1353 Howard St · Harrisburg, PA 17104

$129,900

3 bd · 1.0 ba · 1,086 sqft · SingleFamily public records · 179 Days on market

Built 1914 871 sqft lot $120/sqft · 9% below area Est $143k · 9% under ↓ 13% since listing

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Why this score? — see what drove the C+ 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 +26.0/30.0
• ARV discount +11.5/15.0
• DSCR +8.7/10.0
• 1% rule +6.6/10.0
• Livability +4.2/5.0
• Rent growth +3.6/5.0
• Condition / age +2.5/5.0
• Schools +0.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 1353 Howard St a beautifully renovated 3 bedroom home that’s completely move in ready. Enjoy peace of mind with a roof that’s only 5 years old and a new HVAC system installed just 6 months ago. This home features fresh paint throughout, brand new flooring, and a finished basement that adds extra living or storage space. The fenced in backyard is perfect for outdoor enjoyment, pets, or entertaining. Whether you're a first time homebuyer (ask about potential programs you may qualify for!) or an investor seeking a great rental opportunity, this property checks all the boxes. Call for more details!!!

Key facts

• Renovated
• Fenced in backyard
• Finished basement

Tags

• RENOVATED
• MOVE IN READY
• NEW HVAC SYSTEM
• FINISHED BASEMENT
• FENCED IN BACKYARD

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $130k.

Deal economics

• At list price, monthly cash flow is $322 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $130k).
• Recommended offer: $114k (12.0% below list) — sets the bar for market timing.
• Cap rate 9.3% vs local median 6.7% in Harrisburg — 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 84/100 on livability (#107 in PA, #826 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: schools C-, employment D, crime F.
• Harrisburg City SD (urban): math 6% / reading 13% proficiency, ranked #535 of 539 in PA (top 99%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 82% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+4.4%/yr); 69 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 42% of comp listings sitting > 30 days — soft ceiling on asking rent; 540 units permitted in Dauphin County in 2024 (194 in 5+ unit buildings).
• This rent runs 39% of the median local income ($47k/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 $898 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 4.4% rent growth), your $36k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 179 days — a 12% lower offer ($114k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1914 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $114,312 (12.0% below list)

Questions for the listing agent

1. It's been on market 179 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1914 — 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. 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?
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: 1.16% ✓
• Cap rate: 9.27%
• Cash-on-cash: 10.62%
• DSCR: 1.47
• GRM: 7.2

CMA / ARV

• ARV (median comp): $142,558
• List price: $129,900
• Delta: -8.88%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1415 Zarker St	0.06mi	3/1.0	1,197 (+10%)	22mo	$81,000	$68	62

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 · 4.43% rent growth · sell at horizon

5-year hold

• IRR: 1.2%
• Equity multiple: 1.05×
• Total profit: $1,647
• Equity at exit: $19,369

10-year hold

• IRR: 12.1%
• Equity multiple: 2.02×
• Total profit: $37,116
• Equity at exit: $11,231

Cash invested: $36,372 (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 17104

• Home prices YoY: -6.3%
• Rents YoY: 4.4%
• Active inventory: 69
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $1,504 high
• Mortgage (P&I): −$681
• Tax from tax record: −$131 /mo · $1,574/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$316
• Net cashflow: $322

Break-even live

Break-even rent $1,097

Max offer price $129,900

Occupancy floor 74%

Sensitivity live

Price	-10% $395	-5% $359	+0% $322	+5% $285	+10% $248
Rent	-10% $203	-5% $262	+0% $322	+5% $381	+10% $441
Rate	-1.0pp $387	-0.5pp $355	base $322	+0.5pp $288	+1.0pp $254

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: $32,475
• Closing costs: $3,897
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1251 Bailey St Harrisburg, PA	3.0	1.0	1200	$1,500	$1.25	45d	1	0.18mi
1207 Market St Harrisburg, PA	4.0	1.5	1423	$1,995	$1.40	45d	1	0.19mi
21 Summit St Harrisburg, PA	3.0	1.0	1200	$1,550	$1.29	15d	1	0.24mi
1517 Walnut St Harrisburg, PA	3.0	1.0	1172	$1,150	$0.98	45d	1	0.26mi
337 S 15th St Harrisburg, PA	3.0	1.0	1440	$1,195	$0.83	22d	1	0.28mi
1139 Mulberry St Harrisburg, PA	1.0–3.0	1.0	900	$1,185	$1.32	45d	1	0.30mi
52 N 18th St Harrisburg, PA	3.0	1.0	1100	$1,250	$1.14	15d	1	0.35mi
1429 Naudain St Harrisburg, PA	3.0	1.0	1254	$1,400	$1.12	24d	1	0.47mi
1615 Naudain St Harrisburg, PA	3.0	1.0	1148	$1,400	$1.22	45d	1	0.49mi
916 May St Harrisburg, PA	2.0	1.5	810	$1,250	$1.54	15d	1	0.64mi
2016 Swatara St Harrisburg, PA	3.0	1.0	1380	$1,175	$0.85	45d	1	0.64mi
301 Chestnut St Harrisburg, PA	1.0–4.0	1.0–2.5	1437	$2,097	$1.46	45d	1	0.66mi
301 Chestnut St Harrisburg, PA	4.0	1.0–2.5	1437	$2,525	$1.76	15d	10	0.66mi
200 S Court St Harrisburg, PA	1.0–3.0	1.0–2.5	950	$1,800	$1.89	15d	14	0.68mi
319 Market St Harrisburg, PA	2.0	1.5	990	$1,135	$1.15	45d	1	0.68mi
101 S 2nd St Harrisburg, PA	2.0	1.0	736	$1,749	$2.37	15d	32	0.73mi
2121 Kensington St Harrisburg, PA	3.0	1.0	1088	$1,450	$1.33	45d	1	0.79mi
210 Walnut St Unit 206 Harrisburg, PA	2.0	1.0	1007	$1,695	$1.68	15d	1	0.84mi
1728 Paxton St Harrisburg, PA	3.0	1.5	1320	$1,295	$0.98	15d	1	0.86mi
660 Boas St Harrisburg, PA	2.0	1.0–2.0	800	$1,574	$1.97	15d	21	0.91mi
919 Grand St Harrisburg, PA	2.0	1.5	1116	$1,695	$1.52	24d	1	0.93mi
918 Grand St Harrisburg, PA	3.0	1.5	890	$1,450	$1.63	45d	1	0.94mi
116 Pine St Harrisburg, PA	1.0–2.0	1.0–2.0	900	$1,638	$1.82	15d	14	0.99mi
923 N 3rd St Unit 1 Harrisburg, PA	2.0	1.0	853	$1,495	$1.75	24d	1	1.00mi
122 State St Apt 2 Harrisburg, PA	2.0	1.0	1250	$1,725	$1.38	15d	1	1.05mi
612 N 2nd St Apt 3 Harrisburg, PA	2.0	1.0	1100	$1,545	$1.40	45d	1	1.07mi
612 N 2nd St Apt 2 Harrisburg, PA	2.0	1.0	1050	$1,445	$1.38	45d	1	1.07mi
711 N 2nd St Apt 2 Harrisburg, PA	2.0	1.0	1400	$1,595	$1.14	45d	1	1.07mi
618 N 2nd St Harrisburg, PA	2.0	1.0	1000	$1,050	$1.05	24d	1	1.08mi
719 N 2nd St Apt 6 Harrisburg, PA	2.0	1.0	1000	$1,150	$1.15	15d	1	1.08mi
2410 Kensington St Harrisburg, PA	3.0	1.0	1024	$1,495	$1.46	45d	1	1.08mi
1116 N 3rd St Unit 3 Harrisburg, PA	2.0	1.0	1100	$1,375	$1.25	24d	1	1.10mi
919 Penn St Harrisburg, PA	3.0	2.0	1458	$1,795	$1.23	24d	1	1.10mi
649 S 23rd St Harrisburg, PA	3.0	1.0	1450	$1,465	$1.01	22d	1	1.11mi
649 S 23rd St Unit 1 Harrisburg, PA	3.0	1.0	1450	$1,465	$1.01	45d	1	1.11mi
273 Cumberland St Harrisburg, PA	2.0	1.0	865	$1,595	$1.84	15d	1	1.11mi
920 N 2nd St Unit 1 Harrisburg, PA	2.0	1.0	900	$1,475	$1.64	15d	1	1.15mi
1211 Green St Apt 2 Harrisburg, PA	2.0	1.0	850	$1,095	$1.29	24d	1	1.17mi
1122 Green St #14 Harrisburg, PA	2.0	1.0	918	$1,895	$2.06	45d	1	1.17mi
1008 N 2nd St Unit 2 Harrisburg, PA	2.0	1.0	1410	$1,295	$0.92	45d	1	1.19mi

Listing history 8 events

1. 2026-06-03
   days on market $129,900 Active 179 DOM
2. 2026-06-02
   days on market $129,900 Active 178 DOM
3. 2026-06-01
   days on market $129,900 Active 177 DOM
4. 2026-05-31
   days on market $129,900 Active 176 DOM
5. 2026-05-31
   days on market $129,900 Active 175 DOM
6. 2026-03-28
   price $138,500 626-char remark

   Show marketing remark (626 chars)

   Welcome to 1353 Howard St a beautifully renovated 3 bedroom home that’s completely move in ready. Enjoy peace of mind with a roof that’s only 5 years old and a new HVAC system installed just 6 months ago. This home features fresh paint throughout, brand new flooring, and a finished basement that adds extra living or storage space. The fenced in backyard is perfect for outdoor enjoyment, pets, or entertaining. Whether you're a first time homebuyer (ask about potential programs you may qualify for!) or an investor seeking a great rental opportunity, this property checks all the boxes. Call for more details!!!

7. 2026-02-10
   price $148,000 626-char remark

   Show marketing remark (626 chars)

   Welcome to 1353 Howard St a beautifully renovated 3 bedroom home that’s completely move in ready. Enjoy peace of mind with a roof that’s only 5 years old and a new HVAC system installed just 6 months ago. This home features fresh paint throughout, brand new flooring, and a finished basement that adds extra living or storage space. The fenced in backyard is perfect for outdoor enjoyment, pets, or entertaining. Whether you're a first time homebuyer (ask about potential programs you may qualify for!) or an investor seeking a great rental opportunity, this property checks all the boxes. Call for more details!!!

8. 2025-12-06
   listed $158,900 Active 626-char remark

   Show marketing remark (626 chars)

   Welcome to 1353 Howard St a beautifully renovated 3 bedroom home that’s completely move in ready. Enjoy peace of mind with a roof that’s only 5 years old and a new HVAC system installed just 6 months ago. This home features fresh paint throughout, brand new flooring, and a finished basement that adds extra living or storage space. The fenced in backyard is perfect for outdoor enjoyment, pets, or entertaining. Whether you're a first time homebuyer (ask about potential programs you may qualify for!) or an investor seeking a great rental opportunity, this property checks all the boxes. Call for more details!!!

ⓘ 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: $1,574 · $131/mo
• Projected year-2 tax: $1,813 · $151/mo
• Expected delta: +$239/yr (+$20/mo · 15.2%)

ⓘ 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 6/10 Major 7 d/yr ≥100°F today · 15 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 6% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,051
• − Mortgage interest: −$7,276
• − Property taxes: −$1,574
• − Insurance: −$650
• − Repairs & maintenance: −$1,444
• − Management: −$1,444
• − Depreciation: −$3,779
• Taxable income: $1,884
• Est. tax owed @ 24.0%: −$452
• After-tax cash flow: $3,410/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: Harrisburg City SD
• NCES district ID: 4211580
• Math proficiency: 6% ▼ -6.00%
• Reading proficiency: 13% ▼ -10.00%
• Median HH income: $33,432
• Composite: 7.6/100
• National rank: #9945
• State rank: #535 of 539 in PA

Livability — Harrisburg

• Score: 84/100
• State rank: #107
• US rank: #826

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Harrisburg, PA
• County: Dauphin County · 247,857 people
• City population: 184,296
• Metro: Harrisburg-Carlisle, PA
• Population (ZIP): 18,541
• Household income: $46,510
• Rent vs Own: 54.4% rent · 45.6% own
• Severe rent burden: 1166.0

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 0.69)
• Race & ethnicity: Black 44% Hispanic / Latino 29% White 19% Two or more races 12% Asian 3% Native American 1%
• Hispanic origin (detail): Puerto Rican 21% Dominican 6%
• Common ancestry: Polish 1% Romanian 1% Slovak 1%
• Foreign-born: 10% · Canada, China, Vietnam
• Languages at home: 73% English-only · Spanish 21% Other Indo-European 1% Chinese 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: ▼ -22.83%
• Current HPI: 340.2808
• Rent YoY: ▲ 4.43%
• 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

-12.8% since first listed

3 events — show timeline

• 2026-03-28 Price Changed $138,500 BRIGHT MLS
• 2026-02-10 Price Changed $148,000 BRIGHT MLS
• 2025-12-06 Listed $158,900 BRIGHT MLS

Property tax history

+0.9%/yr

Latest (2026): $1,574 · +1.5% YoY. Source: county tax records.