21 N Chestnut St · Mount Carmel, PA 17851

$105,000

3 bd · 1.5 ba · 1,304 sqft · Other · 95 Days on market

Built 1920 3,484 sqft lot $81/sqft · 108% above area

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Why this score? — see what drove the B+ 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 +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +8.8/10.0
• Appreciation +8.2/10.0
• ARV discount +7.5/15.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0

Listing remarks MLS

Freshly renovated 3-bedroom, 1.5-bath home in Mount Carmel located directly across from the town park. Features updated flooring, fresh paint, and modern kitchen and baths. Spacious layout with convenient half bath on the main level. Move-in ready with great park views and a prime location close to town amenities. Call or text [phone] to schedule a showing today!

Key facts

• Updated flooring
• Great park views
• Modern kitchen

Tags

• UPDATED FLOORING
• MODERN KITCHEN
• GREAT PARK VIEWS
• PRIME LOCATION

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath other listed at $105k.

Deal economics

• At list price, monthly cash flow is $520 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $105k).
• Recommended offer: $96k (9.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 72/100 on livability (#641 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, crime B+; Watch: commute F, employment F.
• Mount Carmel Area SD (town): math 20% / reading 37% proficiency, ranked #455 of 539 in PA (top 84%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Mount Carmel Area El Sch (math 18% / reading 40%, grade F, #1,146 of 1,518 statewide, top 76%, 790 students, 100% FRL); Mount Carmel Area Jh (math 13% / reading 30%, grade F, #429 of 512 statewide, top 84%, 263 students, 100% FRL); Mount Carmel Area Hs (math 57% / reading 75%, grade B, #62 of 437 statewide, top 14%, 493 students, 74% FRL) — zoned schools average 91% FRL vs 50% district-wide (42 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 55 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 81 units permitted in Northumberland County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $7k of equity ($726 loan paydown + $7k appreciation (6.3% local appreciation)).
• Northumberland County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (6.3% appreciation + 3.0% rent growth), your $29k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 95 days — a 9% lower offer ($96k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 5y ago; this cycle's ask has dropped $25k (19%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $58k; list at $105k implies a 81% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $95,550 (9.0% below list)

Questions for the listing agent

1. It's been on market 95 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 1.38% ✓
• Cap rate: 12.23%
• Cash-on-cash: 21.21%
• DSCR: 1.94
• GRM: 6.0

CMA / ARV

• ARV (median comp): $50,574
• List price: $105,000
• Delta: 107.62%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

6.31% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 33.7%
• Equity multiple: 3.22×
• Total profit: $65,324
• Equity at exit: $68,087

10-year hold

• IRR: 31.1%
• Equity multiple: 6.64×
• Total profit: $165,675
• Equity at exit: $125,308

Cash invested: $29,400 (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 17851

• Home prices YoY: 5.2%
• Active inventory: 55
• Price-to-rent: 6.0×

Monthly cashflow live

• Estimated rent: $1,450 medium
• Mortgage (P&I): −$551
• Tax from tax record: −$32 /mo · $378/yr
• Insurance: −$44
• HOA: −$0
• Vacancy / Maint / Mgmt: −$304
• Net cashflow: $520

Break-even live

Break-even rent $792

Max offer price $105,000

Occupancy floor 59%

Sensitivity live

Price	-10% $579	-5% $549	+0% $520	+5% $490	+10% $460
Rent	-10% $405	-5% $462	+0% $520	+5% $577	+10% $634
Rate	-1.0pp $572	-0.5pp $546	base $520	+0.5pp $492	+1.0pp $465

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: $26,250
• Closing costs: $3,150
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
414 W 4th St Mount Carmel, PA	3.0	1.5	900	$1,450	$1.61	45d	1	0.57mi

Listing history 46 events

1. 2026-06-17
   status $105,000 Pending 95 DOM
2. 2026-06-16
   days on market $105,000 Active Under Contract 95 DOM
3. 2026-06-15
   days on market $105,000 Active Under Contract 94 DOM
4. 2026-06-13
   days on market $105,000 Active Under Contract 92 DOM
5. 2026-06-12
   days on market $105,000 Active Under Contract 91 DOM
6. 2026-06-09
   days on market $105,000 Active Under Contract 88 DOM
7. 2026-06-08
   days on market $105,000 Active Under Contract 87 DOM
8. 2026-06-08
   days on market $105,000 Active Under Contract 86 DOM
9. 2026-06-07
   days on market $105,000 Active Under Contract 85 DOM
10. 2026-06-04
    days on market $105,000 Active Under Contract 82 DOM
11. 2026-06-02
    days on market $105,000 Active Under Contract 81 DOM
12. 2026-06-01
    days on market $105,000 Active Under Contract 80 DOM
13. 2026-05-31
    days on market $105,000 Active Under Contract 79 DOM
14. 2026-05-10
    price $110,000 372-char remark

    Show marketing remark (372 chars)

    Freshly renovated 3-bedroom, 1.5-bath home in Mount Carmel located directly across from the town park. Features updated flooring, fresh paint, and modern kitchen and baths. Spacious layout with convenient half bath on the main level. Move-in ready with great park views and a prime location close to town amenities. Call or text [phone] to schedule a showing today!

15. 2026-04-28
    price $115,000 372-char remark

    Show marketing remark (372 chars)

    Freshly renovated 3-bedroom, 1.5-bath home in Mount Carmel located directly across from the town park. Features updated flooring, fresh paint, and modern kitchen and baths. Spacious layout with convenient half bath on the main level. Move-in ready with great park views and a prime location close to town amenities. Call or text [phone] to schedule a showing today!

16. 2026-04-21
    price $120,000 372-char remark

    Show marketing remark (372 chars)

    Freshly renovated 3-bedroom, 1.5-bath home in Mount Carmel located directly across from the town park. Features updated flooring, fresh paint, and modern kitchen and baths. Spacious layout with convenient half bath on the main level. Move-in ready with great park views and a prime location close to town amenities. Call or text [phone] to schedule a showing today!

17. 2026-04-16
    status Active 372-char remark

    Show marketing remark (372 chars)

    Freshly renovated 3-bedroom, 1.5-bath home in Mount Carmel located directly across from the town park. Features updated flooring, fresh paint, and modern kitchen and baths. Spacious layout with convenient half bath on the main level. Move-in ready with great park views and a prime location close to town amenities. Call or text [phone] to schedule a showing today!

18. 2026-04-01
    historical Active Under Contract 372-char remark

    Show marketing remark (372 chars)

    Freshly renovated 3-bedroom, 1.5-bath home in Mount Carmel located directly across from the town park. Features updated flooring, fresh paint, and modern kitchen and baths. Spacious layout with convenient half bath on the main level. Move-in ready with great park views and a prime location close to town amenities. Call or text [phone] to schedule a showing today!

19. 2026-03-30
    price $125,000 372-char remark

    Show marketing remark (372 chars)

    Freshly renovated 3-bedroom, 1.5-bath home in Mount Carmel located directly across from the town park. Features updated flooring, fresh paint, and modern kitchen and baths. Spacious layout with convenient half bath on the main level. Move-in ready with great park views and a prime location close to town amenities. Call or text [phone] to schedule a showing today!

20. 2026-03-11
    listed $129,999 Active 372-char remark

    Show marketing remark (372 chars)

    Freshly renovated 3-bedroom, 1.5-bath home in Mount Carmel located directly across from the town park. Features updated flooring, fresh paint, and modern kitchen and baths. Spacious layout with convenient half bath on the main level. Move-in ready with great park views and a prime location close to town amenities. Call or text [phone] to schedule a showing today!

21. 2026-01-15
    soldstatus $58,000
22. 2025-12-29
    soldstatus $58,000 Closed 1693-char remark

    Show marketing remark (1693 chars)

    Unique multi-use investment opportunity in the heart of Mount Carmel, PA. This property offers a rare combination of a 4-bedroom single-family residence, a standalone church building, and a spacious rear lot—together providing exceptional flexibility across two parcels. The residence includes four comfortable bedrooms and one and a half baths. Much of the renovation work has already been completed, including flooring and walls, with only a few finishing touches needed to make it shine. The layout offers many possibilities—live in the home while leasing the church building to a congregation or organization, or use the entire property for your own needs. The church building retains its traditional character and can be adapted for various permitted uses, including continued religious services, educational or childcare facilities, community programs, or creative ventures. The second parcel, located behind the main buildings, provides open space for parking, outdoor activities, or potential future expansion (subject to municipal approval). Parking is convenient, with additional public parking available nearby and a beautiful park located directly across the street. All proposed uses, renovations, or zoning changes must comply with local municipal regulations and obtain proper approvals. The seller would appreciate if settlement were conducted with Your Home Settlement Services LLC, located at 2209 Quarry Drive, Suite C-45, West Lawn, PA 19609, as this company is already handling related transactions and is familiar with the ownership corporation, which may help ensure a smoother closing. Buyers are free to select the title/settlement company of their choice.

23. 2025-11-18
    price $69,999 1693-char remark

    Show marketing remark (1693 chars)

    Unique multi-use investment opportunity in the heart of Mount Carmel, PA. This property offers a rare combination of a 4-bedroom single-family residence, a standalone church building, and a spacious rear lot—together providing exceptional flexibility across two parcels. The residence includes four comfortable bedrooms and one and a half baths. Much of the renovation work has already been completed, including flooring and walls, with only a few finishing touches needed to make it shine. The layout offers many possibilities—live in the home while leasing the church building to a congregation or organization, or use the entire property for your own needs. The church building retains its traditional character and can be adapted for various permitted uses, including continued religious services, educational or childcare facilities, community programs, or creative ventures. The second parcel, located behind the main buildings, provides open space for parking, outdoor activities, or potential future expansion (subject to municipal approval). Parking is convenient, with additional public parking available nearby and a beautiful park located directly across the street. All proposed uses, renovations, or zoning changes must comply with local municipal regulations and obtain proper approvals. The seller would appreciate if settlement were conducted with Your Home Settlement Services LLC, located at 2209 Quarry Drive, Suite C-45, West Lawn, PA 19609, as this company is already handling related transactions and is familiar with the ownership corporation, which may help ensure a smoother closing. Buyers are free to select the title/settlement company of their choice.

24. 2025-11-12
    price $72,000 1693-char remark

    Show marketing remark (1693 chars)

    Unique multi-use investment opportunity in the heart of Mount Carmel, PA. This property offers a rare combination of a 4-bedroom single-family residence, a standalone church building, and a spacious rear lot—together providing exceptional flexibility across two parcels. The residence includes four comfortable bedrooms and one and a half baths. Much of the renovation work has already been completed, including flooring and walls, with only a few finishing touches needed to make it shine. The layout offers many possibilities—live in the home while leasing the church building to a congregation or organization, or use the entire property for your own needs. The church building retains its traditional character and can be adapted for various permitted uses, including continued religious services, educational or childcare facilities, community programs, or creative ventures. The second parcel, located behind the main buildings, provides open space for parking, outdoor activities, or potential future expansion (subject to municipal approval). Parking is convenient, with additional public parking available nearby and a beautiful park located directly across the street. All proposed uses, renovations, or zoning changes must comply with local municipal regulations and obtain proper approvals. The seller would appreciate if settlement were conducted with Your Home Settlement Services LLC, located at 2209 Quarry Drive, Suite C-45, West Lawn, PA 19609, as this company is already handling related transactions and is familiar with the ownership corporation, which may help ensure a smoother closing. Buyers are free to select the title/settlement company of their choice.

25. 2025-11-12
    status Active 1693-char remark

    Show marketing remark (1693 chars)

    Unique multi-use investment opportunity in the heart of Mount Carmel, PA. This property offers a rare combination of a 4-bedroom single-family residence, a standalone church building, and a spacious rear lot—together providing exceptional flexibility across two parcels. The residence includes four comfortable bedrooms and one and a half baths. Much of the renovation work has already been completed, including flooring and walls, with only a few finishing touches needed to make it shine. The layout offers many possibilities—live in the home while leasing the church building to a congregation or organization, or use the entire property for your own needs. The church building retains its traditional character and can be adapted for various permitted uses, including continued religious services, educational or childcare facilities, community programs, or creative ventures. The second parcel, located behind the main buildings, provides open space for parking, outdoor activities, or potential future expansion (subject to municipal approval). Parking is convenient, with additional public parking available nearby and a beautiful park located directly across the street. All proposed uses, renovations, or zoning changes must comply with local municipal regulations and obtain proper approvals. The seller would appreciate if settlement were conducted with Your Home Settlement Services LLC, located at 2209 Quarry Drive, Suite C-45, West Lawn, PA 19609, as this company is already handling related transactions and is familiar with the ownership corporation, which may help ensure a smoother closing. Buyers are free to select the title/settlement company of their choice.

26. 2025-11-10
    historical 1693-char remark

    Show marketing remark (1693 chars)

    Unique multi-use investment opportunity in the heart of Mount Carmel, PA. This property offers a rare combination of a 4-bedroom single-family residence, a standalone church building, and a spacious rear lot—together providing exceptional flexibility across two parcels. The residence includes four comfortable bedrooms and one and a half baths. Much of the renovation work has already been completed, including flooring and walls, with only a few finishing touches needed to make it shine. The layout offers many possibilities—live in the home while leasing the church building to a congregation or organization, or use the entire property for your own needs. The church building retains its traditional character and can be adapted for various permitted uses, including continued religious services, educational or childcare facilities, community programs, or creative ventures. The second parcel, located behind the main buildings, provides open space for parking, outdoor activities, or potential future expansion (subject to municipal approval). Parking is convenient, with additional public parking available nearby and a beautiful park located directly across the street. All proposed uses, renovations, or zoning changes must comply with local municipal regulations and obtain proper approvals. The seller would appreciate if settlement were conducted with Your Home Settlement Services LLC, located at 2209 Quarry Drive, Suite C-45, West Lawn, PA 19609, as this company is already handling related transactions and is familiar with the ownership corporation, which may help ensure a smoother closing. Buyers are free to select the title/settlement company of their choice.

27. 2025-11-03
    price $74,900 1693-char remark

    Show marketing remark (1693 chars)

    Unique multi-use investment opportunity in the heart of Mount Carmel, PA. This property offers a rare combination of a 4-bedroom single-family residence, a standalone church building, and a spacious rear lot—together providing exceptional flexibility across two parcels. The residence includes four comfortable bedrooms and one and a half baths. Much of the renovation work has already been completed, including flooring and walls, with only a few finishing touches needed to make it shine. The layout offers many possibilities—live in the home while leasing the church building to a congregation or organization, or use the entire property for your own needs. The church building retains its traditional character and can be adapted for various permitted uses, including continued religious services, educational or childcare facilities, community programs, or creative ventures. The second parcel, located behind the main buildings, provides open space for parking, outdoor activities, or potential future expansion (subject to municipal approval). Parking is convenient, with additional public parking available nearby and a beautiful park located directly across the street. All proposed uses, renovations, or zoning changes must comply with local municipal regulations and obtain proper approvals. The seller would appreciate if settlement were conducted with Your Home Settlement Services LLC, located at 2209 Quarry Drive, Suite C-45, West Lawn, PA 19609, as this company is already handling related transactions and is familiar with the ownership corporation, which may help ensure a smoother closing. Buyers are free to select the title/settlement company of their choice.

28. 2025-10-27
    price $77,000 1693-char remark

    Show marketing remark (1693 chars)

    Unique multi-use investment opportunity in the heart of Mount Carmel, PA. This property offers a rare combination of a 4-bedroom single-family residence, a standalone church building, and a spacious rear lot—together providing exceptional flexibility across two parcels. The residence includes four comfortable bedrooms and one and a half baths. Much of the renovation work has already been completed, including flooring and walls, with only a few finishing touches needed to make it shine. The layout offers many possibilities—live in the home while leasing the church building to a congregation or organization, or use the entire property for your own needs. The church building retains its traditional character and can be adapted for various permitted uses, including continued religious services, educational or childcare facilities, community programs, or creative ventures. The second parcel, located behind the main buildings, provides open space for parking, outdoor activities, or potential future expansion (subject to municipal approval). Parking is convenient, with additional public parking available nearby and a beautiful park located directly across the street. All proposed uses, renovations, or zoning changes must comply with local municipal regulations and obtain proper approvals. The seller would appreciate if settlement were conducted with Your Home Settlement Services LLC, located at 2209 Quarry Drive, Suite C-45, West Lawn, PA 19609, as this company is already handling related transactions and is familiar with the ownership corporation, which may help ensure a smoother closing. Buyers are free to select the title/settlement company of their choice.

29. 2025-10-21
    price $82,900 1693-char remark

    Show marketing remark (1693 chars)

    Unique multi-use investment opportunity in the heart of Mount Carmel, PA. This property offers a rare combination of a 4-bedroom single-family residence, a standalone church building, and a spacious rear lot—together providing exceptional flexibility across two parcels. The residence includes four comfortable bedrooms and one and a half baths. Much of the renovation work has already been completed, including flooring and walls, with only a few finishing touches needed to make it shine. The layout offers many possibilities—live in the home while leasing the church building to a congregation or organization, or use the entire property for your own needs. The church building retains its traditional character and can be adapted for various permitted uses, including continued religious services, educational or childcare facilities, community programs, or creative ventures. The second parcel, located behind the main buildings, provides open space for parking, outdoor activities, or potential future expansion (subject to municipal approval). Parking is convenient, with additional public parking available nearby and a beautiful park located directly across the street. All proposed uses, renovations, or zoning changes must comply with local municipal regulations and obtain proper approvals. The seller would appreciate if settlement were conducted with Your Home Settlement Services LLC, located at 2209 Quarry Drive, Suite C-45, West Lawn, PA 19609, as this company is already handling related transactions and is familiar with the ownership corporation, which may help ensure a smoother closing. Buyers are free to select the title/settlement company of their choice.

30. 2025-09-29
    price $89,900 1693-char remark

    Show marketing remark (1693 chars)

    Unique multi-use investment opportunity in the heart of Mount Carmel, PA. This property offers a rare combination of a 4-bedroom single-family residence, a standalone church building, and a spacious rear lot—together providing exceptional flexibility across two parcels. The residence includes four comfortable bedrooms and one and a half baths. Much of the renovation work has already been completed, including flooring and walls, with only a few finishing touches needed to make it shine. The layout offers many possibilities—live in the home while leasing the church building to a congregation or organization, or use the entire property for your own needs. The church building retains its traditional character and can be adapted for various permitted uses, including continued religious services, educational or childcare facilities, community programs, or creative ventures. The second parcel, located behind the main buildings, provides open space for parking, outdoor activities, or potential future expansion (subject to municipal approval). Parking is convenient, with additional public parking available nearby and a beautiful park located directly across the street. All proposed uses, renovations, or zoning changes must comply with local municipal regulations and obtain proper approvals. The seller would appreciate if settlement were conducted with Your Home Settlement Services LLC, located at 2209 Quarry Drive, Suite C-45, West Lawn, PA 19609, as this company is already handling related transactions and is familiar with the ownership corporation, which may help ensure a smoother closing. Buyers are free to select the title/settlement company of their choice.

31. 2025-09-13
    listed $98,900 Active 1693-char remark

    Show marketing remark (1693 chars)

    Unique multi-use investment opportunity in the heart of Mount Carmel, PA. This property offers a rare combination of a 4-bedroom single-family residence, a standalone church building, and a spacious rear lot—together providing exceptional flexibility across two parcels. The residence includes four comfortable bedrooms and one and a half baths. Much of the renovation work has already been completed, including flooring and walls, with only a few finishing touches needed to make it shine. The layout offers many possibilities—live in the home while leasing the church building to a congregation or organization, or use the entire property for your own needs. The church building retains its traditional character and can be adapted for various permitted uses, including continued religious services, educational or childcare facilities, community programs, or creative ventures. The second parcel, located behind the main buildings, provides open space for parking, outdoor activities, or potential future expansion (subject to municipal approval). Parking is convenient, with additional public parking available nearby and a beautiful park located directly across the street. All proposed uses, renovations, or zoning changes must comply with local municipal regulations and obtain proper approvals. The seller would appreciate if settlement were conducted with Your Home Settlement Services LLC, located at 2209 Quarry Drive, Suite C-45, West Lawn, PA 19609, as this company is already handling related transactions and is familiar with the ownership corporation, which may help ensure a smoother closing. Buyers are free to select the title/settlement company of their choice.

32. 2025-09-11
    status Active
33. 2025-09-11
    historical
34. 2025-09-11
    historical
35. 2025-08-13
    price $112,000
36. 2025-07-25
    price $119,000
37. 2025-07-10
    listed $127,957 Active
38. 2025-07-08
    historical
39. 2025-07-02
    price $139,875
40. 2025-06-19
    price $148,777
41. 2025-06-09
    price $153,777
42. 2025-06-09
    listed $157,333 Active
43. 2023-10-17
    soldstatus $35,000
44. 2023-10-13
    soldstatus $35,000 Closed
45. 2022-07-08
    price $60,000
46. 2021-07-30
    listed $76,000 Active

ⓘ 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: $378 · $32/mo
• Projected year-2 tax: $1,019 · $85/mo
• Expected delta: +$640/yr (+$53/mo · 169.3%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 4/10 Moderate 8 d/yr ≥93°F today · 17 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 5% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,400
• − Mortgage interest: −$5,882
• − Property taxes: −$378
• − Insurance: −$525
• − Repairs & maintenance: −$1,392
• − Management: −$1,392
• − Depreciation: −$3,055
• Taxable income: $4,777
• Est. tax owed @ 24.0%: −$1,146
• After-tax cash flow: $5,089/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: Mount Carmel Area SD
• NCES district ID: 4215990
• Math proficiency: 20% ▼ -18.00%
• Reading proficiency: 37% ▼ -15.00%
• Median HH income: $35,195
• Composite: 23.48/100
• National rank: #7876
• State rank: #455 of 539 in PA

Livability — Mount Carmel

• Score: 72/100
• State rank: #641
• US rank: #6230

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Mount Carmel, PA
• Population (ZIP): 7,174

Population outlook (Northumberland County) Hauer SSP2

• Today (2025): 90,896 people
• By 2030: 89,084 · -2.0%
• By 2040: 84,822 · -6.7%
• By 2050: 80,521 · -11.4%
• By 2075: 72,152 · -20.6%
• By 2100: 62,257 · -31.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (92%)
• Race & ethnicity: White 92% Two or more races 5% Hispanic / Latino 4% Black 1%
• Common ancestry: Romanian 21% Subsaharan African 3% Iranian 2%
• Foreign-born: 2% · Canada
• Languages at home: 96% English-only · Spanish 3% Russian/Polish/Slavic 1%

Political lean MEDSL · Northumberland

• 2024 margin: Solid R (+39.9) · D 29.6% · R 69.5%
• 2008→2024 swing: -26.1pp toward R · 2008: -13.8pp · 2024: -39.9pp
• All cycles: 2024: R+39.9 2020: R+38.5 2016: R+43.6 2012: R+19.4 2008: R+13.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 6.31%
• Current HPI: 127.4102
• 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

+44.7% since first listed

33 events — show timeline

• 2026-05-10 Price Changed $110,000 CSVBR
• 2026-04-28 Price Changed $115,000 CSVBR
• 2026-04-21 Price Changed $120,000 CSVBR
• 2026-04-16 Relisted — CSVBR
• 2026-04-01 Contingent — CSVBR
• 2026-03-30 Price Changed $125,000 CSVBR
• 2026-03-11 Listed $129,999 CSVBR
• 2026-01-15 Sold (Public Records) $58,000 Public Records
• 2025-12-29 Sold (MLS) $58,000 BRIGHT MLS
• 2025-11-18 Price Changed $69,999 BRIGHT MLS
• 2025-11-12 Price Changed $72,000 BRIGHT MLS
• 2025-11-12 Relisted — BRIGHT MLS
• 2025-11-10 Listing Removed — BRIGHT MLS
• 2025-11-03 Price Changed $74,900 BRIGHT MLS
• 2025-10-27 Price Changed $77,000 BRIGHT MLS
• 2025-10-21 Price Changed $82,900 BRIGHT MLS
• 2025-09-29 Price Changed $89,900 BRIGHT MLS
• 2025-09-13 Listed $98,900 BRIGHT MLS
• 2025-09-11 Relisted — BRIGHT MLS
• 2025-09-11 Listing Removed — BRIGHT MLS
• 2025-09-11 Listing Removed — BRIGHT MLS
• 2025-08-13 Price Changed $112,000 BRIGHT MLS
• 2025-07-25 Price Changed $119,000 BRIGHT MLS
• 2025-07-10 Listed $127,957 BRIGHT MLS
• 2025-07-08 Listing Removed — BRIGHT MLS
• 2025-07-02 Price Changed $139,875 BRIGHT MLS
• 2025-06-19 Price Changed $148,777 BRIGHT MLS
• 2025-06-09 Price Changed $153,777 BRIGHT MLS
• 2025-06-09 Listed $157,333 BRIGHT MLS
• 2023-10-17 Sold (Public Records) $35,000 Public Records
• 2023-10-13 Sold (MLS) $35,000 OneKey® MLS as Distributed by MLS Grid
• 2022-07-08 Price Changed $60,000 OneKey® MLS as Distributed by MLS Grid
• 2021-07-30 Listed $76,000 OneKey® MLS as Distributed by MLS Grid

Property tax history

-6.4%/yr

Latest (2026): $378 · -66.3% YoY. Source: county tax records.