3514 Mayfair St · McKeesport, PA 15132

$69,900

3 bd · 1.0 ba · 1,840 sqft · SingleFamily public records · 61 Days on market

Built 1908 2,644 sqft lot $38/sqft · 18% below area Est $85k · 18% 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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.6/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Beautifully maintained three bedroom vinyl sided home within walking distance to Founders Hall, McKeesport senior high school and Renzie Park. On the third floor is a large open room that could be used as a fourth bedroom with an additional room great for storing items. Large living room with built ins and a nice sized dining room with a bay window. Front and rear covered porches with fenced back yard and a one car detached garage. Wide open basement with shower stall and access to the backyard. New roof installed 2018, new attic window panes May and October 2023 and electric hot water tank Nov 2025.

Key facts

• Vinyl sided home
• Fenced back yard
• Large open room

Tags

• VINYL SIDED HOME
• LARGE OPEN ROOM
• FRONT AND REAR COVERED PORCHES
• FENCED BACK YARD
• WIDE OPEN BASEMENT
• NEW ROOF INSTALLED

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $70k.

Deal economics

• At list price, monthly cash flow is $415 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $70k).
• Recommended offer: $66k (6.0% below list) — sets the bar for market timing.
• Cap rate 13.4% vs local median 10.2% in McKeesport — 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 66/100 on livability (#1,089 in PA) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: schools D+, health & safety D, crime F.
• Mckeesport Area SD (suburban): math 11% / reading 28% proficiency, ranked #499 of 539 in PA (top 93%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 115 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).
• This rent runs 44% of the median local income ($35k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $483 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $20k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 61 days — a 6% lower offer ($66k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 8y ago; this cycle's ask has dropped $5k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $46k; list at $70k implies a 54% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 3.6% of price; built in 1908 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $65,706 (6.0% below list)

Questions for the listing agent

1. It's been on market 61 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1908 — 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. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
8. 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.
9. 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.
10. 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: 1.84% ✓
• Cap rate: 13.42%
• Cash-on-cash: 25.44%
• DSCR: 2.13
• GRM: 4.5

CMA / ARV

• ARV (median comp): $84,928
• List price: $69,900
• Delta: -17.70%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2810 Jenny Lind St	0.43mi	3/1.0	1,852 (+1%)	6mo	$19,900	$11	74
1410 Craig St	0.35mi	4/1.0 (+1)	2,006 (+9%)	2mo	$65,000	$32	62
1300 Pirl St	0.54mi	3/2.0	1,800 (-2%)	7mo	$13,250	$7	62
1316 Craig St	0.38mi	3/1.5	1,653 (-10%)	4mo	$127,500	$77	60
1312 Ross St	0.61mi	4/1.0 (+1)	1,800 (-2%)	3mo	$125,000	$69	60
2622 Harrison St	0.36mi	3/1.5	1,628 (-12%)	4mo	$95,000	$58	59
2623 Grandview Ave	0.35mi	4/1.5 (+1)	1,660 (-10%)	3mo	$147,000	$89	58
1208 Meadow St	0.44mi	4/2.0 (+1)	1,716 (-7%)	4mo	$110,000	$64	56
403 25th St	0.73mi	4/1.5 (+1)	1,800 (-2%)	10mo	$30,000	$17	47
1315 Packer St	0.69mi	3/1.0	1,653 (-10%)	6mo	$15,000	$9	46
1111 - 11133 Jefferson St	0.58mi	4/2.0 (+1)	2,000 (+9%)	8mo	$120,000	$60	43
406 35th	0.75mi	3/2.0	1,566 (-15%)	1mo	$150,000	$96	36

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 19.1%
• Equity multiple: 1.78×
• Total profit: $15,197
• Equity at exit: $10,422

10-year hold

• IRR: 27.5%
• Equity multiple: 3.43×
• Total profit: $47,646
• Equity at exit: $6,044

Cash invested: $19,572 (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 15132

• Home prices YoY: -32.9%
• Active inventory: 115
• Price-to-rent: 4.5×

Monthly cashflow live

• Estimated rent: $1,289 high
• Mortgage (P&I): −$367
• Tax from tax record: −$208 /mo · $2,490/yr
• Insurance: −$29
• HOA: −$0
• Vacancy / Maint / Mgmt: −$271
• Net cashflow: $415

Break-even live

Break-even rent $764

Max offer price $69,900

Occupancy floor 63%

Sensitivity live

Price	-10% $455	-5% $435	+0% $415	+5% $395	+10% $375
Rent	-10% $313	-5% $364	+0% $415	+5% $466	+10% $517
Rate	-1.0pp $450	-0.5pp $433	base $415	+0.5pp $397	+1.0pp $378

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: $17,475
• Closing costs: $2,097
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3710 Mayfair St McKeesport, PA	3.0	1.5	1314	$1,095	$0.83	4d	1	0.10mi
2311 Grandview Ave McKeesport, PA	4.0	2.0	2550	$1,250	$0.49	18d	1	0.23mi
2408 McCarrell St McKeesport, PA	4.0	1.0	1430	$1,195	$0.84	24d	1	0.35mi
1506 Freemont St McKeesport, PA	3.0	2.0	1250	$1,295	$1.04	24d	1	0.39mi
2807 Beaver St McKeesport, PA	4.0	2.0	1700	$1,200	$0.71	44d	1	0.45mi
1217 Scott St McKeesport, PA	3.0	1.0	1500	$1,165	$0.78	44d	1	0.66mi
3211 Walnut St McKeesport, PA	4.0	1.0	1434	$1,500	$1.05	8d	1	0.75mi
2618 Poinsettia Dr White Oak, PA	4.0	1.0	1225	$1,599	$1.31	24d	1	1.02mi
2212 Cronemeyer St McKeesport, PA	3.0	1.0	1720	$1,375	$0.80	44d	1	1.05mi
1507 Carnegie Ave McKeesport, PA	3.0	1.5	1600	$1,699	$1.06	15d	1	1.12mi
1451 Jenny Lind St McKeesport, PA	3.0	1.5	1408	$1,150	$0.82	24d	1	1.16mi
2710 Henderson Rd White Oak, PA	3.0	1.5	1676	$1,675	$1.00	2d	1	1.18mi

Listing history 33 events

1. 2026-06-21
   days on market $69,900 Active 61 DOM
2. 2026-06-18
   days on market $69,900 Active 58 DOM
3. 2026-06-17
   days on market $69,900 Active 57 DOM
4. 2026-06-16
   days on market $69,900 Active 56 DOM
5. 2026-06-15
   days on market $69,900 Active 55 DOM
6. 2026-06-13
   days on market $69,900 Active 53 DOM
7. 2026-06-13
   days on market $69,900 Active 52 DOM
8. 2026-06-09
   days on market $69,900 Active 49 DOM
9. 2026-06-08
   days on market $69,900 Active 48 DOM
10. 2026-06-07
    pricedays on market $69,900 Active 47 DOM
11. 2026-06-03
    days on market $74,900 Active 43 DOM
12. 2026-06-02
    days on market $74,900 Active 42 DOM
13. 2026-06-01
    days on market $74,900 Active 41 DOM
14. 2026-05-31
    days on market $74,900 Active 40 DOM
15. 2026-05-07
    historical Contingent 607-char remark

    Show marketing remark (607 chars)

    Beautifully maintained three bedroom vinyl sided home within walking distance to Founders Hall, McKeesport senior high school and Renzie Park. On the third floor is a large open room that could be used as a fourth bedroom with an additional room great for storing items. Large living room with built ins and a nice sized dining room with a bay window. Front and rear covered porches with fenced back yard and a one car detached garage. Wide open basement with shower stall and access to the backyard. New roof installed 2018, new attic window panes May and October 2023 and electric hot water tank Nov 2025.

16. 2026-04-21
    listed $74,900 Active 607-char remark

    Show marketing remark (607 chars)

    Beautifully maintained three bedroom vinyl sided home within walking distance to Founders Hall, McKeesport senior high school and Renzie Park. On the third floor is a large open room that could be used as a fourth bedroom with an additional room great for storing items. Large living room with built ins and a nice sized dining room with a bay window. Front and rear covered porches with fenced back yard and a one car detached garage. Wide open basement with shower stall and access to the backyard. New roof installed 2018, new attic window panes May and October 2023 and electric hot water tank Nov 2025.

17. 2024-10-15
    historical Expired 666-char remark

    Show marketing remark (666 chars)

    Great investment for buyers who are looking for an income-producing rental property! This large 4 bedroom home, convenient to public transportation, offers a living room that comes complete with built-ins, a spacious dining room and a kitchen with ample storage. Three bedrooms are on the second floor, and a 4th bedroom on the third floor could also be used for an office or den. A one-car detached garage provides protected parking, and a level back yard offers a nice area for relaxation. The roof and a new garage door were both installed in 2018. New kitchen floor was installed in January 2023 and new attic window panes were installed in May and October 2023.

18. 2024-08-15
    status Active 666-char remark

    Show marketing remark (666 chars)

    Great investment for buyers who are looking for an income-producing rental property! This large 4 bedroom home, convenient to public transportation, offers a living room that comes complete with built-ins, a spacious dining room and a kitchen with ample storage. Three bedrooms are on the second floor, and a 4th bedroom on the third floor could also be used for an office or den. A one-car detached garage provides protected parking, and a level back yard offers a nice area for relaxation. The roof and a new garage door were both installed in 2018. New kitchen floor was installed in January 2023 and new attic window panes were installed in May and October 2023.

19. 2024-07-25
    historical Contingent 666-char remark

    Show marketing remark (666 chars)

    Great investment for buyers who are looking for an income-producing rental property! This large 4 bedroom home, convenient to public transportation, offers a living room that comes complete with built-ins, a spacious dining room and a kitchen with ample storage. Three bedrooms are on the second floor, and a 4th bedroom on the third floor could also be used for an office or den. A one-car detached garage provides protected parking, and a level back yard offers a nice area for relaxation. The roof and a new garage door were both installed in 2018. New kitchen floor was installed in January 2023 and new attic window panes were installed in May and October 2023.

20. 2024-07-02
    price $78,500 666-char remark

    Show marketing remark (666 chars)

    Great investment for buyers who are looking for an income-producing rental property! This large 4 bedroom home, convenient to public transportation, offers a living room that comes complete with built-ins, a spacious dining room and a kitchen with ample storage. Three bedrooms are on the second floor, and a 4th bedroom on the third floor could also be used for an office or den. A one-car detached garage provides protected parking, and a level back yard offers a nice area for relaxation. The roof and a new garage door were both installed in 2018. New kitchen floor was installed in January 2023 and new attic window panes were installed in May and October 2023.

21. 2024-04-04
    listed $79,900 Active 666-char remark

    Show marketing remark (666 chars)

    Great investment for buyers who are looking for an income-producing rental property! This large 4 bedroom home, convenient to public transportation, offers a living room that comes complete with built-ins, a spacious dining room and a kitchen with ample storage. Three bedrooms are on the second floor, and a 4th bedroom on the third floor could also be used for an office or den. A one-car detached garage provides protected parking, and a level back yard offers a nice area for relaxation. The roof and a new garage door were both installed in 2018. New kitchen floor was installed in January 2023 and new attic window panes were installed in May and October 2023.

22. 2020-10-30
    soldstatus $45,500
23. 2020-10-27
    soldstatus $45,500 Closed
24. 2020-09-11
    historical Contingent
25. 2020-09-03
    price $49,900
26. 2020-07-12
    price $52,900
27. 2020-06-06
    listed $54,900 Active
28. 2019-08-17
    historical Expired
29. 2019-07-02
    price $54,900
30. 2019-05-29
    price $59,900
31. 2019-05-13
    price $64,900
32. 2018-08-18
    listed $69,900 Active
33. 2007-03-12
    soldstatus $33,000

ⓘ 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: $2,490 · $208/mo
• Projected year-2 tax: $2,490 · $208/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 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥97°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 9 unhealthy d/yr today · 11 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,466
• − Mortgage interest: −$3,915
• − Property taxes: −$2,490
• − Insurance: −$350
• − Repairs & maintenance: −$1,237
• − Management: −$1,237
• − Depreciation: −$2,033
• Taxable income: $4,203
• Est. tax owed @ 24.0%: −$1,009
• After-tax cash flow: $3,971/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: Mckeesport Area SD
• NCES district ID: 4214940
• Math proficiency: 11% ▼ -9.00%
• Reading proficiency: 28% ▼ -10.00%
• Median HH income: $33,779
• Composite: 15.88/100
• National rank: #9257
• State rank: #499 of 539 in PA

Livability — McKeesport

• Score: 66/100
• State rank: #1089
• US rank: #12321

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: McKeesport, PA
• County: Allegheny County · 1,022,028 people
• City population: 25,010
• Metro: Pittsburgh, PA
• Population (ZIP): 18,898
• Household income: $35,397
• Rent vs Own: 49.0% rent · 51.0% own
• Severe rent burden: 1239.0

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: Diverse neighborhood (Simpson 0.62)
• Race & ethnicity: White 50% Black 35% Two or more races 10% Hispanic / Latino 4% Asian 1%
• Common ancestry: Romanian 5% Serbian 2% Scotch-Irish 2%
• Foreign-born: 2% · Canada, China
• Languages at home: 96% English-only · Spanish 3%

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: ▼ -71.01%
• Current HPI: 145.195
• Rent YoY: —
• 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

+127.0% since first listed

19 events — show timeline

• 2026-05-07 Contingent — West Penn MLS
• 2026-04-21 Listed $74,900 West Penn MLS
• 2024-10-15 Delisted — West Penn MLS
• 2024-08-15 Relisted — West Penn MLS
• 2024-07-25 Contingent — West Penn MLS
• 2024-07-02 Price Changed $78,500 West Penn MLS
• 2024-04-04 Listed $79,900 West Penn MLS
• 2020-10-30 Sold (Public Records) $45,500 Public Records
• 2020-10-27 Sold (MLS) $45,500 West Penn MLS
• 2020-09-11 Contingent — West Penn MLS
• 2020-09-03 Price Changed $49,900 West Penn MLS
• 2020-07-12 Price Changed $52,900 West Penn MLS
• 2020-06-06 Listed $54,900 West Penn MLS
• 2019-08-17 Delisted — West Penn MLS
• 2019-07-02 Price Changed $54,900 West Penn MLS
• 2019-05-29 Price Changed $59,900 West Penn MLS
• 2019-05-13 Price Changed $64,900 West Penn MLS
• 2018-08-18 Listed $69,900 West Penn MLS
• 2007-03-12 Sold (Public Records) $33,000 Public Records

Property tax history

+6.2%/yr

Latest (2026): $2,490 · +0.0% YoY. Source: county tax records.