509 W Main St · Monongahela, PA 15063

$130,000

5 bd · 4.0 ba · 4,429 sqft · SingleFamily · 288 Days on market

Built 1930 4,199 sqft lot $29/sqft · 59% below area ↓ 32% 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 +19.5/30.0
• ARV discount +7.5/15.0
• DSCR +6.2/10.0
• 1% rule +5.2/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.4/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

MIXED USE ZONING ~ Work from Home ~ Store Front on Busy Main Street! Could be a Duplex w/ Store Front, 3 Unit or 1 BIG Magnificent Home boasting Lots of Original Characteristics including Original Hardwood Floors, Big Wood Baseboards, Gorgeous Detailed Wood Crown Molding, Antique Cantle-Style Crystal Chandeliers! Majestic Hallways & an AWESOME 30x10 Covered Porch on 2nd Floor. Full Kitchen & Bathroom on each Floor! Massive Kitchen on 2nd Floor could be ideal for Catering or having ALL the Family over for Gatherings! Features door to Deck! 2nd Floor Laundry next to kitn. Also features nice big bedroom including an en suite full bathroom in one of them. Ideal for an In Law Suite or Teen Suite. Perfect for a commercial business on 1st floor or work from home. Absolutely Beautiful Woodwork throughout including wide Baseboard, Crown Molding & Spectacular Staircases! 2 Car Detached Garage plus a 2 Car Tandem Carport

Key facts

• Covered porch
• Full kitchen
• Full bathroom

Tags

• MIXED USE ZONING
• STORE FRONT
• COVERED PORCH
• FULL KITCHEN
• FULL BATHROOM
• 2ND FLOOR LAUNDRY

What this means for you Summary

Snapshot

• This is a 5-bed/4.0-bath single-family listed at $130k.

Deal economics

• At list price, monthly cash flow is $149 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $130k).
• Recommended offer: $114k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 72/100 on livability (#629 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B+; Watch: employment C-, health & safety D+, amenities F.
• Ringgold SD (suburban): math 19% / reading 36% proficiency, ranked #452 of 539 in PA (top 84%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 66 active listings in the ZIP; 489 units permitted in Washington County in 2024 (30 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $899 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Washington County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 288 days — a 12% lower offer ($114k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 8y ago; this cycle's ask has dropped $10k (7%) 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.

Recommended offer $114,400 (12.0% below list)

Questions for the listing agent

1. It's been on market 288 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 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: 1.02% ✓
• Cap rate: 7.66%
• Cash-on-cash: 4.90%
• DSCR: 1.22
• GRM: 8.2

CMA / ARV

• ARV (median comp): $318,221
• List price: $130,000
• Delta: -59.15%
• Verdict: UNDERPRICED
• Comps: 2 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -8.7%
• Equity multiple: 0.68×
• Total profit: $-11,584
• Equity at exit: $19,383

10-year hold

• IRR: 0.9%
• Equity multiple: 1.06×
• Total profit: $2,177
• Equity at exit: $11,240

Cash invested: $36,400 (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 15063

• Home prices YoY: -6.9%
• Active inventory: 66
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $1,325 medium
• Mortgage (P&I): −$682
• Tax est. 1.5%: −$162 /mo · $1,950/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$278
• Net cashflow: $149

Break-even live

Break-even rent $1,137

Max offer price $130,000

Occupancy floor 84%

Sensitivity live

Price	-10% $238	-5% $193	+0% $149	+5% $104	+10% $59
Rent	-10% $44	-5% $96	+0% $149	+5% $201	+10% $253
Rate	-1.0pp $214	-0.5pp $182	base $149	+0.5pp $115	+1.0pp $81

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: $32,500
• Closing costs: $3,900
• Reserves months: —
• Total cash needed: —

Listing history 30 events

1. 2026-06-18
   days on market $130,000 Active 288 DOM
2. 2026-06-17
   days on market $130,000 Active 287 DOM
3. 2026-06-16
   days on market $130,000 Active 286 DOM
4. 2026-06-15
   days on market $130,000 Active 285 DOM
5. 2026-06-13
   days on market $130,000 Active 283 DOM
6. 2026-06-13
   days on market $130,000 Active 282 DOM
7. 2026-06-09
   days on market $130,000 Active 279 DOM
8. 2026-06-08
   days on market $130,000 Active 278 DOM
9. 2026-06-07
   days on market $130,000 Active 277 DOM
10. 2026-06-05
    days on market $130,000 Active 274 DOM
11. 2026-06-03
    days on market $130,000 Active 273 DOM
12. 2026-06-02
    days on market $130,000 Active 272 DOM
13. 2026-06-01
    days on market $130,000 Active 271 DOM
14. 2026-05-31
    days on market $130,000 Active 270 DOM
15. 2025-10-08
    price $130,000 941-char remark

    Show marketing remark (941 chars)

    MIXED USE ZONING ~ Work from Home ~ Store Front on Busy Main Street! Could be a Duplex w/ Store Front, 3 Unit or 1 BIG Magnificent Home boasting Lots of Original Characteristics including Original Hardwood Floors, Big Wood Baseboards, Gorgeous Detailed Wood Crown Molding, Antique Cantle-Style Crystal Chandeliers! Majestic Hallways & an AWESOME 30x10 Covered Porch on 2nd Floor. Full Kitchen & Bathroom on each Floor! Massive Kitchen on 2nd Floor could be ideal for Catering or having ALL the Family over for Gatherings! Features door to Deck! 2nd Floor Laundry next to kitn. Also features nice big bedroom including an en suite full bathroom in one of them. Ideal for an In Law Suite or Teen Suite. Perfect for a commercial business on 1st floor or work from home. Absolutely Beautiful Woodwork throughout including wide Baseboard, Crown Molding & Spectacular Staircases! 2 Car Detached Garage plus a 2 Car Tandem Carport

16. 2025-10-08
    price $130,000 941-char remark

    Show marketing remark (941 chars)

    MIXED USE ZONING ~ Work from Home ~ Store Front on Busy Main Street! Could be a Duplex w/ Store Front, 3 Unit or 1 BIG Magnificent Home boasting Lots of Original Characteristics including Original Hardwood Floors, Big Wood Baseboards, Gorgeous Detailed Wood Crown Molding, Antique Cantle-Style Crystal Chandeliers! Majestic Hallways & an AWESOME 30x10 Covered Porch on 2nd Floor. Full Kitchen & Bathroom on each Floor! Massive Kitchen on 2nd Floor could be ideal for Catering or having ALL the Family over for Gatherings! Features door to Deck! 2nd Floor Laundry next to kitn. Also features nice big bedroom including an en suite full bathroom in one of them. Ideal for an In Law Suite or Teen Suite. Perfect for a commercial business on 1st floor or work from home. Absolutely Beautiful Woodwork throughout including wide Baseboard, Crown Molding & Spectacular Staircases! 2 Car Detached Garage plus a 2 Car Tandem Carport

17. 2025-09-22
    listed $140,000 Active 941-char remark

    Show marketing remark (941 chars)

    MIXED USE ZONING ~ Work from Home ~ Store Front on Busy Main Street! Could be a Duplex w/ Store Front, 3 Unit or 1 BIG Magnificent Home boasting Lots of Original Characteristics including Original Hardwood Floors, Big Wood Baseboards, Gorgeous Detailed Wood Crown Molding, Antique Cantle-Style Crystal Chandeliers! Majestic Hallways & an AWESOME 30x10 Covered Porch on 2nd Floor. Full Kitchen & Bathroom on each Floor! Massive Kitchen on 2nd Floor could be ideal for Catering or having ALL the Family over for Gatherings! Features door to Deck! 2nd Floor Laundry next to kitn. Also features nice big bedroom including an en suite full bathroom in one of them. Ideal for an In Law Suite or Teen Suite. Perfect for a commercial business on 1st floor or work from home. Absolutely Beautiful Woodwork throughout including wide Baseboard, Crown Molding & Spectacular Staircases! 2 Car Detached Garage plus a 2 Car Tandem Carport

18. 2025-09-03
    listed $140,000 Active 941-char remark

    Show marketing remark (941 chars)

    MIXED USE ZONING ~ Work from Home ~ Store Front on Busy Main Street! Could be a Duplex w/ Store Front, 3 Unit or 1 BIG Magnificent Home boasting Lots of Original Characteristics including Original Hardwood Floors, Big Wood Baseboards, Gorgeous Detailed Wood Crown Molding, Antique Cantle-Style Crystal Chandeliers! Majestic Hallways & an AWESOME 30x10 Covered Porch on 2nd Floor. Full Kitchen & Bathroom on each Floor! Massive Kitchen on 2nd Floor could be ideal for Catering or having ALL the Family over for Gatherings! Features door to Deck! 2nd Floor Laundry next to kitn. Also features nice big bedroom including an en suite full bathroom in one of them. Ideal for an In Law Suite or Teen Suite. Perfect for a commercial business on 1st floor or work from home. Absolutely Beautiful Woodwork throughout including wide Baseboard, Crown Molding & Spectacular Staircases! 2 Car Detached Garage plus a 2 Car Tandem Carport

19. 2020-03-06
    price $154,821
20. 2020-03-06
    price $154,821
21. 2019-10-05
    listed $159,821 Active
22. 2019-10-03
    listed $159,821 Active
23. 2019-06-01
    historical Expired
24. 2019-06-01
    historical Expired
25. 2018-11-28
    price $174,724
26. 2018-11-28
    price $174,724
27. 2018-10-01
    price $179,724
28. 2018-10-01
    price $179,724
29. 2018-06-01
    listed $189,900 Active
30. 2018-06-01
    listed $189,900 Active

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

Taxation est. · year 1

• Rental income: $15,903
• − Mortgage interest: −$7,282
• − Property taxes: −$1,950
• − Insurance: −$650
• − Repairs & maintenance: −$1,272
• − Management: −$1,272
• − Depreciation: −$3,782
• Taxable loss: −$305
• Est. tax savings @ 24.0%: +$73
• After-tax cash flow: $1,856/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: Ringgold SD
• NCES district ID: 4220400
• Math proficiency: 19% ▼ -20.00%
• Reading proficiency: 36% ▼ -18.00%
• Median HH income: $46,754
• Composite: 23.75/100
• National rank: #7819
• State rank: #452 of 539 in PA

Livability — Monongahela

• Score: 72/100
• State rank: #629
• US rank: #6064

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Monongahela, PA
• City population: 10,479
• Population (ZIP): 10,479

Population outlook (Washington County) Hauer SSP2

• Today (2025): 208,060 people
• By 2030: 207,168 · -0.4%
• By 2040: 202,738 · -2.6%
• By 2050: 195,269 · -6.1%
• By 2075: 175,588 · -15.6%
• By 2100: 145,827 · -29.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (94%)
• Race & ethnicity: White 94% Two or more races 4% Hispanic / Latino 3%
• Common ancestry: Romanian 9% Slovak 4% Scotch-Irish 3%
• Foreign-born: 2% · Vietnam, Canada
• Languages at home: 97% English-only · Spanish 2% German/W. Germanic 1%

Political lean MEDSL · Washington

• 2024 margin: Strong R (+25.5) · D 36.9% · R 62.4%
• 2008→2024 swing: -20.8pp toward R · 2008: -4.7pp · 2024: -25.5pp
• All cycles: 2024: R+25.5 2020: R+22.8 2016: R+25.3 2012: R+13.3 2008: R+4.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -19.31%
• Current HPI: 261.0334
• Rent YoY: —
• Metro: —
• 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

-31.5% since first listed

16 events — show timeline

• 2025-10-08 Price Changed $130,000 West Penn MLS
• 2025-10-08 Price Changed $130,000 West Penn MLS
• 2025-09-22 Listed $140,000 West Penn MLS
• 2025-09-03 Listed $140,000 West Penn MLS
• 2020-03-06 Price Changed $154,821 West Penn MLS
• 2020-03-06 Price Changed $154,821 West Penn MLS
• 2019-10-05 Listed $159,821 West Penn MLS
• 2019-10-03 Listed $159,821 West Penn MLS
• 2019-06-01 Delisted — West Penn MLS
• 2019-06-01 Delisted — West Penn MLS
• 2018-11-28 Price Changed $174,724 West Penn MLS
• 2018-11-28 Price Changed $174,724 West Penn MLS
• 2018-10-01 Price Changed $179,724 West Penn MLS
• 2018-10-01 Price Changed $179,724 West Penn MLS
• 2018-06-01 Listed $189,900 West Penn MLS
• 2018-06-01 Listed $189,900 West Penn MLS