6728 Huntingdon St · Rutherford, PA 17111

$150,000

3 bd · 2.5 ba · 1,760 sqft · Townhouse public records · 4 Days on market

Built 1905 3,920 sqft lot Est $245k · 39% under

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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
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.8/10.0
• Schools +3.6/10.0
• Rent growth +3.4/5.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Large Updated Rutherford Duplex. Nice addition added on to the back of this duplex adds a lot of living space to the master bedroom (with balcony) and kitchen. Kitchen boasts not only size, but ceramic tile flooring, updated cabinets & counters, 1/2 bath, and access to private back patio. Newly installed flooring in the open living room. Brand new carpet & renovated main bathroom & master bathroom. Updated windows throughout. All of the work has been done for you which makes this home move in ready. Call today for your tour!

Key facts

• Twin home
• Off street parking
• Inviting patio

Tags

• TWIN HOME
• CHAMBERS HILL NEIGHBORHOOD
• HISTORIC CHARACTER
• UNFINISHED FULL BASEMENT
• INVITING PATIO
• OFF STREET PARKING

Property features AI

Exterior

• Parking: Off-street parking; On-street parking
• Utilities: Public water; Public sewer; Natural gas available
• Home design: Semi-detached structure; Three total levels; Estimated year built
• Construction: Frame construction; Block foundation
• Exterior features: Patio(s), porch(es), and balcony; Not in a federal flood zone; Ground rent paid annually

Interior

• Kitchen: Kitchen (appliances not specified)
• Bedrooms: Three bedrooms on the first upper level
• Bathrooms: Two full bathrooms; One half bathroom on the main level
• Heating & cooling: Baseboard hot water heating; Window air conditioning units; Heating and hot water fueled by natural gas
• Interior features: Good condition; 10 total rooms; Unfinished full basement
• Laundry & utility: Washer and dryer in unit; Laundry area in basement

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath townhouse listed at $150k.

Deal economics

• At list price, monthly cash flow is $657 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $150k).

Location & tenants

• Location reads 67/100 on livability (#1,007 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, employment A-; Watch: amenities F, commute F, health & safety F.
• Central Dauphin SD (suburban): math 30% / reading 52% proficiency, ranked #305 of 539 in PA (top 57%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Rutherford El Sch (math 22% / reading 47%, grade F, #1,049 of 1,518 statewide, top 71%, 441 students, 100% FRL); Central Dauphin East Ms (math 11% / reading 42%, grade F, #410 of 512 statewide, top 80%, 779 students, 99% FRL); Central Dauphin East Shs (math 50% / reading 15%, grade F, #330 of 437 statewide, top 76%, 1,590 students, 100% FRL) — zoned schools average 100% FRL vs 33% district-wide (67 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+3.8%/yr); 178 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); 43% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 540 units permitted in Dauphin County in 2024 (194 in 5+ unit buildings).
• This rent runs 31% of the median local income ($86k/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.
• At projected returns (-3.0% appreciation + 3.8% rent growth), your $42k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 8y 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 $121k; 24% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo; built in 1905 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $150,000

Questions for the listing agent

1. Built in 1905 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 1.48% ✓
• Cap rate: 12.00%
• Cash-on-cash: 20.36%
• DSCR: 1.91
• GRM: 5.6

CMA / ARV

• ARV (on-the-fly): $244,640
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7120 Huntingdon St	0.24mi	3/2.5	1,802 (+2%)	13mo	$210,000	$117	74
7280 Huntingdon St	0.45mi	3/2.5	1,653 (-6%)	6mo	$240,000	$145	64
161 Kristy Ln	0.51mi	3/2.0	1,694 (-4%)	9mo	$259,900	$153	61
7761 Jefferson St	0.65mi	3/1.5	1,819 (+3%)	10mo	$205,000	$113	52
7240 Huntingdon St	0.38mi	2/2.5 (-1)	1,533 (-13%)	19mo	$225,000	$147	40
7563 Stephen Dr	0.53mi	3/2.5	1,496 (-15%)	13mo	$249,900	$167	40
7211 Clearfield St	0.35mi	2/2.5 (-1)	2,014 (+14%)	18mo	$234,000	$116	39
7213 Clearfield St	0.35mi	2/1.5 (-1)	2,014 (+14%)	15mo	$245,000	$122	38
112 Kristy Ln	0.48mi	2/2.5 (-1)	1,544 (-12%)	19mo	$214,900	$139	36
7881 Jefferson St	0.72mi	3/1.5	1,524 (-13%)	8mo	$226,500	$149	34
7559 Stephen Dr	0.53mi	2/2.5 (-1)	1,520 (-14%)	19mo	$205,000	$135	32
7742 Jefferson St	0.64mi	3/1.5	1,524 (-13%)	19mo	$208,000	$136	28

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 · 3.76% rent growth · sell at horizon

5-year hold

• IRR: 11.5%
• Equity multiple: 1.46×
• Total profit: $19,336
• Equity at exit: $22,365

10-year hold

• IRR: 21.1%
• Equity multiple: 2.86×
• Total profit: $78,164
• 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 17111

• Rents YoY: 3.8%
• Active inventory: 178
• Price-to-rent: 5.6×

Monthly cashflow live

• Estimated rent: $2,222 high
• Mortgage (P&I): −$787
• Tax from tax record: −$194 /mo · $2,327/yr
• Insurance: −$62
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$467
• Net cashflow: $657

Break-even live

Break-even rent $1,391

Max offer price $150,000

Occupancy floor 65%

Sensitivity live

Price	-10% $742	-5% $700	+0% $657	+5% $615	+10% $572
Rent	-10% $482	-5% $569	+0% $657	+5% $745	+10% $833
Rate	-1.0pp $733	-0.5pp $695	base $657	+0.5pp $618	+1.0pp $579

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 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6550 Somerset St Harrisburg, PA	3.0	2.0	1488	$2,250	$1.51	14d	1	0.19mi
7214 Huntingdon St Harrisburg, PA	2.0	2.5	1374	$1,900	$1.38	44d	1	0.33mi
7546 Stephen Dr Harrisburg, PA	3.0	2.5	1740	$2,050	$1.18	44d	1	0.57mi
7466 Stephen Dr Harrisburg, PA	2.0–3.0	2.5	1626	$2,399	$1.47	14d	1	0.60mi
7466 Stephen Dr Harrisburg, PA	3.0	2.5	2000	$2,499	$1.25	45d	1	0.60mi
54 N 62nd St Unit 1 Harrisburg, PA	3.0	2.0	1340	$1,750	$1.31	14d	1	0.60mi
6226 Lehigh Ave Harrisburg, PA	4.0	4.0	2128	$2,975	$1.40	14d	1	0.61mi

Listing history 7 events

1. 2026-05-14
   status Pending
2. 2026-05-10
   listed $150,000 Active
3. 2018-04-16
   soldstatus $121,000 548-char remark

   Show marketing remark (548 chars)

   Large Updated Rutherford Duplex. Nice addition added on to the back of this duplex adds a lot of living space to the master bedroom (with balcony) and kitchen. Kitchen boasts not only size, but ceramic tile flooring, updated cabinets & counters, 1/2 bath, and access to private back patio. Newly installed flooring in the open living room. Brand new carpet & renovated main bathroom & master bathroom. Updated windows throughout. All of the work has been done for you which makes this home move in ready. Call today for your tour!

4. 2018-03-05
   historical 548-char remark

   Show marketing remark (548 chars)

   Large Updated Rutherford Duplex. Nice addition added on to the back of this duplex adds a lot of living space to the master bedroom (with balcony) and kitchen. Kitchen boasts not only size, but ceramic tile flooring, updated cabinets & counters, 1/2 bath, and access to private back patio. Newly installed flooring in the open living room. Brand new carpet & renovated main bathroom & master bathroom. Updated windows throughout. All of the work has been done for you which makes this home move in ready. Call today for your tour!

5. 2018-03-03
   listed $119,900 548-char remark

   Show marketing remark (548 chars)

   Large Updated Rutherford Duplex. Nice addition added on to the back of this duplex adds a lot of living space to the master bedroom (with balcony) and kitchen. Kitchen boasts not only size, but ceramic tile flooring, updated cabinets & counters, 1/2 bath, and access to private back patio. Newly installed flooring in the open living room. Brand new carpet & renovated main bathroom & master bathroom. Updated windows throughout. All of the work has been done for you which makes this home move in ready. Call today for your tour!

6. 2017-06-28
   soldstatus $55,000
7. 1996-03-20
   soldstatus $67,000

ⓘ 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: $2,327 · $194/mo
• Projected year-2 tax: $2,348 · $196/mo
• Expected delta: +$22/yr (+$2/mo · 0.9%)

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

Climate risk First Street

• 🌊 Flood 8/10 Severe FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥100°F today · 15 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 7% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,670
• − Mortgage interest: −$8,402
• − Property taxes: −$2,327
• − Insurance: −$1,416
• − Repairs & maintenance: −$2,134
• − Management: −$2,134
• − Depreciation: −$4,364
• Taxable income: $5,894
• Est. tax owed @ 24.0%: −$1,414
• After-tax cash flow: $6,472/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 Dauphin SD
• NCES district ID: 4205400
• Math proficiency: 30% ▼ -12.00%
• Reading proficiency: 52% ▼ -7.00%
• Median HH income: $62,792
• Composite: 36.46/100
• National rank: #4664
• State rank: #305 of 539 in PA

Livability — Rutherford

• Score: 67/100
• State rank: #1007
• US rank: #11116

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Rutherford, PA
• County: Dauphin County · 247,857 people
• City population: 35,818
• Metro: Harrisburg-Carlisle, PA
• Population (ZIP): 36,744
• Household income: $86,385
• Rent vs Own: 33.5% rent · 66.5% own
• Severe rent burden: 756.0

Population outlook (Dauphin County) Hauer SSP2

• Today (2025): 281,628 people
• By 2030: 283,549 · +0.7%
• By 2040: 285,385 · +1.3%
• By 2050: 286,188 · +1.6%
• By 2075: 291,053 · +3.3%
• By 2100: 282,374 · +0.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.65)
• Race & ethnicity: White 53% Black 22% Asian 13% Hispanic / Latino 8% Two or more races 6%
• Hispanic origin (detail): Mexican 1% Puerto Rican 4%
• Common ancestry: Romanian 4% Lithuanian 1% Serbian 1%
• Foreign-born: 14% · India, Canada, Vietnam
• Languages at home: 83% English-only · Other Indo-European 7% Spanish 6% Vietnamese 1%

Political lean MEDSL · Dauphin

• 2024 margin: Lean D (+5.9) · D 52.4% · R 46.5% · Other 1.1%
• 2008→2024 swing: -3.1pp toward R · 2008: 9.1pp · 2024: 5.9pp
• All cycles: 2024: D+5.9 2020: D+8.5 2016: D+2.8 2012: D+6.0 2008: D+9.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -140.67%
• Current HPI: 236.6936
• Rent YoY: ▲ 3.76%
• Metro: Harrisburg-Carlisle, 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

+123.9% since first listed

7 events — show timeline

• 2026-05-14 Pending — BRIGHT MLS
• 2026-05-10 Listed $150,000 BRIGHT MLS
• 2018-04-16 Sold (MLS) $121,000 BRIGHT MLS
• 2018-03-05 Listing Removed — BRIGHT MLS
• 2018-03-03 Listed $119,900 BRIGHT MLS
• 2017-06-28 Sold (Public Records) $55,000 Public Records
• 1996-03-20 Sold (Public Records) $67,000 Public Records

Property tax history

+1.9%/yr

Latest (2026): $2,327 · +5.5% YoY. Source: county tax records.