6681 Somerset St · Rutherford, PA 17111

$365,000

4 bd · 1.5 ba · 3,186 sqft · SingleFamily public records · 155 Days on market

Built 1970 8,276 sqft lot $115/sqft · 32% below area Est $490k · 26% under

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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).

• ARV discount +15.0/15.0
• Cash flow +7.7/30.0
• Schools +3.6/10.0
• Rent growth +3.4/5.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• DSCR +1.8/10.0
• 1% rule +1.6/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

This home is a must see! Updated kitchen , and updated floors. Offering 5 bedrooms and 2 1/2baths, and a relaxing sunroom. The living room with fireplace will make it more like home. 2 bedrooms on first and second floor both with a full bath. Large partially finished basement with laundry room, and half bath, could be separate living quarters. Solar panels on the roof. Fenced in backyard, and new roof on house and garage, new windows, and new exterior doors. The detached 3 car garage with space above, make this house a must see. Seller would prefer Cash or Conventional loan, sold as-is

Key facts

• Updated floors
• Updated kitchen
• Solar panels

Tags

• UPDATED KITCHEN
• UPDATED FLOORS
• RELAXING SUNROOM
• LIVING ROOM WITH FIREPLACE
• PARTIALLY FINISHED BASEMENT
• SOLAR PANELS

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath single-family listed at $365k.

Deal economics

• At list price, monthly cash flow is $-421 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $291k (20.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $242k (33.6% below list).
• Recommended offer: $242k (33.6% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 67/100 on livability (#1,007 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, employment A-; Watch: schools D-, amenities F, commute F.
• Central Dauphin SD (suburban): math 30% / reading 52% proficiency, ranked #305 of 539 in PA (top 57%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising (+3.8%/yr); 178 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 540 units permitted in Dauphin County in 2024 (194 in 5+ unit buildings).
• This rent runs 34% of the median local income ($86k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $11k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 155 days — a 12% lower offer ($321k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 16y 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 $180k; list at $365k implies a 103% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $242,326 (33.6% 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. It's been on market 155 days. Have you received any prior offers? Is the seller open to a 34% concession, seller financing, or rate buy-down credit?
3. Built in 1970 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.66% ✗
• Cap rate: 4.91%
• Cash-on-cash: -4.94%
• DSCR: 0.78
• GRM: 12.6

CMA / ARV

• ARV (median comp): $490,217
• List price: $365,000
• Delta: -25.54%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7035 Woodsman Dr	0.67mi	4/3.5	3,206 (+1%)	6mo	$540,000	$168	55
7094 Creek Crossing Dr	0.35mi	5/3.0 (+1)	3,448 (+8%)	6mo	$562,500	$163	54
7038 Woodsman Dr	0.64mi	4/2.5	3,412 (+7%)	10mo	$534,900	$157	46
7078 Creek Crossing Dr	0.48mi	4/2.5	2,742 (-14%)	24mo	$502,000	$183	30
7030 Beech Tree Dr	0.70mi	4/2.5	2,708 (-15%)	10mo	$500,000	$185	30
7037 Beech Tree Dr	0.55mi	4/2.5	2,750 (-14%)	23mo	$535,000	$195	29
7029 Beech Tree Dr	0.64mi	4/3.5	2,710 (-15%)	10mo	$505,000	$186	29

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 · 3.76% rent growth · sell at horizon

5-year hold

• IRR: -24.0%
• Equity multiple: 0.18×
• Total profit: $-84,170
• Equity at exit: $54,423

10-year hold

• IRR: -17.4%
• Equity multiple: 0.02×
• Total profit: $-100,358
• Equity at exit: $31,559

Cash invested: $102,200 (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 17111

• Rents YoY: 3.8%
• Active inventory: 178
• Price-to-rent: 12.6×

Monthly cashflow live

• Estimated rent: $2,423 medium
• Mortgage (P&I): −$1,914
• Tax from tax record: −$269 /mo · $3,230/yr
• Insurance: −$152
• HOA: −$0
• Vacancy / Maint / Mgmt: −$509
• Net cashflow: $-421

Break-even live

Break-even rent $2,956

Max offer price $290,630

Occupancy floor —

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: $91,250
• Closing costs: $10,950
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6226 Lehigh Ave Harrisburg, PA	4.0	4.0	2128	$2,975	$1.40	14d	1	0.53mi

Listing history 22 events

1. 2026-06-10
   days on market $365,000 Active 155 DOM
2. 2026-06-09
   days on market $365,000 Active 154 DOM
3. 2026-06-08
   days on market $365,000 Active 153 DOM
4. 2026-06-07
   days on market $365,000 Active 152 DOM
5. 2026-06-05
   days on market $365,000 Active 149 DOM
6. 2026-06-03
   days on market $365,000 Active 148 DOM
7. 2026-06-02
   days on market $365,000 Active 147 DOM
8. 2026-06-01
   days on market $365,000 Active 146 DOM
9. 2026-05-31
   days on market $365,000 Active 145 DOM
10. 2026-05-31
    days on market $365,000 Active 144 DOM
11. 2026-04-07
    status Active 592-char remark

    Show marketing remark (592 chars)

    This home is a must see! Updated kitchen , and updated floors. Offering 5 bedrooms and 2 1/2baths, and a relaxing sunroom. The living room with fireplace will make it more like home. 2 bedrooms on first and second floor both with a full bath. Large partially finished basement with laundry room, and half bath, could be separate living quarters. Solar panels on the roof. Fenced in backyard, and new roof on house and garage, new windows, and new exterior doors. The detached 3 car garage with space above, make this house a must see. Seller would prefer Cash or Conventional loan, sold as-is

12. 2026-03-18
    status Pending 592-char remark

    Show marketing remark (592 chars)

    This home is a must see! Updated kitchen , and updated floors. Offering 5 bedrooms and 2 1/2baths, and a relaxing sunroom. The living room with fireplace will make it more like home. 2 bedrooms on first and second floor both with a full bath. Large partially finished basement with laundry room, and half bath, could be separate living quarters. Solar panels on the roof. Fenced in backyard, and new roof on house and garage, new windows, and new exterior doors. The detached 3 car garage with space above, make this house a must see. Seller would prefer Cash or Conventional loan, sold as-is

13. 2025-12-17
    listed $365,000 Active 592-char remark

    Show marketing remark (592 chars)

    This home is a must see! Updated kitchen , and updated floors. Offering 5 bedrooms and 2 1/2baths, and a relaxing sunroom. The living room with fireplace will make it more like home. 2 bedrooms on first and second floor both with a full bath. Large partially finished basement with laundry room, and half bath, could be separate living quarters. Solar panels on the roof. Fenced in backyard, and new roof on house and garage, new windows, and new exterior doors. The detached 3 car garage with space above, make this house a must see. Seller would prefer Cash or Conventional loan, sold as-is

14. 2017-03-05
    historical
15. 2017-02-22
    soldstatus $179,500
16. 2017-02-17
    soldstatus $179,500
17. 2016-11-01
    listed $179,500
18. 2016-09-05
    listed $184,000
19. 2011-02-04
    soldstatus $150,000
20. 2011-01-31
    soldstatus $150,000
21. 2011-01-06
    historical
22. 2010-03-24
    listed $179,900

ⓘ 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: $3,230 · $269/mo
• Projected year-2 tax: $4,499 · $375/mo
• Expected delta: +$1,268/yr (+$106/mo · 39.3%)

ⓘ 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 5/10 Major 7 d/yr ≥100°F today · 15 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 7% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $29,079
• − Mortgage interest: −$20,446
• − Property taxes: −$3,230
• − Insurance: −$1,825
• − Repairs & maintenance: −$2,326
• − Management: −$2,326
• − Depreciation: −$10,618
• Taxable loss: −$11,693
• Est. tax savings @ 24.0%: +$2,806
• After-tax cash flow: $-2,246/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: Central Dauphin SD
• NCES district ID: 4205400
• Math proficiency: 30% ▼ -12.00%
• Reading proficiency: 52% ▼ -7.00%
• Median HH income: $62,792
• Composite: 36.46/100
• National rank: #4664
• State rank: #305 of 539 in PA

Livability — Rutherford

• Score: 67/100
• State rank: #1007
• US rank: #11116

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Rutherford, PA
• County: Dauphin County · 247,857 people
• City population: 35,818
• Metro: Harrisburg-Carlisle, PA
• Population (ZIP): 36,744
• Household income: $86,385
• Rent vs Own: 33.5% rent · 66.5% own
• Severe rent burden: 756.0

Population outlook (Dauphin County) Hauer SSP2

• Today (2025): 281,628 people
• By 2030: 283,549 · +0.7%
• By 2040: 285,385 · +1.3%
• By 2050: 286,188 · +1.6%
• By 2075: 291,053 · +3.3%
• By 2100: 282,374 · +0.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.65)
• Race & ethnicity: White 53% Black 22% Asian 13% Hispanic / Latino 8% Two or more races 6%
• Hispanic origin (detail): Mexican 1% Puerto Rican 4%
• Common ancestry: Romanian 4% Lithuanian 1% Serbian 1%
• Foreign-born: 14% · India, Canada, Vietnam
• Languages at home: 83% English-only · Other Indo-European 7% Spanish 6% Vietnamese 1%

Political lean MEDSL · Dauphin

• 2024 margin: Lean D (+5.9) · D 52.4% · R 46.5% · Other 1.1%
• 2008→2024 swing: -3.1pp toward R · 2008: 9.1pp · 2024: 5.9pp
• All cycles: 2024: D+5.9 2020: D+8.5 2016: D+2.8 2012: D+6.0 2008: D+9.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -140.67%
• Current HPI: 236.6936
• Rent YoY: ▲ 3.76%
• Metro: Harrisburg-Carlisle, 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

+102.9% since first listed

12 events — show timeline

• 2026-04-07 Relisted — BRIGHT MLS
• 2026-03-18 Pending — BRIGHT MLS
• 2025-12-17 Listed $365,000 BRIGHT MLS
• 2017-03-05 Listing Removed — BRIGHT MLS
• 2017-02-22 Sold (Public Records) $179,500 Public Records
• 2017-02-17 Sold (MLS) $179,500 BRIGHT MLS
• 2016-11-01 Listed $179,500 BRIGHT MLS
• 2016-09-05 Listed $184,000 BRIGHT MLS
• 2011-02-04 Sold (Public Records) $150,000 Public Records
• 2011-01-31 Sold (MLS) $150,000 BRIGHT MLS
• 2011-01-06 Listing Removed — BRIGHT MLS
• 2010-03-24 Listed $179,900 BRIGHT MLS

Property tax history

+1.9%/yr

Latest (2026): $3,230 · +5.5% YoY. Source: county tax records.