6724 Somerset St · Rutherford, PA 17111

$160,000

2 bd · 1.5 ba · 1,232 sqft · Townhouse public records · 6 Days on market

Built 1915 3,485 sqft lot Est $216k · 26% 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 +26.6/30.0
• ARV discount +15.0/15.0
• DSCR +9.1/10.0
• 1% rule +6.4/10.0
• 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

Nice, affordable duplex home located on a quite street. Large eat-in-kitchen with pantry, good cabinet and counter space, laundry closet and access to nice deck and backyard. Corner cupboard stays. Very large dining room/living room combination. Roof is 6 years old, and exterior is vinyl siding. All appliances are included.

Key facts

• New kitchen
• Fresh paint
• New carpet

Tags

• NEW CARPET
• FRESH PAINT
• NEW CABINETS
• NEW KITCHEN
• SPACIOUS LIVING ROOM
• DECK

Property features AI

Finance

• Other: Fee simple ownership
• HOA & community: Ground rent paid annually

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer; 100 amp electric service; Electric hot water; Cable TV available; Phone service available
• Home design: Semi-detached structure; Two floors; Entry level: 1; Main entrance faces south; Level lot
• Construction: Brick construction; Stone foundation
• Exterior features: Sidewalks; Partially fenced yard; Deck(s); Porch(es); Shed

Interior

• Kitchen: Eat-in kitchen; Pantry
• Bedrooms: Three bedrooms on the upper level
• Flooring: Carpet; Vinyl
• Bathrooms: One full bathroom on upper level; One half bathroom on main level
• Heating & cooling: Forced air heating (oil-fired); Window cooling units
• Interior features: Ceiling fans; Combination dining and living area; Eat-in kitchen; Pantry; 5 total rooms
• Laundry & utility: Laundry on main floor

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath townhouse listed at $160k.

Deal economics

• At list price, monthly cash flow is $429 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $160k).

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; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 540 units permitted in Dauphin County in 2024 (194 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.
• At projected returns (-3.0% appreciation + 3.8% rent growth), your $45k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 21y 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 $80k; list at $160k implies a 100% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1915 — 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 $160,000

Questions for the listing agent

1. Built in 1915 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 9.51%
• Cash-on-cash: 11.49%
• DSCR: 1.51
• GRM: 7.3

CMA / ARV

• ARV (on-the-fly): $215,600
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
210 N 67th St	0.09mi	3/1.0 (+1)	1,280 (+4%)	3mo	$169,000	$132	80
6861 Huntingdon St	0.11mi	3/1.0 (+1)	1,220 (-1%)	12mo	$180,000	$148	76
6755 Somerset St	0.03mi	3/1.0 (+1)	1,120 (-9%)	7mo	$180,000	$161	71
7237 Huntingdon St	0.37mi	2/2.5	1,308 (+6%)	2mo	$240,000	$183	67
260 N 67th St	0.08mi	3/1.5 (+1)	1,376 (+12%)	12mo	$184,900	$134	62
73 N 72nd St	0.34mi	2/1.5	1,120 (-9%)	9mo	$210,000	$188	61
7214 Huntingdon St	0.32mi	2/2.5	1,374 (+12%)	2mo	$240,000	$175	60
7100 Clearfield St	0.28mi	3/1.0 (+1)	1,080 (-12%)	2mo	$190,000	$176	58
6980 Clearfield St	0.21mi	3/1.0 (+1)	1,400 (+14%)	7mo	$168,000	$120	55
7246 Huntingdon St	0.38mi	2/2.5	1,374 (+12%)	8mo	$222,900	$162	53
7951 Jefferson St	0.74mi	3/1.5 (+1)	1,224 (-1%)	8mo	$227,500	$186	52
7258 Clearfield St	0.43mi	2/2.5	1,374 (+12%)	8mo	$250,000	$182	50

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: 1.6%
• Equity multiple: 1.06×
• Total profit: $2,779
• Equity at exit: $23,857

10-year hold

• IRR: 11.9%
• Equity multiple: 1.97×
• Total profit: $43,355
• Equity at exit: $13,834

Cash invested: $44,800 (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: 7.3×

Monthly cashflow live

• Estimated rent: $1,826 high
• Mortgage (P&I): −$839
• Tax from tax record: −$108 /mo · $1,297/yr
• Insurance: −$67
• HOA: −$0
• Vacancy / Maint / Mgmt: −$384
• Net cashflow: $429

Break-even live

Break-even rent $1,283

Max offer price $160,000

Occupancy floor 72%

Sensitivity live

Price	-10% $520	-5% $474	+0% $429	+5% $384	+10% $338
Rent	-10% $285	-5% $357	+0% $429	+5% $501	+10% $573
Rate	-1.0pp $510	-0.5pp $470	base $429	+0.5pp $388	+1.0pp $345

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: $40,000
• Closing costs: $4,800
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
50 N 67th St Unit 3 Harrisburg, PA	2.0	1.0	770	$1,525	$1.98	44d	1	0.17mi
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
7466 Stephen Dr Harrisburg, PA	2.0–3.0	2.5	1626	$1,789	$1.10	14d	1	0.59mi
54 N 62nd St Unit 1 Harrisburg, PA	3.0	2.0	1340	$1,750	$1.31	14d	1	0.63mi
303 Hamilton Cir Harrisburg, PA	2.0	1.5	1096	$1,576	$1.44	14d	2	1.44mi

Listing history 6 events

1. 2026-06-13
   statusdays on market $160,000 Pending 6 DOM
2. 2026-06-10
   days on market $160,000 Active 5 DOM
3. 2026-06-09
   days on market $160,000 Active 4 DOM
4. 2026-06-08
   days on market $160,000 Active 3 DOM
5. 2026-06-07
   remarks 375-char remark
6. 2026-06-07
   listed $160,000 Active 2 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: $1,297 · $108/mo
• Projected year-2 tax: $1,913 · $159/mo
• Expected delta: +$615/yr (+$51/mo · 47.4%)

ⓘ 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 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: $21,917
• − Mortgage interest: −$8,962
• − Property taxes: −$1,297
• − Insurance: −$800
• − Repairs & maintenance: −$1,753
• − Management: −$1,753
• − Depreciation: −$4,655
• Taxable income: $2,696
• Est. tax owed @ 24.0%: −$647
• After-tax cash flow: $4,502/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

+92.8% since first listed

9 events — show timeline

• 2026-06-05 Listed $160,000 BRIGHT MLS
• 2018-11-14 Sold (Public Records) $80,000 Public Records
• 2018-11-06 Sold (MLS) $80,000 BRIGHT MLS
• 2018-10-18 Pending — BRIGHT MLS
• 2018-08-16 Price Changed $85,900 BRIGHT MLS
• 2018-06-12 Listed $89,900 BRIGHT MLS
• 2005-08-30 Sold (Public Records) $84,000 Public Records
• 2005-08-29 Sold (MLS) $84,000 BRIGHT MLS
• 2005-08-01 Listed $83,000 BRIGHT MLS

Property tax history

+1.9%/yr

Latest (2026): $1,297 · +5.5% YoY. Source: county tax records.