142 Hudson St · Johnstown, PA 15901

$50,700

4 bd · 1.5 ba · 1,936 sqft · SingleFamily · 39 Days on market

2,439 sqft lot Est $46k · 9% over ↓ 8% since listing

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +3.9/5.0
• ARV discount +3.4/15.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +2.3/10.0
• Schools +1.3/10.0

Listing remarks

Timeless Charm in Historic Johnstown. .. Step into a piece of history with this beautifully maintained 4-bedroom, 2-bathroom gem. Spanning 1,936 sq. ft. across three finished floors, this home perfectly blends classic character with modern comfort. The heart of the house is a large eat-in kitchen, ideal for morning coffee or hosting dinner. Stay cozy all winter with efficient hot water heat that warms every corner of the expansive living space. Outdoor living is a breeze with a covered back porch overlooking a fully fenced yard—your private oasis for pets, play, or gardening. From the stately architecture to the generous layout, this home offers the space and soul you've been searchin

Key facts

• Private nook
• Curved staircase
• Walk up attic

Tags

• CURVED STAIRCASE
• PRIVATE NOOK
• WALK UP ATTIC
• COVERED REAR PORCH
• FENCED YARD
• LAUNDRY AREA

Property features AI

Finance

• Other: Property is residential single family (SFR)

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer; Sewer available
• Home design: Single family residence; Two levels (2 stories); Residential zoning
• Construction: Frame construction; Shingle roof
• Exterior features: Covered porch; Rectangular lot; City street frontage; Public maintained road

Interior

• Kitchen: Range; Oven; Refrigerator
• Flooring: Carpet; Laminate; Wood
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Hot water heating; Natural gas
• Interior features: Entrance foyer; Full, unfinished basement
• Laundry & utility: Dryer; Laundry in basement

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath single-family listed at $51k.

Deal economics

• At list price, monthly cash flow is $759 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $51k).
• Recommended offer: $49k (3.0% below list) — sets the bar for market timing.
• Cap rate 24.3% vs local median 15.0% in Johnstown — 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 77/100 on livability (#363 in PA, #3,168 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, cost of living A+; Watch: schools D+, crime F, employment F.
• Greater Johnstown SD (urban): math 9% / reading 25% proficiency, ranked #509 of 539 in PA (top 94%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 80% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 20 active listings in the ZIP; 64 units permitted in Cambria County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $351 of loan paydown is wiped out by about $2k 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.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $14k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 39 days — a 3% lower offer ($49k) is reasonable based on typical stale-listing flexibility.

Recommended offer $49,179 (3.0% below list)

Questions for the listing agent

1. It's been on market 39 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
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. 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?
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: 2.75% ✓
• Cap rate: 24.25%
• Cash-on-cash: 64.14%
• DSCR: 3.85
• GRM: 3.0

CMA / ARV

• ARV (on-the-fly): $46,464
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
142 Hudson St	0.00mi	4/1.5	1,936 (0%)	0mo	$45,500	$24	100
1122-1124 Ridge Ave	0.33mi	4/2.0	1,796 (-7%)	5mo	$11,500	$6	67
345 Ebensburg Rd	0.68mi	3/2.0 (-1)	1,792 (-7%)	7mo	$79,900	$45	43

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: 63.2%
• Equity multiple: 3.83×
• Total profit: $40,130
• Equity at exit: $7,560

10-year hold

• IRR: 67.7%
• Equity multiple: 7.85×
• Total profit: $97,245
• Equity at exit: $4,384

Cash invested: $14,196 (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 15901

• Home prices YoY: -5.5%
• Active inventory: 20
• Price-to-rent: 3.0×

Monthly cashflow live

• Estimated rent: $1,396 medium
• Mortgage (P&I): −$266
• Tax from tax record: −$57 /mo · $680/yr
• Insurance: −$21
• HOA: −$0
• Vacancy / Maint / Mgmt: −$293
• Net cashflow: $759

Break-even live

Break-even rent $435

Max offer price $50,700

Occupancy floor 41%

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: $12,675
• Closing costs: $1,521
• Reserves months: —
• Total cash needed: —

Listing history 6 events

1. 2026-05-01
   status Pending
2. 2026-04-29
   price $50,700
3. 2026-04-13
   price $51,000
4. 2026-04-06
   price $52,000
5. 2026-03-30
   price $53,400
6. 2026-03-23
   listed $54,900 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: $680 · $57/mo
• Projected year-2 tax: $741 · $62/mo
• Expected delta: +$60/yr (+$5/mo · 8.9%)

ⓘ 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 ≥94°F today · 18 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: $16,747
• − Mortgage interest: −$2,840
• − Property taxes: −$680
• − Insurance: −$254
• − Repairs & maintenance: −$1,340
• − Management: −$1,340
• − Depreciation: −$1,475
• Taxable income: $8,819
• Est. tax owed @ 24.0%: −$2,116
• After-tax cash flow: $6,989/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: Greater Johnstown SD
• NCES district ID: 4210950
• Math proficiency: 9% ▼ -6.00%
• Reading proficiency: 25% ▼ -6.00%
• Median HH income: $27,890
• Composite: 13.25/100
• National rank: #9550
• State rank: #509 of 539 in PA

Livability — Johnstown

• Score: 77/100
• State rank: #363
• US rank: #3168

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Johnstown, PA
• City population: 30,791
• Population (ZIP): 3,466

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 (68%)
• Race & ethnicity: White 68% Black 16% Hispanic / Latino 11% Two or more races 6% Native American 1%
• Hispanic origin (detail): Puerto Rican 8% Dominican 1%
• Common ancestry: Romanian 11% Slovak 2% Serbian 2%
• Foreign-born: 1% · Canada
• Languages at home: 95% English-only · Spanish 4%

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: ▼ -5.41%
• Current HPI: 92.1212
• 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

-7.7% since first listed

6 events — show timeline

• 2026-05-01 Pending — CSMLS
• 2026-04-29 Price Changed $50,700 CSMLS
• 2026-04-13 Price Changed $51,000 CSMLS
• 2026-04-06 Price Changed $52,000 CSMLS
• 2026-03-30 Price Changed $53,400 CSMLS
• 2026-03-23 Listed $54,900 CSMLS

Property tax history

-0.0%/yr

Latest (2026): $680 · +0.0% YoY. Source: county tax records.