6481 Chambers Hill Rd · Rutherford, PA 17111

$154,900

3 bd · 1.0 ba · 1,278 sqft · SingleFamily public records · 155 Days on market

Built 1930 0.39 ac lot $121/sqft · 35% below area Est $239k · 35% 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 +28.7/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +7.8/10.0
• 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

Attention investors and rehab specialists: this property presents a strong value-add opportunity with significant upside potential. Currently configured as a 2-bedroom, 1-bath home, the layout allows for strategic expansion to increase after-repair value. There is clear potential to add a convenient half bath on the main level and finish the third floor to create an additional bedroom, transforming the property into a 3-bedroom, 1.5-bath home. Located within the highly regarded Central Dauphin School District, this property is well-positioned for resale demand following renovation. The existing structure provides a solid foundation for improvements, making it an ideal candidate for investors seeking a fix-and-flip project or value-add renovation with strong profit margins. Bring your vision, execute targeted upgrades, and capitalize on the upside this property offers.

Key facts

• 0.39 acre lot
• 2 parking spots
• Built 1930

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $155k.

Deal economics

• At list price, monthly cash flow is $513 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $155k).
• Recommended offer: $136k (12.0% below list) — sets the bar for market timing.
• Cap rate 10.3% vs local median 4.8% in Rutherford — 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 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: schools D-, amenities F, commute 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.
• Market conditions: Rents rising (+3.8%/yr); 185 active listings in the ZIP; 8 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 $43k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 155 days — a 12% lower offer ($136k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts; this cycle's ask has dropped $25k (14%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1930 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 6→13/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $136,312 (12.0% below list)

Questions for the listing agent

1. It's been on market 155 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 1930 — 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. 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?
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: 1.28% ✓
• Cap rate: 10.27%
• Cash-on-cash: 14.20%
• DSCR: 1.63
• GRM: 6.5

CMA / ARV

• ARV (median comp): $238,544
• List price: $154,900
• Delta: -35.06%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6221 Hocker	0.21mi	4/2.5 (+1)	1,246 (-2%)	7mo	$265,000	$213	69
7090 Chambers Hill Rd	0.50mi	2/1.0 (-1)	1,346 (+5%)	12mo	$199,900	$149	53
6114 Derry St	0.66mi	2/1.0 (-1)	1,282 (+0%)	16mo	$240,000	$187	51
6131 Hocker Dr	0.39mi	4/2.5 (+1)	1,276 (-0%)	24mo	$333,000	$261	50
601 Beck Cir	0.41mi	3/2.5	1,372 (+7%)	18mo	$305,000	$222	48
730 Cockley Rd	0.39mi	3/2.0	1,469 (+15%)	21mo	$250,000	$170	36
6520 Derry St	0.69mi	4/2.0 (+1)	1,440 (+13%)	6mo	$180,000	$125	33

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: 5.4%
• Equity multiple: 1.21×
• Total profit: $9,134
• Equity at exit: $23,096

10-year hold

• IRR: 15.5%
• Equity multiple: 2.30×
• Total profit: $56,470
• Equity at exit: $13,393

Cash invested: $43,372 (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 17111

• Rents YoY: 3.8%
• Active inventory: 185
• Price-to-rent: 6.5×

Monthly cashflow live

• Estimated rent: $1,978 high
• Mortgage (P&I): −$812
• Tax from tax record: −$172 /mo · $2,065/yr
• Insurance: −$65
• HOA: −$0
• Vacancy / Maint / Mgmt: −$415
• Net cashflow: $513

Break-even live

Break-even rent $1,328

Max offer price $154,900

Occupancy floor 69%

Sensitivity live

Price	-10% $601	-5% $557	+0% $513	+5% $469	+10% $426
Rent	-10% $357	-5% $435	+0% $513	+5% $591	+10% $670
Rate	-1.0pp $591	-0.5pp $553	base $513	+0.5pp $473	+1.0pp $432

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: $38,725
• Closing costs: $4,647
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
54 N 62nd St Unit 1 Harrisburg, PA	3.0	2.0	1340	$1,750	$1.31	15d	1	0.68mi
747 Garden Dr Harrisburg, PA	2.0	1.0	1170	$1,725	$1.47	15d	1	0.80mi
6550 Somerset St Harrisburg, PA	3.0	2.0	1488	$2,250	$1.51	15d	1	0.90mi
5069 Stacey Dr E Harrisburg, PA	1.0–3.0	1.0–2.0	942	$1,650	$1.75	15d	9	1.10mi
7214 Huntingdon St Harrisburg, PA	2.0	2.5	1374	$1,900	$1.38	44d	1	1.12mi
303 Hamilton Cir Harrisburg, PA	2.0	1.5	1096	$1,576	$1.44	15d	2	1.16mi
7546 Stephen Dr Harrisburg, PA	3.0	2.5	1740	$2,050	$1.18	44d	1	1.29mi
7466 Stephen Dr Harrisburg, PA	2.0–3.0	2.5	1626	$2,399	$1.47	15d	1	1.37mi

Listing history 29 events

1. 2026-06-21
   days on market $154,900 Active 155 DOM
2. 2026-06-18
   days on market $154,900 Active 152 DOM
3. 2026-06-17
   days on market $154,900 Active 151 DOM
4. 2026-06-16
   days on market $154,900 Active 150 DOM
5. 2026-06-15
   days on market $154,900 Active 149 DOM
6. 2026-06-14
   days on market $154,900 Active 147 DOM
7. 2026-06-13
   days on market $154,900 Active 146 DOM
8. 2026-06-10
   days on market $154,900 Active 144 DOM
9. 2026-06-09
   days on market $154,900 Active 143 DOM
10. 2026-06-08
    days on market $154,900 Active 142 DOM
11. 2026-06-07
    days on market $154,900 Active 141 DOM
12. 2026-06-05
    days on market $154,900 Active 138 DOM
13. 2026-06-03
    days on market $154,900 Active 137 DOM
14. 2026-06-02
    days on market $154,900 Active 136 DOM
15. 2026-06-01
    days on market $154,900 Active 135 DOM
16. 2026-05-31
    days on market $154,900 Active 134 DOM
17. 2026-05-31
    days on market $154,900 Active 133 DOM
18. 2026-05-14
    status Active 880-char remark

    Show marketing remark (880 chars)

    Attention investors and rehab specialists: this property presents a strong value-add opportunity with significant upside potential. Currently configured as a 2-bedroom, 1-bath home, the layout allows for strategic expansion to increase after-repair value. There is clear potential to add a convenient half bath on the main level and finish the third floor to create an additional bedroom, transforming the property into a 3-bedroom, 1.5-bath home. Located within the highly regarded Central Dauphin School District, this property is well-positioned for resale demand following renovation. The existing structure provides a solid foundation for improvements, making it an ideal candidate for investors seeking a fix-and-flip project or value-add renovation with strong profit margins. Bring your vision, execute targeted upgrades, and capitalize on the upside this property offers.

19. 2026-05-04
    historical Active Under Contract 880-char remark

    Show marketing remark (880 chars)

    Attention investors and rehab specialists: this property presents a strong value-add opportunity with significant upside potential. Currently configured as a 2-bedroom, 1-bath home, the layout allows for strategic expansion to increase after-repair value. There is clear potential to add a convenient half bath on the main level and finish the third floor to create an additional bedroom, transforming the property into a 3-bedroom, 1.5-bath home. Located within the highly regarded Central Dauphin School District, this property is well-positioned for resale demand following renovation. The existing structure provides a solid foundation for improvements, making it an ideal candidate for investors seeking a fix-and-flip project or value-add renovation with strong profit margins. Bring your vision, execute targeted upgrades, and capitalize on the upside this property offers.

20. 2026-05-04
    status Pending 880-char remark

    Show marketing remark (880 chars)

    Attention investors and rehab specialists: this property presents a strong value-add opportunity with significant upside potential. Currently configured as a 2-bedroom, 1-bath home, the layout allows for strategic expansion to increase after-repair value. There is clear potential to add a convenient half bath on the main level and finish the third floor to create an additional bedroom, transforming the property into a 3-bedroom, 1.5-bath home. Located within the highly regarded Central Dauphin School District, this property is well-positioned for resale demand following renovation. The existing structure provides a solid foundation for improvements, making it an ideal candidate for investors seeking a fix-and-flip project or value-add renovation with strong profit margins. Bring your vision, execute targeted upgrades, and capitalize on the upside this property offers.

21. 2026-04-04
    price $154,900 880-char remark

    Show marketing remark (880 chars)

    Attention investors and rehab specialists: this property presents a strong value-add opportunity with significant upside potential. Currently configured as a 2-bedroom, 1-bath home, the layout allows for strategic expansion to increase after-repair value. There is clear potential to add a convenient half bath on the main level and finish the third floor to create an additional bedroom, transforming the property into a 3-bedroom, 1.5-bath home. Located within the highly regarded Central Dauphin School District, this property is well-positioned for resale demand following renovation. The existing structure provides a solid foundation for improvements, making it an ideal candidate for investors seeking a fix-and-flip project or value-add renovation with strong profit margins. Bring your vision, execute targeted upgrades, and capitalize on the upside this property offers.

22. 2026-03-19
    price $159,900 880-char remark

    Show marketing remark (880 chars)

    Attention investors and rehab specialists: this property presents a strong value-add opportunity with significant upside potential. Currently configured as a 2-bedroom, 1-bath home, the layout allows for strategic expansion to increase after-repair value. There is clear potential to add a convenient half bath on the main level and finish the third floor to create an additional bedroom, transforming the property into a 3-bedroom, 1.5-bath home. Located within the highly regarded Central Dauphin School District, this property is well-positioned for resale demand following renovation. The existing structure provides a solid foundation for improvements, making it an ideal candidate for investors seeking a fix-and-flip project or value-add renovation with strong profit margins. Bring your vision, execute targeted upgrades, and capitalize on the upside this property offers.

23. 2026-02-27
    price $164,900 880-char remark

    Show marketing remark (880 chars)

    Attention investors and rehab specialists: this property presents a strong value-add opportunity with significant upside potential. Currently configured as a 2-bedroom, 1-bath home, the layout allows for strategic expansion to increase after-repair value. There is clear potential to add a convenient half bath on the main level and finish the third floor to create an additional bedroom, transforming the property into a 3-bedroom, 1.5-bath home. Located within the highly regarded Central Dauphin School District, this property is well-positioned for resale demand following renovation. The existing structure provides a solid foundation for improvements, making it an ideal candidate for investors seeking a fix-and-flip project or value-add renovation with strong profit margins. Bring your vision, execute targeted upgrades, and capitalize on the upside this property offers.

24. 2026-02-20
    price $169,900 880-char remark

    Show marketing remark (880 chars)

    Attention investors and rehab specialists: this property presents a strong value-add opportunity with significant upside potential. Currently configured as a 2-bedroom, 1-bath home, the layout allows for strategic expansion to increase after-repair value. There is clear potential to add a convenient half bath on the main level and finish the third floor to create an additional bedroom, transforming the property into a 3-bedroom, 1.5-bath home. Located within the highly regarded Central Dauphin School District, this property is well-positioned for resale demand following renovation. The existing structure provides a solid foundation for improvements, making it an ideal candidate for investors seeking a fix-and-flip project or value-add renovation with strong profit margins. Bring your vision, execute targeted upgrades, and capitalize on the upside this property offers.

25. 2026-01-07
    listed $179,900 Active 880-char remark

    Show marketing remark (880 chars)

    Attention investors and rehab specialists: this property presents a strong value-add opportunity with significant upside potential. Currently configured as a 2-bedroom, 1-bath home, the layout allows for strategic expansion to increase after-repair value. There is clear potential to add a convenient half bath on the main level and finish the third floor to create an additional bedroom, transforming the property into a 3-bedroom, 1.5-bath home. Located within the highly regarded Central Dauphin School District, this property is well-positioned for resale demand following renovation. The existing structure provides a solid foundation for improvements, making it an ideal candidate for investors seeking a fix-and-flip project or value-add renovation with strong profit margins. Bring your vision, execute targeted upgrades, and capitalize on the upside this property offers.

26. 2025-05-15
    soldstatus $150,000 Closed 819-char remark

    Show marketing remark (819 chars)

    Welcome to this charming home with its welcoming covered front porch—an ideal spot to relax with your morning coffee! Step inside to find a cozy family room featuring carpeted floors and plank walls, seamlessly leading into the eat-in kitchen. Here, you'll find laminate flooring, classic chair railing, and ample cabinet space. A convenient main-level laundry and storage area with outdoor access adds to the home's practicality. Upstairs, you’ll discover two generously sized bedrooms and a full bath. The attic provides additional storage space. Step outside to enjoy the deck with an overhead pergola, perfect for outdoor entertaining, and overlooking the spacious, cleared backyard. A paved driveway offers parking for two cars. Conveniently located to shopping, dining and entertainment. A joy to own!

27. 2025-04-08
    status Pending 819-char remark

    Show marketing remark (819 chars)

    Welcome to this charming home with its welcoming covered front porch—an ideal spot to relax with your morning coffee! Step inside to find a cozy family room featuring carpeted floors and plank walls, seamlessly leading into the eat-in kitchen. Here, you'll find laminate flooring, classic chair railing, and ample cabinet space. A convenient main-level laundry and storage area with outdoor access adds to the home's practicality. Upstairs, you’ll discover two generously sized bedrooms and a full bath. The attic provides additional storage space. Step outside to enjoy the deck with an overhead pergola, perfect for outdoor entertaining, and overlooking the spacious, cleared backyard. A paved driveway offers parking for two cars. Conveniently located to shopping, dining and entertainment. A joy to own!

28. 2025-04-04
    listed $110,000 Active 819-char remark

    Show marketing remark (819 chars)

    Welcome to this charming home with its welcoming covered front porch—an ideal spot to relax with your morning coffee! Step inside to find a cozy family room featuring carpeted floors and plank walls, seamlessly leading into the eat-in kitchen. Here, you'll find laminate flooring, classic chair railing, and ample cabinet space. A convenient main-level laundry and storage area with outdoor access adds to the home's practicality. Upstairs, you’ll discover two generously sized bedrooms and a full bath. The attic provides additional storage space. Step outside to enjoy the deck with an overhead pergola, perfect for outdoor entertaining, and overlooking the spacious, cleared backyard. A paved driveway offers parking for two cars. Conveniently located to shopping, dining and entertainment. A joy to own!

29. 2006-01-18
    soldstatus $84,560

ⓘ 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: $2,065 · $172/mo
• Projected year-2 tax: $2,256 · $188/mo
• Expected delta: +$191/yr (+$16/mo · 9.3%)

ⓘ 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 6 d/yr ≥100°F today · 13 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 6% 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: $23,731
• − Mortgage interest: −$8,677
• − Property taxes: −$2,065
• − Insurance: −$774
• − Repairs & maintenance: −$1,898
• − Management: −$1,898
• − Depreciation: −$4,506
• Taxable income: $3,911
• Est. tax owed @ 24.0%: −$939
• After-tax cash flow: $5,221/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

• 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

+83.2% since first listed

12 events — show timeline

• 2026-05-14 Relisted — BRIGHT MLS
• 2026-05-04 Contingent — BRIGHT MLS
• 2026-05-04 Pending — BRIGHT MLS
• 2026-04-04 Price Changed $154,900 BRIGHT MLS
• 2026-03-19 Price Changed $159,900 BRIGHT MLS
• 2026-02-27 Price Changed $164,900 BRIGHT MLS
• 2026-02-20 Price Changed $169,900 BRIGHT MLS
• 2026-01-07 Listed $179,900 BRIGHT MLS
• 2025-05-15 Sold (MLS) $150,000 BRIGHT MLS
• 2025-04-08 Pending — BRIGHT MLS
• 2025-04-04 Listed $110,000 BRIGHT MLS
• 2006-01-18 Sold (Public Records) $84,560 Public Records

Property tax history

+1.9%/yr

Latest (2026): $2,065 · +5.5% YoY. Source: county tax records.