6 Moosic St · Moosic, PA 18507

$169,500

3 bd · 1.0 ba · 1,000 sqft · SingleFamily · 24 Days on market

Built 1961 $170/sqft · at area comps Est $174k · at est.

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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 +12.6/30.0
• ARV discount +8.8/15.0
• DSCR +3.8/10.0
• 1% rule +3.6/10.0
• Schools +3.5/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Great family home that was loved and cared for for decades. It sits in a very pretty neighborhood with lovely trees. It currently needs work but is priced with needed work in mind and still offers so much opportunity. Are you having difficulity finding an affordable home due to low inventory? Here is your opportunity for a great starter home or for downsizing to one level living. Good for Investors at this price too! You will like the crunch of your numbers for fix and flip or it would make a great rental. Don't hesitate. It is expected to sell quickly at this price. Very convenient location. Close to I-81. Shopping, restuarants, movies. The home has great bones and some really nice fea

Key facts

• Large lot
• Hardwood floors
• Replacement windows

Tags

• ROOF SHINGLES REPLACED
• LARGE LOT
• LIVING ROOM WITH FIREPLACE
• REPLACEMENT WINDOWS
• HARDWOOD FLOORS
• SOLID WOOD BEDROOM DOORS

Property features AI

Finance

• HOA & community: Community features include nearby restaurants and suburban setting

Exterior

• Parking: 1-car garage; Basement access and inside entrance to parking
• Utilities: Public water; Public sewer; Electricity connected (circuit breakers); Natural gas connected
• Home design: Single family residence; Residential property; Built in 1961; Fixer condition; Permanent foundation; City street frontage on a paved road
• Construction: Aluminum siding construction; Shingle roof; Permanent foundation; Year built 1961
• Exterior features: Deck; Front and back yard; Partial wood and chain link fencing; Shingle roof

Interior

• Kitchen: Eat-in kitchen; No appliances included
• Bedrooms: 3 bedrooms; Primary bedroom with hardwood floor and solid wood door; Second bedroom with hardwood floor and solid wood door; Third bedroom with hardwood floor and solid wood door
• Flooring: Hardwood floors
• Bathrooms: 1 full bathroom
• Heating & cooling: Natural gas heating; Wood stove; No central air
• Interior features: See remarks; Full unfinished basement; Crawl opening attic
• Laundry & utility: Laundry in basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $170k.

Deal economics

• At list price, monthly cash flow is $-20 ($-244/yr) — negative.
• To cash-flow at today's rent, offer at most $167k (1.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $146k (14.0% below list).
• Recommended offer: $146k (14.0% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 68/100 on livability (#874 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A-; Watch: schools C-, crime D+, amenities F.
• Riverside SD (suburban): math 30% / reading 53% proficiency, ranked #340 of 539 in PA (top 63%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 40 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); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; 251 units permitted in Lackawanna County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Lackawanna County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 24 days — a 2% lower offer ($167k) is reasonable based on typical stale-listing flexibility.

Recommended offer $145,706 (14.0% 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. Built in 1961 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Crime grade is D 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. 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?
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: 0.86% ✗
• Cap rate: 6.15%
• Cash-on-cash: -0.51%
• DSCR: 0.98
• GRM: 9.7

CMA / ARV

• ARV (median comp): $174,459
• List price: $169,500
• Delta: -2.84%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
836 Woodlawn Ave	0.27mi	2/1.0 (-1)	952 (-5%)	4mo	$205,000	$215	71
1048 Water St	0.22mi	3/2.0	1,100 (+10%)	12mo	$255,000	$232	59
1517 Dawson St	0.71mi	3/1.0	1,089 (+9%)	10mo	$110,500	$101	44
612 Main St	0.37mi	3/1.5	1,134 (+13%)	24mo	$268,000	$236	39
111 Spring St	0.58mi	2/2.0 (-1)	950 (-5%)	22mo	$237,000	$249	37
1043 Ash St	0.43mi	2/1.0 (-1)	1,149 (+15%)	17mo	$130,380	$113	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: -17.1%
• Equity multiple: 0.39×
• Total profit: $-28,737
• Equity at exit: $25,273

10-year hold

• IRR: -9.0%
• Equity multiple: 0.44×
• Total profit: $-26,599
• Equity at exit: $14,655

Cash invested: $47,460 (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 18507

• Home prices YoY: -10.9%
• Active inventory: 40
• Price-to-rent: 9.7×

Monthly cashflow live

• Estimated rent: $1,457 high
• Mortgage (P&I): −$889
• Tax est. 1.5%: −$212 /mo · $2,542/yr
• Insurance: −$71
• HOA: −$0
• Vacancy / Maint / Mgmt: −$306
• Net cashflow: $-20

Break-even live

Break-even rent $1,483

Max offer price $166,563

Occupancy floor 96%

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: $42,375
• Closing costs: $5,085
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
864 S Main St #3 Old Forge, PA	2.0	1.0	965	$1,350	$1.40	14d	1	1.06mi
970 Wood St Old Forge, PA	2.0	1.0	768	$1,300	$1.69	14d	1	1.07mi
962 Wood St Unit 2 Old Forge, PA	2.0	1.0	964	$1,250	$1.30	44d	1	1.08mi
152 Drakes Ln Old Forge, PA	2.0	1.0	979	$1,700	$1.74	14d	1	1.22mi
652 Marion Ln Moosic, PA	2.0	2.0	1000	$1,500	$1.50	44d	1	1.22mi
200 Oak St Unit 2 Old Forge, PA	3.0	1.5	1500	$1,800	$1.20	44d	1	1.38mi

Listing history 1 events

1. 2026-05-03
   listed $169,500 Active 1944-char remark

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥93°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 3% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,485
• − Mortgage interest: −$9,495
• − Property taxes: −$2,542
• − Insurance: −$848
• − Repairs & maintenance: −$1,399
• − Management: −$1,399
• − Depreciation: −$4,931
• Taxable loss: −$3,128
• Est. tax savings @ 24.0%: +$751
• After-tax cash flow: $507/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: Riverside SD
• NCES district ID: 4223250
• Math proficiency: 30% ▼ -7.00%
• Reading proficiency: 53% ▼ -7.00%
• Median HH income: $44,118
• Composite: 35.09/100
• National rank: #5022
• State rank: #340 of 539 in PA

Livability — Moosic

• Score: 68/100
• State rank: #874
• US rank: #9233

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Moosic, PA
• City population: 5,403
• Population (ZIP): 5,403

Population outlook (Lackawanna County) Hauer SSP2

• Today (2025): 210,652 people
• By 2030: 208,623 · -1.0%
• By 2040: 203,980 · -3.2%
• By 2050: 201,069 · -4.5%
• By 2075: 205,026 · -2.7%
• By 2100: 210,851 · +0.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (87%)
• Race & ethnicity: White 87% Two or more races 7% Hispanic / Latino 4% Asian 3%
• Common ancestry: Romanian 24% Scotch-Irish 6% Polish 1%
• Foreign-born: 6% · Canada, China, South Korea
• Languages at home: 95% English-only · Spanish 3% Chinese 1% Other Asian/Pacific 1%

Political lean MEDSL · Lackawanna

• 2024 margin: Toss-up / Even · D 51.0% · R 48.3%
• 2008→2024 swing: -23.2pp toward R · 2008: 26.0pp · 2024: 2.8pp
• All cycles: 2024: D+2.8 2020: D+8.4 2016: D+3.4 2012: D+27.4 2008: D+26.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -22.40%
• Current HPI: 182.678
• 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

2 events — show timeline

• 2026-05-27 Pending — GSBR as distributed by MLS GRID
• 2026-05-03 Listed $169,500 GSBR as distributed by MLS GRID

Property tax history

+31.0%/yr

Latest (2026): $39,698 · +1467.2% YoY. Source: county tax records.