26 Jefferson St · Elim, PA 15905

$94,900

3 bd · 2.0 ba · 1,344 sqft · SingleFamily · 5 Days on market

Built 1930 4,792 sqft lot Est $112k · 15% under

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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 +20.9/30.0
• ARV discount +14.2/15.0
• DSCR +6.7/10.0
• 1% rule +5.5/10.0
• Schools +3.9/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Move right into this 3 bedroom home located in the Westmont School District. Taxes total $1,329! This property has newer siding, boiler, roof and windows. The home is the last property located on a no outlet street. Beautiful views of Roxbury park. 1 Car integral garage and plenty of off street parking. New gas fireplace. All appliances included in the sale. Call for your personal tour today!

Key facts

• Ceiling fan
• Ceramic floors
• Gas fireplace

Tags

• HARDWOOD FLOORS
• GAS FIREPLACE
• CEILING FAN
• CERAMIC FLOORS
• CERAMIC BACKSPLASH
• UNDER CABINET LIGHTING

Property features AI

Exterior

• Parking: Detached garage with 1 garage space; Off-street parking; Concrete driveway; Garage door opener
• Utilities: Public water; Public sewer; Cable available
• Home design: Single-family residence (residential); Two levels / 2 stories
• Construction: Vinyl siding and block construction; Shingle roof
• Exterior features: Covered porch; Patio/porch; Rectangular lot; Public maintained road frontage on a city street

Interior

• Kitchen: Range; Oven; Refrigerator
• Flooring: Hardwood; Wood; Ceramic tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Hot water heating (natural gas); Ceiling fans for cooling
• Interior features: High-speed internet; Double-pane windows; Gas fireplace (1)
• Laundry & utility: Laundry in basement with utility sink; Full unfinished basement

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $95k.

Deal economics

• At list price, monthly cash flow is $133 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($994 rent vs $95k).

Location & tenants

• Location reads 67/100 on livability (#992 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: schools D+, amenities F, commute F.
• Westmont Hilltop SD (suburban): math 39% / reading 51% proficiency, ranked #252 of 539 in PA (top 47%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 92 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 83% of comp listings sitting > 30 days — soft ceiling on asking rent; 64 units permitted in Cambria County in 2024 (0 in 5+ unit buildings).
• This rent is only 17% of the median local income ($69k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $656 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Cambria County population projected at -28% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 5 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 26y 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 $55k; list at $95k implies a 73% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1930 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $94,900

Questions for the listing agent

1. Built in 1930 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 1.05% ✓
• Cap rate: 7.97%
• Cash-on-cash: 6.00%
• DSCR: 1.27
• GRM: 8.0

CMA / ARV

• ARV (on-the-fly): $111,552
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1138 Shaffer St	0.49mi	3/2.0	1,358 (+1%)	6mo	$113,000	$83	70
1453 Franklin St	0.32mi	3/1.0	1,392 (+4%)	8mo	$76,500	$55	68
182 Watson St	0.39mi	2/1.5 (-1)	1,337 (-0%)	7mo	$114,000	$85	68
1492 Franklin St	0.40mi	3/1.0	1,248 (-7%)	1mo	$47,000	$38	65
105 Royal Ave	0.47mi	3/2.0	1,405 (+4%)	7mo	$165,000	$117	64
100 Donna Dr	0.58mi	4/2.0 (+1)	1,312 (-2%)	1mo	$115,000	$88	63
111 Ross	0.26mi	3/1.5	1,512 (+12%)	5mo	$125,000	$83	61
191 Hammer Ave	0.41mi	3/1.5	1,232 (-8%)	10mo	$57,500	$47	57
225 Sell St	0.20mi	2/1.5 (-1)	1,159 (-14%)	8mo	$39,500	$34	54
1520 Ferndale Ave	0.59mi	3/1.0	1,520 (+13%)	4mo	$70,000	$46	44
110 Alberta Ave	0.72mi	3/2.0	1,545 (+15%)	1mo	$215,000	$139	41
394 Plainfield Ave	0.63mi	2/1.0 (-1)	1,150 (-14%)	2mo	$27,900	$24	36

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -7.0%
• Equity multiple: 0.74×
• Total profit: $-6,907
• Equity at exit: $14,150

10-year hold

• IRR: 2.6%
• Equity multiple: 1.19×
• Total profit: $4,929
• Equity at exit: $8,205

Cash invested: $26,572 (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 15905

• Home prices YoY: -31.1%
• Active inventory: 92
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $994 high
• Mortgage (P&I): −$498
• Tax from tax record: −$115 /mo · $1,381/yr
• Insurance: −$40
• HOA: −$0
• Vacancy / Maint / Mgmt: −$209
• Net cashflow: $133

Break-even live

Break-even rent $826

Max offer price $94,900

Occupancy floor 82%

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: $23,725
• Closing costs: $2,847
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
129-131 Plainfield Ave Johnstown, PA	3.0	1.0	1300	$850	$0.65	43d	1	0.35mi
522 Vickroy Ave Johnstown, PA	3.0	1.0	1125	$850	$0.76	43d	1	0.79mi
550 Ferndale Ave Johnstown, PA	3.0	1.0	1300	$1,100	$0.85	43d	1	0.84mi
553 Vickroy Ave #555 Johnstown, PA	3.0	1.0	1300	$985	$0.76	43d	1	0.85mi
619 Grove Ave Johnstown, PA	2.0	2.0	1100	$1,050	$0.95	43d	1	0.98mi
212-214 Palliser St Johnstown, PA	3.0	1.0	1400	$1,150	$0.82	23d	1	1.47mi

Listing history 11 events

1. 2026-06-05
   status $94,900 Pending 5 DOM
2. 2026-06-03
   days on market $94,900 Active 5 DOM
3. 2026-06-02
   days on market $94,900 Active 4 DOM
4. 2026-06-01
   days on market $94,900 Active 3 DOM
5. 2026-05-31
   days on market $94,900 Active 2 DOM
6. 2026-05-28
   listed $94,900 Active
7. 2016-02-26
   soldstatus $55,000 395-char remark

   Show marketing remark (395 chars)

   Move right into this 3 bedroom home located in the Westmont School District. Taxes total $1,329! This property has newer siding, boiler, roof and windows. The home is the last property located on a no outlet street. Beautiful views of Roxbury park. 1 Car integral garage and plenty of off street parking. New gas fireplace. All appliances included in the sale. Call for your personal tour today!

8. 2016-02-03
   soldstatus $55,000
9. 2000-10-27
   soldstatus $43,300 385-char remark

   Show marketing remark (385 chars)

   * Up Franklin, turn right onto Southmont Blvd. Make 1st left onto Roxbury Ave. to park. Turn right and then left. Jefferson is to the right across from park. Home on lefthand side at top. * Enjoy the view and activities of the park from the patio of this vinyl and cedar 2 story. New siding, roof, soffit and facia. Terraced yard. Inside is freshly painted. No showings till Sept. 1.

10. 2000-10-25
    soldstatus $43,300
11. 2000-08-11
    listed $49,900 385-char remark

    Show marketing remark (385 chars)

    * Up Franklin, turn right onto Southmont Blvd. Make 1st left onto Roxbury Ave. to park. Turn right and then left. Jefferson is to the right across from park. Home on lefthand side at top. * Enjoy the view and activities of the park from the patio of this vinyl and cedar 2 story. New siding, roof, soffit and facia. Terraced yard. Inside is freshly painted. No showings till Sept. 1.

ⓘ 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: $1,381 · $115/mo
• Projected year-2 tax: $1,440 · $120/mo
• Expected delta: +$59/yr (+$5/mo · 4.3%)

ⓘ 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 3/10 Moderate 7 d/yr ≥93°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $11,926
• − Mortgage interest: −$5,316
• − Property taxes: −$1,381
• − Insurance: −$474
• − Repairs & maintenance: −$954
• − Management: −$954
• − Depreciation: −$2,761
• Taxable income: $85
• Est. tax owed @ 24.0%: −$20
• After-tax cash flow: $1,573/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: Westmont Hilltop SD
• NCES district ID: 4226130
• Math proficiency: 39% ▼ -10.00%
• Reading proficiency: 51% ▼ -15.00%
• Median HH income: $59,325
• Composite: 39.49/100
• National rank: #3955
• State rank: #252 of 539 in PA

Livability — Elim

• Score: 67/100
• State rank: #992
• US rank: #10931

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Elim, PA
• County: Cambria County · 30,791 people
• Metro: Johnstown, PA
• Population (ZIP): 19,329
• Household income: $69,212
• Rent vs Own: 21.4% rent · 78.6% own
• Severe rent burden: 359.0

Population outlook (Cambria County) Hauer SSP2

• Today (2025): 122,754 people
• By 2030: 115,827 · -5.6%
• By 2040: 101,309 · -17.5%
• By 2050: 88,379 · -28.0%
• By 2075: 65,237 · -46.9%
• By 2100: 46,909 · -61.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (92%)
• Race & ethnicity: White 92% Two or more races 3% Hispanic / Latino 2% Black 2%
• Common ancestry: Romanian 7% Scotch-Irish 1% Italian 1%
• Foreign-born: 2% · Canada
• Languages at home: 96% English-only · Spanish 1%

Political lean MEDSL · Cambria

• 2024 margin: Solid R (+39.7) · D 29.8% · R 69.5%
• 2008→2024 swing: -40.4pp toward R · 2008: 0.7pp · 2024: -39.7pp
• All cycles: 2024: R+39.7 2020: R+37.3 2016: R+37.8 2012: R+17.8 2008: D+0.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -64.18%
• Current HPI: 142.5218
• Rent YoY: —
• Metro: Johnstown, PA
• 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

+90.2% since first listed

6 events — show timeline

• 2026-05-28 Listed $94,900 CSMLS
• 2016-02-26 Sold (MLS) $55,000 CSMLS
• 2016-02-03 Sold (Public Records) $55,000 Public Records
• 2000-10-27 Sold (MLS) $43,300 CSMLS
• 2000-10-25 Sold (Public Records) $43,300 Public Records
• 2000-08-11 Listed $49,900 CSMLS

Property tax history

+0.3%/yr

Latest (2026): $1,381 · +0.0% YoY. Source: county tax records.