209 N Marian St · Ebensburg, PA 15931

$149,000

3 bd · 1.0 ba · 1,893 sqft · SingleFamily · 268 Days on market

3,920 sqft lot $79/sqft · 27% below area Est $204k · 27% under ↓ 6% since listing

---

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 +26.2/30.0
• ARV discount +15.0/15.0
• DSCR +8.8/10.0
• 1% rule +6.4/10.0
• Livability +4.4/5.0
• Schools +4.1/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This 3 bedroom 1.5 bath spacious home in the heart of Ebensburg borough is walking distance to all businesses that the area has to offer. First floor offers many additional seating areas for you to enjoy your morning coffee/tea, the kitchen is spacious and allows room for a table if you like, dining room is currently being used as a family room and features hardwood floors, there is a living room and large foyer for coats and shoes. The second floor has 3 nicely sized bedrooms, a full bath that leads to a finished attic which has mostly recently been used for storage. The shared driveway leads to a garage/outbuilding the perfect place for hobbies or toys. Call today for more information. Buyer to verify all measurements.

Key facts

• Finished attic
• Spacious kitchen
• Hardwood floors

Tags

• WALKING DISTANCE TO BUSINESSES
• ADDITIONAL SEATING AREAS
• SPACIOUS KITCHEN
• HARDWOOD FLOORS
• FINISHED ATTIC
• SHARED DRIVEWAY

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $149k.

Deal economics

• At list price, monthly cash flow is $378 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $149k).
• Recommended offer: $131k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 87/100 on livability (#53 in PA, #310 nationally) — a professional / high-income tenant draw. Strengths: schools A+, crime A+, cost of living A+; Watch: commute F.
• Central Cambria SD (rural): math 40% / reading 55% proficiency, ranked #225 of 539 in PA (top 42%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 38 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 $1k of loan paydown is wiped out by about $4k 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 $42k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 268 days — a 12% lower offer ($131k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $10k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Recommended offer $131,120 (12.0% below list)

Questions for the listing agent

1. It's been on market 268 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 1.14% ✓
• Cap rate: 9.34%
• Cash-on-cash: 10.88%
• DSCR: 1.48
• GRM: 7.3

CMA / ARV

• ARV (median comp): $204,110
• List price: $149,000
• Delta: -27.00%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
306 W Horner St	0.12mi	3/1.5	1,870 (-1%)	4mo	$168,000	$90	87
308 E Highland Ave	0.44mi	3/1.0	1,926 (+2%)	3mo	$150,000	$78	75
316 W Crawford St	0.09mi	4/2.0 (+1)	2,031 (+7%)	2mo	$199,900	$98	73
411 W Lloyd St	0.14mi	3/1.5	1,696 (-10%)	10mo	$206,000	$121	66
205 N Marian St	0.01mi	3/2.5	2,161 (+14%)	9mo	$229,900	$106	62
116 S Julian St	0.18mi	3/2.0	1,654 (-13%)	6mo	$119,900	$72	61
609 E Ogle St	0.58mi	4/2.0 (+1)	1,916 (+1%)	3mo	$199,900	$104	60
701 W High St	0.14mi	4/2.0 (+1)	2,143 (+13%)	5mo	$215,000	$100	58
313 E Highland Ave	0.47mi	3/2.0	1,695 (-10%)	1mo	$92,500	$55	56
500 Randolph St	0.37mi	4/2.5 (+1)	2,037 (+8%)	11mo	$215,000	$106	50
729 W Milton St	0.27mi	3/2.5	2,175 (+15%)	15mo	$345,000	$159	44
101 Tanner St	0.69mi	3/2.0	1,732 (-8%)	14mo	$260,000	$150	38

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: -0.0%
• Equity multiple: 1.00×
• Total profit: $-79
• Equity at exit: $22,216

10-year hold

• IRR: 9.6%
• Equity multiple: 1.74×
• Total profit: $30,869
• Equity at exit: $12,883

Cash invested: $41,720 (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 15931

• Home prices YoY: -29.5%
• Active inventory: 38
• Price-to-rent: 7.3×

Monthly cashflow live

• Estimated rent: $1,692 medium
• Mortgage (P&I): −$781
• Tax from tax record: −$115 /mo · $1,379/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$355
• Net cashflow: $378

Break-even live

Break-even rent $1,213

Max offer price $149,000

Occupancy floor 73%

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: $37,250
• Closing costs: $4,470
• Reserves months: —
• Total cash needed: —

Listing history 4 events

1. 2026-04-08
   status Active 730-char remark

   Show marketing remark (730 chars)

   This 3 bedroom 1.5 bath spacious home in the heart of Ebensburg borough is walking distance to all businesses that the area has to offer. First floor offers many additional seating areas for you to enjoy your morning coffee/tea, the kitchen is spacious and allows room for a table if you like, dining room is currently being used as a family room and features hardwood floors, there is a living room and large foyer for coats and shoes. The second floor has 3 nicely sized bedrooms, a full bath that leads to a finished attic which has mostly recently been used for storage. The shared driveway leads to a garage/outbuilding the perfect place for hobbies or toys. Call today for more information. Buyer to verify all measurements.

2. 2026-04-08
   price $149,000 730-char remark

   Show marketing remark (730 chars)

   This 3 bedroom 1.5 bath spacious home in the heart of Ebensburg borough is walking distance to all businesses that the area has to offer. First floor offers many additional seating areas for you to enjoy your morning coffee/tea, the kitchen is spacious and allows room for a table if you like, dining room is currently being used as a family room and features hardwood floors, there is a living room and large foyer for coats and shoes. The second floor has 3 nicely sized bedrooms, a full bath that leads to a finished attic which has mostly recently been used for storage. The shared driveway leads to a garage/outbuilding the perfect place for hobbies or toys. Call today for more information. Buyer to verify all measurements.

3. 2026-04-01
   historical 730-char remark

   Show marketing remark (730 chars)

   This 3 bedroom 1.5 bath spacious home in the heart of Ebensburg borough is walking distance to all businesses that the area has to offer. First floor offers many additional seating areas for you to enjoy your morning coffee/tea, the kitchen is spacious and allows room for a table if you like, dining room is currently being used as a family room and features hardwood floors, there is a living room and large foyer for coats and shoes. The second floor has 3 nicely sized bedrooms, a full bath that leads to a finished attic which has mostly recently been used for storage. The shared driveway leads to a garage/outbuilding the perfect place for hobbies or toys. Call today for more information. Buyer to verify all measurements.

4. 2025-08-22
   listed $159,000 Active 730-char remark

   Show marketing remark (730 chars)

   This 3 bedroom 1.5 bath spacious home in the heart of Ebensburg borough is walking distance to all businesses that the area has to offer. First floor offers many additional seating areas for you to enjoy your morning coffee/tea, the kitchen is spacious and allows room for a table if you like, dining room is currently being used as a family room and features hardwood floors, there is a living room and large foyer for coats and shoes. The second floor has 3 nicely sized bedrooms, a full bath that leads to a finished attic which has mostly recently been used for storage. The shared driveway leads to a garage/outbuilding the perfect place for hobbies or toys. Call today for more information. Buyer to verify all measurements.

ⓘ 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: $1,379 · $115/mo
• Projected year-2 tax: $1,866 · $156/mo
• Expected delta: +$488/yr (+$41/mo · 35.4%)

ⓘ 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 2/10 Low 7 d/yr ≥90°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,301
• − Mortgage interest: −$8,346
• − Property taxes: −$1,379
• − Insurance: −$745
• − Repairs & maintenance: −$1,624
• − Management: −$1,624
• − Depreciation: −$4,335
• Taxable income: $2,248
• Est. tax owed @ 24.0%: −$540
• After-tax cash flow: $3,998/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 Cambria SD
• NCES district ID: 4205340
• Math proficiency: 40% ▼ -10.00%
• Reading proficiency: 55% ▼ -13.00%
• Median HH income: $50,276
• Composite: 40.68/100
• National rank: #3674
• State rank: #225 of 539 in PA

Livability — Ebensburg

• Score: 87/100
• State rank: #53
• US rank: #310

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Ebensburg, PA
• Population (ZIP): 8,852

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 (96%)
• Race & ethnicity: White 96% Black 2% Two or more races 2%
• Common ancestry: Romanian 12% Lithuanian 2% Scotch-Irish 2%
• Foreign-born: 1%
• Languages at home: 98% English-only · Spanish 1%

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: ▼ -54.99%
• Current HPI: 131.3961
• 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

-6.3% since first listed

4 events — show timeline

• 2026-04-08 Relisted — AHARMLS
• 2026-04-08 Price Changed $149,000 AHARMLS
• 2026-04-01 Delisted — AHARMLS
• 2025-08-22 Listed $159,000 AHARMLS

Property tax history

+2.2%/yr

Latest (2026): $1,379 · +2.9% YoY. Source: county tax records.