310 W Jackson St · York, PA 17401

$150,000

4 bd · 1.5 ba · 1,296 sqft · Townhouse public records · 5 Days on market

Built 1927 3,049 sqft lot $116/sqft · 13% above area Est $159k · 6% 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).

• Cash flow +18.2/30.0
• ARV discount +10.1/15.0
• DSCR +5.7/10.0
• 1% rule +4.9/10.0
• Rent growth +4.1/5.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• Schools +0.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Excellent starter home by York College!! needs TLC to be a great home , * Fireplace in Livingroom, * Hd wood floors throughout * or could be great Investment property currently occupied by students could be relocated.

Key facts

• Fully occupied
• Turnkey opportunity
• Built 1927

Tags

• INCOME PRODUCING PROPERTY
• FULLY OCCUPIED
• PRIME LOCATION NEAR CAMPUS
• TURNKEY OPPORTUNITY
• GREAT INCOME POTENTIAL

Property features AI

Finance

• Other: Property manager present

Exterior

• Parking: Off-street parking
• Utilities: Public water; Public sewer; Natural gas heating
• Home design: Semi-detached; Fee simple ownership; Year built estimated
• Construction: Brick construction; Slab foundation
• Exterior features: Not in a federal flood zone; Above-grade and below-grade other structures

Interior

• Bedrooms: 5 bedrooms on the main level
• Bathrooms: 1 full bathroom on the main level; 1 half bathroom on the main level; Total: 1 full, 1 half
• Heating & cooling: Forced air heating; Natural gas hot water
• Interior features: Unfinished basement; Living area per assessor

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath townhouse listed at $150k.

Deal economics

• At list price, monthly cash flow is $134 ($2k/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 $149k (0.5% below list).
• Recommended offer: $149k (0.5% below list) — sets the bar for 1% rule.
• Cap rate 7.4% vs local median 5.0% in York — 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 75/100 on livability (#427 in PA, #3,987 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing A; Watch: amenities D+, crime F, employment F.
• York City SD (urban): math 4% / reading 16% proficiency, ranked #534 of 539 in PA (top 99%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 72% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Hannah Penn (math 0% / reading 9%, grade F, #1,516 of 1,518 statewide, top 100%, 679 students, 100% FRL); Edgar Fahs Smith Steam Academy (math 7% / reading 35%, grade F, #432 of 512 statewide, top 85%, 240 students, 100% FRL); William Penn Shs (math 22% / reading 8%, grade F, #407 of 437 statewide, top 94%, 1,534 students, 100% FRL) — zoned schools average 100% FRL vs 72% district-wide (28 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+6.4%/yr); 63 active listings in the ZIP; 29 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 41% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 1,328 units permitted in York County in 2024 (338 in 5+ unit buildings).
• This rent runs 42% of the median local income ($43k/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 $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.

Negotiation context

• Only 5 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 20y 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 $86k; list at $150k implies a 74% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1927 — expect roof / HVAC / electrical / plumbing capex.
• 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 $149,196 (0.5% below list)

Questions for the listing agent

1. Built in 1927 — 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. 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?
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: 0.99% ✗
• Cap rate: 7.36%
• Cash-on-cash: 3.82%
• DSCR: 1.17
• GRM: 8.4

CMA / ARV

• ARV (median comp): $159,019
• List price: $150,000
• Delta: -5.67%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
632 S Pershing Ave	0.23mi	3/1.0 (-1)	1,408 (+9%)	1mo	$202,000	$143	67
523 W Springettsbury Ave	0.27mi	3/1.0 (-1)	1,188 (-8%)	8mo	$189,500	$160	60
442 S Duke St	0.59mi	3/1.5 (-1)	1,342 (+4%)	2mo	$155,000	$115	60
522 Ludlow Ave	0.30mi	3/1.0 (-1)	1,408 (+9%)	6mo	$172,500	$123	59
47 E South St	0.62mi	3/1.0 (-1)	1,344 (+4%)	1mo	$150,000	$112	57
752 Mckenzie St	0.57mi	3/1.0 (-1)	1,216 (-6%)	1mo	$125,000	$103	56
223 W Cottage Pl	0.20mi	3/1.0 (-1)	1,480 (+14%)	8mo	$135,000	$91	54
631 Cleveland Ave	0.38mi	5/1.0 (+1)	1,432 (+10%)	7mo	$136,500	$95	52
478 W Princess St	0.61mi	3/2.0 (-1)	1,236 (-5%)	7mo	$110,000	$89	51
120 E Jackson St	0.55mi	3/1.0 (-1)	1,425 (+10%)	0mo	$130,000	$91	51
589 W Princess St	0.72mi	4/1.0	1,428 (+10%)	4mo	$175,000	$123	44
231 S West St	0.66mi	4/2.0	1,435 (+11%)	7mo	$187,000	$130	44

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 · 6.37% rent growth · sell at horizon

5-year hold

• IRR: -6.5%
• Equity multiple: 0.75×
• Total profit: $-10,526
• Equity at exit: $22,365

10-year hold

• IRR: 6.9%
• Equity multiple: 1.59×
• Total profit: $24,921
• Equity at exit: $12,969

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 17401

• Home prices YoY: -16.5%
• Rents YoY: 6.4%
• Active inventory: 63
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $1,492 high
• Mortgage (P&I): −$787
• Tax from tax record: −$196 /mo · $2,349/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$313
• Net cashflow: $134

Break-even live

Break-even rent $1,323

Max offer price $150,000

Occupancy floor 86%

Sensitivity live

Price	-10% $219	-5% $176	+0% $134	+5% $91	+10% $49
Rent	-10% $16	-5% $75	+0% $134	+5% $193	+10% $252
Rate	-1.0pp $209	-0.5pp $172	base $134	+0.5pp $95	+1.0pp $55

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 29 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
119 W Jackson St York, PA	4.0	1.0	1800	$1,395	$0.78	45d	1	0.27mi
537 W Jackson St York, PA	3.0	2.0	1795	$1,795	$1.00	15d	1	0.29mi
466 W College Ave York, PA	3.0	1.0	1068	$1,295	$1.21	45d	1	0.49mi
514 S Duke St York, PA	3.0	1.0	1289	$1,625	$1.26	22d	1	0.57mi
444 S Duke St York, PA	3.0	1.0	1200	$1,200	$1.00	45d	1	0.59mi
443 S Duke St York, PA	3.0	1.0	1028	$1,225	$1.19	45d	1	0.61mi
648 W College Ave York, PA	3.0	1.0	1100	$1,275	$1.16	45d	1	0.66mi
626 S Queen St York, PA	3.0	1.0	1526	$1,225	$0.80	22d	1	0.67mi
208 Liberty Ct York, PA	3.0	1.0	1096	$1,195	$1.09	45d	1	0.77mi
709 W Princess St York, PA	5.0	1.0	1829	$1,425	$0.78	45d	1	0.81mi
121 S Belvidere Ave Unit 121 York, PA	5.0	1.5	1846	$1,450	$0.79	45d	1	0.84mi
925 W College Ave York, PA	4.0	1.0	1660	$1,425	$0.86	15d	1	0.90mi
314 W Gay Ave York, PA	3.0	1.0	1060	$1,250	$1.18	22d	1	0.95mi
330 Smyser St York, PA	5.0	1.0	1634	$1,425	$0.87	45d	1	0.98mi
588 Company St York, PA	3.0	1.5	1416	$1,475	$1.04	45d	1	1.01mi
132 N West St York, PA	4.0	1.0	1560	$1,600	$1.03	15d	1	1.02mi
231 Roosevelt Ave York, PA	3.0	1.5	1584	$1,750	$1.10	15d	1	1.03mi
216 Park Pl York, PA	4.0	1.0	1192	$1,350	$1.13	15d	1	1.04mi
715 Vander Ave York, PA	3.0	1.0	1180	$1,295	$1.10	15d	1	1.05mi
289 Union St York, PA	4.0	1.0	1450	$1,600	$1.10	45d	1	1.09mi
339 E Market St Unit 1 York, PA	4.0	1.5	1600	$1,650	$1.03	22d	1	1.14mi
133 Stevens Ave York, PA	3.0	1.0	1200	$1,300	$1.08	45d	1	1.15mi
334 N Beaver St York, PA	3.0	1.0	1140	$1,050	$0.92	15d	1	1.18mi
231 Franklin Way York, PA	3.0	1.0	920	$1,195	$1.30	15d	1	1.20mi
428 Smith St York, PA	3.0	1.0	1522	$1,350	$0.89	15d	1	1.21mi
113 Arch St York, PA	4.0	1.0	1188	$1,200	$1.01	15d	1	1.31mi
631 Roosevelt Ave Unit 2 York, PA	3.0	1.0	1170	$1,150	$0.98	15d	1	1.36mi
446 Wallace St York, PA	3.0	1.0	1092	$1,295	$1.19	22d	1	1.38mi
720 Elm Ter York, PA	3.0	1.5	1200	$1,950	$1.62	22d	1	1.43mi

Listing history 8 events

1. 2026-05-09
   status Pending 841-char remark
2. 2026-05-04
   listed $150,000 Active 841-char remark
3. 2021-02-25
   soldstatus $86,325
4. 2006-12-29
   historical 219-char remark

   Show marketing remark (219 chars)

   Excellent starter home by York College!! needs TLC to be a great home , * Fireplace in Livingroom, * Hd wood floors throughout * or could be great Investment property currently occupied by students could be relocated.

5. 2006-11-28
   soldstatus $70,500
6. 2006-11-24
   soldstatus $72,500 219-char remark

   Show marketing remark (219 chars)

   Excellent starter home by York College!! needs TLC to be a great home , * Fireplace in Livingroom, * Hd wood floors throughout * or could be great Investment property currently occupied by students could be relocated.

7. 2006-10-17
   listed $70,500 219-char remark

   Show marketing remark (219 chars)

   Excellent starter home by York College!! needs TLC to be a great home , * Fireplace in Livingroom, * Hd wood floors throughout * or could be great Investment property currently occupied by students could be relocated.

8. 1996-11-26
   soldstatus $35,000

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

Tax reassessment forecast PA · Partial reset (capped growth)

• Current annual tax: $2,349 · $196/mo
• Projected year-2 tax: $2,359 · $197/mo
• Expected delta: +$11/yr (+$1/mo · 0.5%)

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

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone X (unshaded) · 24% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥103°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 10% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,904
• − Mortgage interest: −$8,402
• − Property taxes: −$2,349
• − Insurance: −$750
• − Repairs & maintenance: −$1,432
• − Management: −$1,432
• − Depreciation: −$4,364
• Taxable loss: −$826
• Est. tax savings @ 24.0%: +$198
• After-tax cash flow: $1,804/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: York City SD
• NCES district ID: 4226820
• Math proficiency: 4% ▼ -7.00%
• Reading proficiency: 16% ▼ -9.00%
• Median HH income: $29,470
• Composite: 7.61/100
• National rank: #9943
• State rank: #534 of 539 in PA

Livability — York

• Score: 75/100
• State rank: #427
• US rank: #3987

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: York, PA
• County: York County · 278,806 people
• City population: 184,764
• Metro: York-Hanover, PA
• Population (ZIP): 18,570
• Household income: $42,826
• Rent vs Own: 67.4% rent · 32.6% own
• Severe rent burden: 1360.0

Population outlook (York County) Hauer SSP2

• Today (2025): 454,205 people
• By 2030: 457,407 · +0.7%
• By 2040: 457,529 · +0.7%
• By 2050: 448,261 · -1.3%
• By 2075: 427,388 · -5.9%
• By 2100: 384,218 · -15.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.69)
• Race & ethnicity: Hispanic / Latino 39% White 31% Black 24% Two or more races 15%
• Hispanic origin (detail): Mexican 5% Puerto Rican 22% Dominican 10%
• Common ancestry: Romanian 2% Hispanic 1% Italian 1%
• Foreign-born: 14% · Canada
• Languages at home: 72% English-only · Spanish 25% French/Haitian/Cajun 2%

Political lean MEDSL · York

• 2024 margin: Strong R (+25.3) · D 36.9% · R 62.1%
• 2008→2024 swing: -11.7pp toward R · 2008: -13.6pp · 2024: -25.3pp
• All cycles: 2024: R+25.3 2020: R+24.6 2016: R+29.3 2012: R+21.2 2008: R+13.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -63.82%
• Current HPI: 323.5537
• Rent YoY: ▲ 6.37%
• Metro: York-Hanover, 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

+328.6% since first listed

8 events — show timeline

• 2026-05-09 Pending — BRIGHT MLS
• 2026-05-04 Listed $150,000 BRIGHT MLS
• 2021-02-25 Sold (Public Records) $86,325 Public Records
• 2006-12-29 Listing Removed — BRIGHT MLS
• 2006-11-28 Sold (Public Records) $70,500 Public Records
• 2006-11-24 Sold (MLS) $72,500 BRIGHT MLS
• 2006-10-17 Listed $70,500 BRIGHT MLS
• 1996-11-26 Sold (Public Records) $35,000 Public Records

Property tax history

+0.2%/yr

Latest (2026): $2,349 · +1.6% YoY. Source: county tax records.