1128 Mckinley Dr · Clairton, PA 15025

$32,500

4 bd · 2.0 ba · 1,789 sqft · SingleFamily public records · 2 Days on market

Built 1950 7,501 sqft lot ↓ 25% since listing

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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 +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Rent growth +5.0/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Schools +1.1/10.0
• Appreciation +0.0/10.0

Listing remarks

Investor Opportunity! This solid 1.5-story home offers 4 bedrooms, 2 full bathrooms, and an integral garage, making it an excellent addition to a rental portfolio or a promising renovation project. Major updates include a newer hot water tank and a roof approximately 11 years old. The spacious layout provides strong value-add potential for investors looking to flip, renovate, or hold for long-term cash flow. Conveniently located near local amenities, shopping, schools, and major roadways. Bring your vision and unlock this property's potential!

Key facts

• 7,501 sq ft lot
• Garage
• Built 1950

Property features AI

Exterior

• Parking: Attached garage; Built-in parking
• Utilities: Public water; Public sewer
• Home design: Resale property
• Construction: Brick construction; Asphalt roof
• Exterior features: Public transportation nearby

Interior

• Kitchen: Refrigerator; Stove; Some gas appliances
• Flooring: Carpet
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central air conditioning; Forced air heating; Gas heating
• Interior features: Basement; Carpet flooring

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $32k.

Deal economics

• At list price, monthly cash flow is $911 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $32k).
• Cap rate 39.9% vs local median 12.3% in Clairton — 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 63/100 on livability (#1,308 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A; Watch: crime C-, health & safety D+, schools F.
• Clairton City SD (suburban): math 7% / reading 21% proficiency, ranked #520 of 539 in PA (top 96%) — 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 (+10.5%/yr); 95 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $225 of loan paydown is wiped out by about $975 of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $9k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: built in 1950 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $32,500

Questions for the listing agent

1. Built in 1950 — 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 F-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. 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?
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: 4.42% ✓
• Cap rate: 39.94%
• Cash-on-cash: 120.17%
• DSCR: 6.35
• GRM: 1.9

CMA / ARV

• ARV (on-the-fly): $141,331
• Comps found: 11

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1117 Mckinley Dr	0.04mi	4/2.0	1,552 (-13%)	5mo	$192,000	$124	72
901 Gary Ave	0.36mi	3/2.0 (-1)	1,640 (-8%)	1mo	$90,000	$55	64
552 Halcomb Ave	0.58mi	3/1.5 (-1)	1,750 (-2%)	6mo	$130,000	$74	58
1524 Worthington Ave	0.57mi	4/2.0	1,959 (+10%)	3mo	$282,500	$144	55
421 Rose Ave	0.66mi	4/2.0	1,824 (+2%)	20mo	$145,000	$79	50
602 Halcomb Ave	0.56mi	3/2.0 (-1)	1,948 (+9%)	8mo	$145,000	$74	48
1304 Mckinley Dr	0.24mi	3/2.5 (-1)	1,588 (-11%)	20mo	$330,000	$208	46
609 Large Ave	0.69mi	3/2.0 (-1)	1,620 (-9%)	5mo	$47,500	$29	43
1560 Oneida Dr	0.57mi	3/3.0 (-1)	1,948 (+9%)	10mo	$215,000	$110	41
1016 Fern Valley Rd	0.67mi	4/2.5	1,584 (-12%)	14mo	$327,000	$206	36
410 Mitchell Ave	0.72mi	3/1.0 (-1)	2,048 (+14%)	4mo	$7,500	$4	30

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 7.64×
• Total profit: $60,394
• Equity at exit: $4,846

10-year hold

• IRR: —
• Equity multiple: 18.80×
• Total profit: $161,997
• Equity at exit: $2,810

Cash invested: $9,100 (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 15025

• Home prices YoY: -34.4%
• Rents YoY: 10.5%
• Active inventory: 95
• Price-to-rent: 1.9×

Monthly cashflow live

• Estimated rent: $1,438 medium
• Mortgage (P&I): −$170
• Tax est. 1.5%: −$41 /mo · $488/yr
• Insurance: −$14
• HOA: −$0
• Vacancy / Maint / Mgmt: −$302
• Net cashflow: $911

Break-even live

Break-even rent $284

Max offer price $32,500

Occupancy floor 32%

Sensitivity live

Price	-10% $934	-5% $923	+0% $911	+5% $900	+10% $889
Rent	-10% $798	-5% $854	+0% $911	+5% $968	+10% $1,025
Rate	-1.0pp $928	-0.5pp $920	base $911	+0.5pp $903	+1.0pp $894

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: $8,125
• Closing costs: $975
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
874 Vankirk St Clairton, PA	3.0	1.5	1296	$1,150	$0.89	45d	1	0.82mi
511 Payne Hill Rd Clairton, PA	1.0–3.0	1.0–2.0	1026	$1,900	$1.85	3d	1	1.23mi
185 Carnegie Ave Clairton, PA	3.0	1.0	1404	$1,295	$0.92	45d	1	1.25mi
513 S 2nd Ave Elizabeth, PA	3.0	1.5	1625	$1,195	$0.74	3d	1	1.43mi

Listing history 4 events

1. 2026-06-18
   status $32,500 Pending 2 DOM
2. 2026-06-18
   days on market $32,500 Active 2 DOM
3. 2026-06-16
   remarks 549-char remark
4. 2026-06-16
   listed $32,500 Active 1 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥98°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 5/10 Major 8 unhealthy d/yr today · 8 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,254
• − Mortgage interest: −$1,821
• − Property taxes: −$488
• − Insurance: −$162
• − Repairs & maintenance: −$1,380
• − Management: −$1,380
• − Depreciation: −$945
• Taxable income: $11,077
• Est. tax owed @ 24.0%: −$2,659
• After-tax cash flow: $8,277/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: Clairton City SD
• NCES district ID: 4206030
• Math proficiency: 7% ▼ -11.00%
• Reading proficiency: 21% ▼ -12.00%
• Median HH income: $30,250
• Composite: 11.0/100
• National rank: #9742
• State rank: #520 of 539 in PA

Livability — Clairton

• Score: 63/100
• State rank: #1308
• US rank: #16085

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Clairton, PA
• County: Allegheny County · 1,022,028 people
• City population: 16,939
• Metro: Pittsburgh, PA
• Population (ZIP): 16,939
• Household income: $76,531
• Rent vs Own: 25.1% rent · 74.9% own
• Severe rent burden: 572.0

Population outlook (Allegheny County) Hauer SSP2

• Today (2025): 1,250,282 people
• By 2030: 1,256,482 · +0.5%
• By 2040: 1,256,318 · +0.5%
• By 2050: 1,244,169 · -0.5%
• By 2075: 1,197,693 · -4.2%
• By 2100: 1,093,187 · -12.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (74%)
• Race & ethnicity: White 74% Black 18% Two or more races 4% Asian 2% Hispanic / Latino 2%
• Common ancestry: Romanian 6% Lithuanian 2% Slovak 1%
• Foreign-born: 4% · China, Canada, India
• Languages at home: 96% English-only · Other Indo-European 1% Chinese 1% Spanish 1%

Political lean MEDSL · Allegheny

• 2024 margin: Strong D (+20.3) · D 59.7% · R 39.4%
• 2008→2024 swing: +4.8pp toward D · 2008: 15.5pp · 2024: 20.3pp
• All cycles: 2024: D+20.3 2020: D+20.4 2016: D+16.4 2012: D+14.4 2008: D+15.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -96.35%
• Current HPI: 183.858
• Rent YoY: ▲ 10.47%
• Metro: Pittsburgh, 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

-25.3% since first listed

3 events — show timeline

• 2026-06-16 Listed $32,500 West Penn MLS
• 1993-04-29 Sold (Public Records) $49,900 Public Records
• 1980-12-30 Sold (Public Records) $43,500 Public Records

Property tax history

+11.6%/yr

Latest (2026): $2,212 · +11.0% YoY. Source: county tax records.