2076 W Market St · Pottsville, PA 17901

$139,900

3 bd · 1.5 ba · 1,664 sqft · Townhouse public records · 3 Days on market

Built 1922 2,178 sqft lot Est $153k · 9% under

---

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 +11.8/30.0
• ARV discount +11.4/15.0
• 1% rule +6.0/10.0
• Rent growth +3.9/5.0
• Livability +3.8/5.0
• DSCR +3.5/10.0
• Schools +3.1/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Yorkville. Pottsville schools. Move in ready 3 bedroom 1.5 bath semidetached home. Conveniently located close to schools and supermarket. Spacious, open living room with open staircase and decorative brick fireplace. Formal dining room plus a cozy built in dinette nook area in the kitchen. All appliances remain, Off of the kitchen to the rear of the home is a bonus sunroom area plus a deck for your outdoor relaxation and enjoyment. Built-in one car attached garage, plus additional unfinished basement area for storage and laundry area. The second floor offers 3 bedrooms and a full bath. Plus an attic area that can easily be utilized as a 4th bedroom, if needed.

Key facts

• Attached garage
• Bonus sunroom area
• Move in ready

Tags

• MOVE IN READY
• DECORATIVE BRICK FIREPLACE
• BONUS SUNROOM AREA
• DECK FOR OUTDOOR RELAXATION
• BUILT IN DINETTE NOOK
• ATTACHED GARAGE

Property features AI

Finance

• Other: Fee simple ownership; Not in a federal flood zone; Above-grade finished area approximately 1,745 sq ft (estimated)

Exterior

• Parking: Attached basement garage with rear entry (1-car)
• Utilities: Public water; Public sewer; 100 amp electric service with circuit breakers; Municipal trash service; Oil hot water
• Home design: Semi-detached; Estimated year built
• Construction: Frame construction with vinyl siding; Shingle and rubber roof; Concrete perimeter foundation; Above-grade and below-grade structures; Unfinished basement with garage access (poured concrete)
• Exterior features: Deck(s); Lot approximately 20 x 106 (assessor)

Interior

• Kitchen: Electric range/oven; Refrigerator
• Bedrooms: Three bedrooms on the upper level
• Bathrooms: One full bathroom on the upper level; One half bathroom on the main level
• Heating & cooling: Hot water heating; Oil-fired heat
• Interior features: Living room; Dining room; Sun/Florida room; Non-functioning fireplace (1)
• Laundry & utility: Washer and dryer; Basement laundry

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath townhouse listed at $140k.

Deal economics

• At list price, monthly cash flow is $-39 ($-466/yr) — negative.
• To cash-flow at today's rent, offer at most $133k (4.9% below list).
• Meets the 1% rule at list price ($2k rent vs $140k).
• Recommended offer: $133k (4.9% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads 75/100 on livability (#442 in PA, #4,025 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, cost of living A+, housing A+; Watch: commute F, employment F.
• Pottsville Area SD (town): math 29% / reading 46% proficiency, ranked #395 of 539 in PA (top 73%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising fast (+5.7%/yr); 177 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); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 169 units permitted in Schuylkill County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $967 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Schuylkill County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: property tax is 3.9% of price; built in 1922 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $133,035 (4.9% 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 1922 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are B-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?
6. 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?
7. 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.
8. 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.
9. 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: 1.10% ✓
• Cap rate: 5.96%
• Cash-on-cash: -1.19%
• DSCR: 0.95
• GRM: 7.6

CMA / ARV

• ARV (on-the-fly): $153,088
• Comps found: 10

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
9 N 22nd St	0.21mi	3/1.5	1,534 (-8%)	1mo	$170,000	$111	77
1971 W Norwegian St	0.20mi	4/1.5 (+1)	1,648 (-1%)	11mo	$160,201	$97	75
1917 W Market St	0.29mi	4/1.0 (+1)	1,600 (-4%)	16mo	$115,000	$72	60
1919 W Market St	0.28mi	3/1.5	1,472 (-12%)	16mo	$135,000	$92	54
1541 W Norwegian St	0.63mi	3/1.5	1,540 (-8%)	11mo	$135,000	$88	49
1749 West End Ave	0.41mi	3/2.0	1,448 (-13%)	10mo	$132,500	$92	49
226 N 19th St	0.28mi	4/1.5 (+1)	1,500 (-10%)	22mo	$95,000	$63	47
1747 West End Ave	0.42mi	3/1.5	1,448 (-13%)	18mo	$155,000	$107	44
114 S 20th St	0.28mi	3/1.5	1,424 (-14%)	24mo	$143,250	$101	43
1613 W End Ave	0.55mi	3/1.0	1,443 (-13%)	13mo	$91,000	$63	39

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 · 5.7% rent growth · sell at horizon

5-year hold

• IRR: -14.3%
• Equity multiple: 0.47×
• Total profit: $-20,672
• Equity at exit: $20,860

10-year hold

• IRR: -0.6%
• Equity multiple: 0.95×
• Total profit: $-1,843
• Equity at exit: $12,096

Cash invested: $39,172 (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 17901

• Home prices YoY: -21.2%
• Rents YoY: 5.7%
• Active inventory: 177
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $1,533 high
• Mortgage (P&I): −$734
• Tax from tax record: −$458 /mo · $5,492/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$322
• Net cashflow: $-39

Break-even live

Break-even rent $1,582

Max offer price $133,035

Occupancy floor 98%

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: $34,975
• Closing costs: $4,197
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2063 King Ave Pottsville, PA	3.0	2.5	1656	$1,600	$0.97	43d	1	0.03mi
1023 W Market St Pottsville, PA	3.0	1.0	1950	$1,100	$0.56	43d	1	1.08mi
119 S 11th St Pottsville, PA	3.0	1.5	1140	$1,450	$1.27	43d	1	1.11mi
909 Mahantongo St Unit 1 Pottsville, PA	2.0	1.0	1100	$1,200	$1.09	43d	1	1.17mi
631 W Race St Pottsville, PA	3.0	1.0	1340	$1,200	$0.90	43d	1	1.23mi
321 N 3rd St Pottsville, PA	4.0	1.5	1260	$1,400	$1.11	43d	1	1.44mi

Listing history 4 events

1. 2026-06-19
   days on market $139,900 Active 3 DOM
2. 2026-06-18
   days on market $139,900 Active 2 DOM
3. 2026-06-17
   remarks 668-char remark
4. 2026-06-17
   listed $139,900 Active 1 DOM

ⓘ 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: $5,492 · $458/mo
• Projected year-2 tax: $5,492 · $458/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥96°F today · 16 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 8% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,391
• − Mortgage interest: −$7,837
• − Property taxes: −$5,492
• − Insurance: −$700
• − Repairs & maintenance: −$1,471
• − Management: −$1,471
• − Depreciation: −$4,070
• Taxable loss: −$2,649
• Est. tax savings @ 24.0%: +$636
• After-tax cash flow: $170/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: Pottsville Area SD
• NCES district ID: 4219710
• Math proficiency: 29% ▼ -14.00%
• Reading proficiency: 46% ▼ -12.00%
• Median HH income: $39,157
• Composite: 31.32/100
• National rank: #6002
• State rank: #395 of 539 in PA

Livability — Pottsville

• Score: 75/100
• State rank: #442
• US rank: #4025

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pottsville, PA
• County: Schuylkill County · 22,371 people
• City population: 22,371
• Metro: Pottsville, PA
• Population (ZIP): 22,371
• Household income: $62,484
• Rent vs Own: 29.9% rent · 70.1% own
• Severe rent burden: 622.0

Population outlook (Schuylkill County) Hauer SSP2

• Today (2025): 137,447 people
• By 2030: 133,121 · -3.1%
• By 2040: 124,172 · -9.7%
• By 2050: 115,611 · -15.9%
• By 2075: 100,796 · -26.7%
• By 2100: 86,667 · -36.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (90%)
• Race & ethnicity: White 90% Hispanic / Latino 5% Two or more races 3% Black 2%
• Common ancestry: Romanian 9% Iranian 5% Subsaharan African 3%
• Foreign-born: 1% · Canada
• Languages at home: 96% English-only · Spanish 2% German/W. Germanic 1% French/Haitian/Cajun 1%

Political lean MEDSL · Schuylkill

• 2024 margin: Solid R (+42.1) · D 28.5% · R 70.6%
• 2008→2024 swing: -33.4pp toward R · 2008: -8.7pp · 2024: -42.1pp
• All cycles: 2024: R+42.1 2020: R+39.9 2016: R+43.4 2012: R+13.4 2008: R+8.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -54.14%
• Current HPI: 200.6516
• Rent YoY: ▲ 5.70%
• Metro: Pottsville, 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

1 event — show timeline

• 2026-06-16 Listed $139,900 BRIGHT MLS

Property tax history

+9.6%/yr

Latest (2026): $5,492 · +102.2% YoY. Source: county tax records.