishwasher and Refrigerator Large Laundry Room, One (1) Car Garage; Private, Fenced Backyard with Mature Trees; Ceramic Tile in Kitchen with White Cabinets; Full Bath with Ceramic Tile Surround. Ceiling fans in Family and Kitchen, ceiling lights in bedrooms. Great Street Located near Shopping, Restaurants and Park. Home Warranty Inc.

  19. 2019-09-17
    status Pending 539-char remark
    Show marketing remark (539 chars)

    Attention Investors! Adorable 2/1 Cottage with Spacious Family Room, Wood-Laminate and Ceramic Tile Flooring Throughout; New Air Conditioning, New Water Heater, Frigidaire Glass Top Stove, OTR Microwave, Dishwasher and Refrigerator Large Laundry Room, One (1) Car Garage; Private, Fenced Backyard with Mature Trees; Ceramic Tile in Kitchen with White Cabinets; Full Bath with Ceramic Tile Surround. Ceiling fans in Family and Kitchen, ceiling lights in bedrooms. Great Street Located near Shopping, Restaurants and Park. Home Warranty Inc.

  20. 2019-09-17
    price $67,000 539-char remark
    Show marketing remark (539 chars)

    Attention Investors! Adorable 2/1 Cottage with Spacious Family Room, Wood-Laminate and Ceramic Tile Flooring Throughout; New Air Conditioning, New Water Heater, Frigidaire Glass Top Stove, OTR Microwave, Dishwasher and Refrigerator Large Laundry Room, One (1) Car Garage; Private, Fenced Backyard with Mature Trees; Ceramic Tile in Kitchen with White Cabinets; Full Bath with Ceramic Tile Surround. Ceiling fans in Family and Kitchen, ceiling lights in bedrooms. Great Street Located near Shopping, Restaurants and Park. Home Warranty Inc.

  21. 2019-09-17
    status Active 539-char remark
    Show marketing remark (539 chars)

    Attention Investors! Adorable 2/1 Cottage with Spacious Family Room, Wood-Laminate and Ceramic Tile Flooring Throughout; New Air Conditioning, New Water Heater, Frigidaire Glass Top Stove, OTR Microwave, Dishwasher and Refrigerator Large Laundry Room, One (1) Car Garage; Private, Fenced Backyard with Mature Trees; Ceramic Tile in Kitchen with White Cabinets; Full Bath with Ceramic Tile Surround. Ceiling fans in Family and Kitchen, ceiling lights in bedrooms. Great Street Located near Shopping, Restaurants and Park. Home Warranty Inc.

  22. 2019-08-30
    historical Contingent Finance and Inspection 539-char remark
    Show marketing remark (539 chars)

    Attention Investors! Adorable 2/1 Cottage with Spacious Family Room, Wood-Laminate and Ceramic Tile Flooring Throughout; New Air Conditioning, New Water Heater, Frigidaire Glass Top Stove, OTR Microwave, Dishwasher and Refrigerator Large Laundry Room, One (1) Car Garage; Private, Fenced Backyard with Mature Trees; Ceramic Tile in Kitchen with White Cabinets; Full Bath with Ceramic Tile Surround. Ceiling fans in Family and Kitchen, ceiling lights in bedrooms. Great Street Located near Shopping, Restaurants and Park. Home Warranty Inc.

  23. 2019-08-30
    historical 539-char remark
    Show marketing remark (539 chars)

    Attention Investors! Adorable 2/1 Cottage with Spacious Family Room, Wood-Laminate and Ceramic Tile Flooring Throughout; New Air Conditioning, New Water Heater, Frigidaire Glass Top Stove, OTR Microwave, Dishwasher and Refrigerator Large Laundry Room, One (1) Car Garage; Private, Fenced Backyard with Mature Trees; Ceramic Tile in Kitchen with White Cabinets; Full Bath with Ceramic Tile Surround. Ceiling fans in Family and Kitchen, ceiling lights in bedrooms. Great Street Located near Shopping, Restaurants and Park. Home Warranty Inc.

  24. 2019-08-22
    status Active 539-char remark
    Show marketing remark (539 chars)

    Attention Investors! Adorable 2/1 Cottage with Spacious Family Room, Wood-Laminate and Ceramic Tile Flooring Throughout; New Air Conditioning, New Water Heater, Frigidaire Glass Top Stove, OTR Microwave, Dishwasher and Refrigerator Large Laundry Room, One (1) Car Garage; Private, Fenced Backyard with Mature Trees; Ceramic Tile in Kitchen with White Cabinets; Full Bath with Ceramic Tile Surround. Ceiling fans in Family and Kitchen, ceiling lights in bedrooms. Great Street Located near Shopping, Restaurants and Park. Home Warranty Inc.

  25. 2019-08-22
    historical 539-char remark
    Show marketing remark (539 chars)

    Attention Investors! Adorable 2/1 Cottage with Spacious Family Room, Wood-Laminate and Ceramic Tile Flooring Throughout; New Air Conditioning, New Water Heater, Frigidaire Glass Top Stove, OTR Microwave, Dishwasher and Refrigerator Large Laundry Room, One (1) Car Garage; Private, Fenced Backyard with Mature Trees; Ceramic Tile in Kitchen with White Cabinets; Full Bath with Ceramic Tile Surround. Ceiling fans in Family and Kitchen, ceiling lights in bedrooms. Great Street Located near Shopping, Restaurants and Park. Home Warranty Inc.

  26. 2019-08-21
    listed $74,900 Active 539-char remark
    Show marketing remark (539 chars)

    Attention Investors! Adorable 2/1 Cottage with Spacious Family Room, Wood-Laminate and Ceramic Tile Flooring Throughout; New Air Conditioning, New Water Heater, Frigidaire Glass Top Stove, OTR Microwave, Dishwasher and Refrigerator Large Laundry Room, One (1) Car Garage; Private, Fenced Backyard with Mature Trees; Ceramic Tile in Kitchen with White Cabinets; Full Bath with Ceramic Tile Surround. Ceiling fans in Family and Kitchen, ceiling lights in bedrooms. Great Street Located near Shopping, Restaurants and Park. Home Warranty Inc.

  27. 2019-08-12
    historical
  28. 2019-08-07
    status Active
  29. 2019-07-11
    historical Contingent Finance and Inspection
  30. 2019-07-10
    status Active
  31. 2019-07-08
    historical
  32. 2019-07-02
    price $89,900
  33. 2019-06-26
    price $94,900
  34. 2019-06-20
    status Active
  35. 2019-06-16
    historical
  36. 2019-06-11
    listed $99,900 Active
  37. 2013-01-29
    soldstatus $17,000
  38. 2013-01-09
    historical
  39. 2012-12-06
    listed $19,900
  40. 2006-08-27
    historical
  41. 2005-10-24
    listed $59,750
  42. 1999-04-17
    historical
  43. 1998-11-05
    listed $56,900
  44. 1985-12-03
    soldstatus $30,000

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

Tax reassessment forecast OH · Partial reset (capped growth)

Current annual tax
$1,711 · $143/mo
Projected year-2 tax
$1,869 · $156/mo
Expected delta
+$158/yr (+$13/mo · 9.2%)

ⓘ 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 ≥99°F today · 18 d/yr by 30 yrs out
  • 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$14,813
− Mortgage interest
−$7,276
− Property taxes
−$1,711
− Insurance
−$650
− Repairs & maintenance
−$1,185
− Management
−$1,185
− Depreciation
−$3,779
Taxable loss
−$973
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$234
After-tax cash flow
$1,401/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
Whitehall City
NCES district ID
3904507
Math proficiency
18% ▼ -17.00%
Reading proficiency
33% ▼ -11.00%
Median HH income
$36,092
Composite
21.08/100
National rank
#8442
State rank
#603 of 656 in OH

Livability — Whitehall

Score
71/100
State rank
#399
US rank
#6587

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Whitehall, OH
County
Franklin County · 1,351,780 people
City population
36,273
Metro
Columbus, OH
Population (ZIP)
36,273
Household income
$54,704
Rent vs Own
59.4% rent · 40.6% own
Severe rent burden
2583.0

Population outlook (Franklin County) Hauer SSP2

Today (2025)
1,456,139 people
By 2030
1,556,890 · +6.9%
By 2040
1,757,349 · +20.7%
By 2050
1,950,539 · +34.0%
By 2075
2,376,171 · +63.2%
By 2100
2,636,796 · +81.1%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.66)
Race & ethnicity
Black 45% White 36% Hispanic / Latino 10% Two or more races 9% Asian 3%
Hispanic origin (detail)
Mexican 4% Puerto Rican 2%
Common ancestry
Romanian 2% Slovak 1% Lithuanian 1%
Foreign-born
15% · Canada, China
Languages at home
79% English-only · Spanish 8% Other Indo-European 1% French/Haitian/Cajun 1%

Political lean MEDSL · Franklin

2024 margin
Strong D (+28.4) · D 63.7% · R 35.3% · Other 1.0%
2008→2024 swing
+7.7pp toward D · 2008: 20.7pp · 2024: 28.4pp
All cycles
2024: D+28.4 2020: D+31.4 2016: D+25.9 2012: D+21.7 2008: D+20.7

Not yet ingested

Civics

Market trends

HPI YoY
▼ -243.35%
Current HPI
198.5072
Rent YoY
▲ 2.29%
Metro
Columbus, OH
State GDP YoY
▲ 1.98%
F500 in state
48

Industry mix (Fortune 500 HQ in OH)

Industry F500 HQs Revenue

Price history

+333.0% since first listed
30 events — show timeline
  • 2026-06-05 Price Changed $129,900 CBRMLS
  • 2026-04-24 Listed $144,900 CBRMLS
  • 2019-10-07 Sold (Public Records) $136,000 Public Records
  • 2019-09-30 Sold (MLS) $68,000 CBRMLS
  • 2019-09-17 Pending CBRMLS
  • 2019-09-17 Price Changed $67,000 CBRMLS
  • 2019-09-17 Relisted CBRMLS
  • 2019-08-30 Contingent CBRMLS
  • 2019-08-30 Listing Removed CBRMLS
  • 2019-08-22 Relisted CBRMLS
  • 2019-08-22 Listing Removed CBRMLS
  • 2019-08-21 Listed $74,900 CBRMLS
  • 2019-08-12 Listing Removed CBRMLS
  • 2019-08-07 Relisted CBRMLS
  • 2019-07-11 Contingent CBRMLS
  • 2019-07-10 Relisted CBRMLS
  • 2019-07-08 Listing Removed CBRMLS
  • 2019-07-02 Price Changed $89,900 CBRMLS
  • 2019-06-26 Price Changed $94,900 CBRMLS
  • 2019-06-20 Relisted CBRMLS
  • 2019-06-16 Listing Removed CBRMLS
  • 2019-06-11 Listed $99,900 CBRMLS
  • 2013-01-29 Sold (MLS) $17,000 CBRMLS
  • 2013-01-09 Listing Removed CBRMLS
  • 2012-12-06 Listed $19,900 CBRMLS
  • 2006-08-27 Listing Removed CBRMLS
  • 2005-10-24 Listed $59,750 CBRMLS
  • 1999-04-17 Listing Removed CBRMLS
  • 1998-11-05 Listed $56,900 CBRMLS
  • 1985-12-03 Sold (Public Records) $30,000 Public Records

Property tax history

+5.2%/yr

Latest (2024): $1,711 · +0.7% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…