276 Mckinley St · Braddock Hills, PA 15221

$99,900

4 bd · 1.0 ba · 1,752 sqft · SingleFamily public records · 36 Days on market

Built 1900 3,484 sqft lot $57/sqft · 43% below area Est $174k · 43% 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 +4.0/5.0
• Rent growth +3.5/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Seller will negotiate seller paid closing costs for the buyer. This spacious 1,750 sq ft home offers updated mechanical systems, multiple warranties, and valuable bonus space—all at an affordable price point under $150K. The property features a brand new hot water tank, a well maintained high efficiency furnace (installed 2007), updated electrical service with inspection sticker, new gas piping, and professionally cleaned ductwork. The home has also passed borough inspection and is fully approved for an occupancy permit. The main level features a large covered front porch, a bright living room, and a spacious kitchen with plenty of cabinet and counter space. The second floor includes all bedrooms and the full bathroom, offering a traditional and convenient layout. The walk up third floor provides a usable bonus room ideal for a home office, study, or flex space, with additional storage available in the rear section. Outdoor features include off street parking, a flat backyard, and a covered side area for added convenience. Located minutes from PA turnpike, Route 30 and I 376, this home delivers space, mechanical reliability, and excellent value in a convenient location.

Key facts

• 3,484 sq ft lot
• Parking
• Built 1900

Property features AI

Exterior

• Parking: Off-street parking for 1 vehicle
• Home design: 3 stories; Resale property
• Construction: Frame construction; Composition roof
• Exterior features: Lot approximately 37 x 100

Interior

• Bathrooms: 1 full bathroom
• Heating & cooling: Forced air heating (gas)
• Interior features: Full unfinished basement with interior entry

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $778 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $100k).
• Recommended offer: $97k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 79/100 on livability (#239 in PA, #2,065 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, commute A+, cost of living A+; Watch: amenities F, employment D-.
• Woodland Hills SD (suburban): math 13% / reading 30% proficiency, ranked #486 of 539 in PA (top 90%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 69% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising (+3.9%/yr); 118 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 44% of comp listings sitting > 30 days — soft ceiling on asking rent; 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).
• This rent runs 41% of the median local income ($55k/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 $691 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.9% rent growth), your $28k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 36 days — a 3% lower offer ($97k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 32y ago; this cycle's ask has dropped $50k (33%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $21k; list at $100k implies a 376% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $96,903 (3.0% below list)

Questions for the listing agent

1. It's been on market 36 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 1.87% ✓
• Cap rate: 15.63%
• Cash-on-cash: 33.36%
• DSCR: 2.48
• GRM: 4.4

CMA / ARV

• ARV (median comp): $173,887
• List price: $99,900
• Delta: -42.55%
• 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
226 Lobinger Ave	0.40mi	4/2.0	1,696 (-3%)	3mo	$75,525	$45	70
419 Burlington Rd	0.45mi	4/1.5	1,824 (+4%)	1mo	$310,000	$170	69
1237 Circle Dr	0.65mi	4/2.0	1,740 (-1%)	2mo	$160,000	$92	63
638 Cascade Rd	0.68mi	3/1.5 (-1)	1,725 (-2%)	1mo	$337,000	$195	58
122 N Holland Ave	0.60mi	3/1.0 (-1)	1,620 (-8%)	0mo	$52,000	$32	54
211 Division St	0.55mi	3/1.0 (-1)	1,596 (-9%)	4mo	$13,500	$8	51
1500 Brinton Rd	0.54mi	3/1.5 (-1)	1,600 (-9%)	4mo	$100,000	$63	50
975 Illinois Ave	0.29mi	3/2.5 (-1)	1,500 (-14%)	2mo	$250,000	$167	49
212 Comrie Ave	0.62mi	3/1.5 (-1)	1,925 (+10%)	3mo	$100,000	$52	45
203 Washington Rd	0.65mi	3/1.5 (-1)	1,530 (-13%)	3mo	$301,000	$197	39
127 Fairfax Rd	0.63mi	4/2.5	2,000 (+14%)	3mo	$315,000	$158	38
38 Roxbury Rd	0.59mi	3/2.5 (-1)	1,496 (-15%)	4mo	$250,000	$167	34

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 · 3.86% rent growth · sell at horizon

5-year hold

• IRR: 29.6%
• Equity multiple: 2.25×
• Total profit: $35,010
• Equity at exit: $14,895

10-year hold

• IRR: 37.4%
• Equity multiple: 4.62×
• Total profit: $101,231
• Equity at exit: $8,638

Cash invested: $27,972 (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 15221

• Home prices YoY: -32.3%
• Rents YoY: 3.9%
• Active inventory: 118
• Price-to-rent: 4.4×

Monthly cashflow live

• Estimated rent: $1,873 high
• Mortgage (P&I): −$524
• Tax from tax record: −$136 /mo · $1,637/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$393
• Net cashflow: $778

Break-even live

Break-even rent $889

Max offer price $99,900

Occupancy floor 53%

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: $24,975
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2323 Patterson Ave Pittsburgh, PA	3.0	1.0	1440	$1,800	$1.25	43d	1	0.57mi
2323 Patterson Ave Unit NA Pittsburgh, PA	3.0	1.0	1440	$1,500	$1.04	23d	1	0.57mi
3 3rd Ave Braddock, PA	5.0	3.0	2500	$3,800	$1.52	43d	1	0.67mi
2210 Hampton St Pittsburgh, PA	3.0	1.5	1512	$1,650	$1.09	23d	1	0.75mi
2219 Manor Ave Pittsburgh, PA	3.0	1.0	1638	$1,600	$0.98	23d	1	0.76mi
537 6th St Braddock, PA	3.0	1.0	1360	$1,400	$1.03	43d	1	0.91mi
565 Ardmore Blvd Pittsburgh, PA	4.0	1.0	1368	$1,450	$1.06	10d	1	1.27mi
7009 Church St Pittsburgh, PA	3.0	2.0	1800	$1,550	$0.86	43d	1	1.43mi
931 Hilltop St Homestead, PA	3.0	1.5	1312	$1,500	$1.14	14d	1	1.47mi

Listing history 29 events

1. 2026-06-07
   statusdays on market $99,900 Pending 36 DOM
2. 2026-06-05
   statusdays on market $99,900 Contingent 35 DOM
3. 2026-06-03
   days on market $99,900 Active 34 DOM
4. 2026-06-02
   days on market $99,900 Active 33 DOM
5. 2026-06-01
   days on market $99,900 Active 32 DOM
6. 2026-05-31
   days on market $99,900 Active 31 DOM
7. 2026-05-18
   price $129,900 1132-char remark
8. 2026-05-11
   price $134,900 1132-char remark
9. 2026-04-30
   listed $149,900 Active 1132-char remark

   Show marketing remark (1195 chars)

   Seller will negotiate seller paid closing costs for the buyer. This spacious 1,750 sq ft home offers updated mechanical systems, multiple warranties, and valuable bonus space—all at an affordable price point under $150K. The property features a brand new hot water tank, a well maintained high efficiency furnace (installed 2007), updated electrical service with inspection sticker, new gas piping, and professionally cleaned ductwork. The home has also passed borough inspection and is fully approved for an occupancy permit. The main level features a large covered front porch, a bright living room, and a spacious kitchen with plenty of cabinet and counter space. The second floor includes all bedrooms and the full bathroom, offering a traditional and convenient layout. The walk up third floor provides a usable bonus room ideal for a home office, study, or flex space, with additional storage available in the rear section. Outdoor features include off street parking, a flat backyard, and a covered side area for added convenience. Located minutes from PA turnpike, Route 30 and I 376, this home delivers space, mechanical reliability, and excellent value in a convenient location.

10. 2026-04-30
    historical Expired 1195-char remark

    Show marketing remark (1195 chars)

    Seller will negotiate seller paid closing costs for the buyer. This spacious 1,750 sq ft home offers updated mechanical systems, multiple warranties, and valuable bonus space—all at an affordable price point under $150K. The property features a brand new hot water tank, a well maintained high efficiency furnace (installed 2007), updated electrical service with inspection sticker, new gas piping, and professionally cleaned ductwork. The home has also passed borough inspection and is fully approved for an occupancy permit. The main level features a large covered front porch, a bright living room, and a spacious kitchen with plenty of cabinet and counter space. The second floor includes all bedrooms and the full bathroom, offering a traditional and convenient layout. The walk up third floor provides a usable bonus room ideal for a home office, study, or flex space, with additional storage available in the rear section. Outdoor features include off street parking, a flat backyard, and a covered side area for added convenience. Located minutes from PA turnpike, Route 30 and I 376, this home delivers space, mechanical reliability, and excellent value in a convenient location.

11. 2026-04-10
    price $149,900 1195-char remark

    Show marketing remark (1195 chars)

    Seller will negotiate seller paid closing costs for the buyer. This spacious 1,750 sq ft home offers updated mechanical systems, multiple warranties, and valuable bonus space—all at an affordable price point under $150K. The property features a brand new hot water tank, a well maintained high efficiency furnace (installed 2007), updated electrical service with inspection sticker, new gas piping, and professionally cleaned ductwork. The home has also passed borough inspection and is fully approved for an occupancy permit. The main level features a large covered front porch, a bright living room, and a spacious kitchen with plenty of cabinet and counter space. The second floor includes all bedrooms and the full bathroom, offering a traditional and convenient layout. The walk up third floor provides a usable bonus room ideal for a home office, study, or flex space, with additional storage available in the rear section. Outdoor features include off street parking, a flat backyard, and a covered side area for added convenience. Located minutes from PA turnpike, Route 30 and I 376, this home delivers space, mechanical reliability, and excellent value in a convenient location.

12. 2026-03-12
    listed $159,900 Active 1195-char remark

    Show marketing remark (1195 chars)

    Seller will negotiate seller paid closing costs for the buyer. This spacious 1,750 sq ft home offers updated mechanical systems, multiple warranties, and valuable bonus space—all at an affordable price point under $150K. The property features a brand new hot water tank, a well maintained high efficiency furnace (installed 2007), updated electrical service with inspection sticker, new gas piping, and professionally cleaned ductwork. The home has also passed borough inspection and is fully approved for an occupancy permit. The main level features a large covered front porch, a bright living room, and a spacious kitchen with plenty of cabinet and counter space. The second floor includes all bedrooms and the full bathroom, offering a traditional and convenient layout. The walk up third floor provides a usable bonus room ideal for a home office, study, or flex space, with additional storage available in the rear section. Outdoor features include off street parking, a flat backyard, and a covered side area for added convenience. Located minutes from PA turnpike, Route 30 and I 376, this home delivers space, mechanical reliability, and excellent value in a convenient location.

13. 2025-07-19
    historical $1,398
14. 2025-06-22
    price $1,398
15. 2025-05-03
    listed $1,498
16. 2024-02-09
    historical $1,298
17. 2024-01-20
    listed $1,298
18. 2023-12-14
    historical $1,198
19. 2023-11-18
    listed $1,198
20. 2023-09-09
    historical
21. 2023-08-18
    listed
22. 2023-08-06
    historical
23. 2004-07-14
    soldstatus $21,000
24. 2004-06-16
    soldstatus $21,000

    Show marketing remark (152 chars)

    Property Sold AS IS, All Offers thru L/A, Fax Offers to 412-374-1280, Call L/A for Addendums, H$ to be Held by L/A, POF Required, Show Combo Box 2-4-6-8

25. 2004-05-03
    listed $29,900

    Show marketing remark (152 chars)

    Property Sold AS IS, All Offers thru L/A, Fax Offers to 412-374-1280, Call L/A for Addendums, H$ to be Held by L/A, POF Required, Show Combo Box 2-4-6-8

26. 1995-05-22
    soldstatus $38,500
27. 1995-05-18
    soldstatus $38,500
28. 1994-10-03
    listed $39,975
29. 1984-07-02
    soldstatus $32,000

ⓘ 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: $1,637 · $136/mo
• Projected year-2 tax: $1,637 · $136/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 3/10 Moderate 7 d/yr ≥98°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,475
• − Mortgage interest: −$5,596
• − Property taxes: −$1,637
• − Insurance: −$500
• − Repairs & maintenance: −$1,798
• − Management: −$1,798
• − Depreciation: −$2,906
• Taxable income: $8,240
• Est. tax owed @ 24.0%: −$1,978
• After-tax cash flow: $7,354/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: Woodland Hills SD
• NCES district ID: 4216500
• Math proficiency: 13% ▼ -13.00%
• Reading proficiency: 30% ▼ -10.00%
• Median HH income: $41,803
• Composite: 18.31/100
• National rank: #8954
• State rank: #486 of 539 in PA

Livability — Braddock Hills

• Score: 79/100
• State rank: #239
• US rank: #2065

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Braddock Hills, PA
• County: Allegheny County · 1,022,028 people
• City population: 29,513
• Metro: Pittsburgh, PA
• Population (ZIP): 29,374
• Household income: $55,028
• Rent vs Own: 55.3% rent · 44.7% own
• Severe rent burden: 1933.0

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 0.60)
• Race & ethnicity: White 47% Black 43% Two or more races 7% Hispanic / Latino 4% Asian 1%
• Common ancestry: Romanian 4% Lithuanian 2% Serbian 1%
• Foreign-born: 4% · Canada, South Korea, China
• Languages at home: 93% English-only · Spanish 2% French/Haitian/Cajun 1% Other Indo-European 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: ▼ -109.77%
• Current HPI: 230.0486
• Rent YoY: ▲ 3.86%
• 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

+212.2% since first listed

27 events — show timeline

• 2026-06-05 Pending — West Penn MLS
• 2026-06-04 Contingent — West Penn MLS
• 2026-05-26 Price Changed $99,900 West Penn MLS
• 2026-05-26 Price Changed $109,900 West Penn MLS
• 2026-05-18 Price Changed $129,900 West Penn MLS
• 2026-05-11 Price Changed $134,900 West Penn MLS
• 2026-04-30 Delisted — West Penn MLS
• 2026-04-30 Listed $149,900 West Penn MLS
• 2026-04-10 Price Changed $149,900 West Penn MLS
• 2026-03-12 Listed $159,900 West Penn MLS
• 2025-07-19 Rental Removed $1,398 Avail
• 2025-06-22 Price Changed $1,398 Avail
• 2025-05-03 Listed for Rent $1,498 Avail
• 2024-02-09 Rental Removed $1,298 Avail
• 2024-01-20 Listed for Rent $1,298 Avail
• 2023-12-14 Rental Removed $1,198 Avail
• 2023-11-18 Listed for Rent $1,198 Avail
• 2023-09-09 Rental Removed — Avail
• 2023-08-18 Listed for Rent — Avail
• 2023-08-06 Rental Removed — Avail
• 2004-07-14 Sold (Public Records) $21,000 Public Records
• 2004-06-16 Sold (MLS) $21,000 West Penn MLS
• 2004-05-03 Listed $29,900 West Penn MLS
• 1995-05-22 Sold (Public Records) $38,500 Public Records
• 1995-05-18 Sold (MLS) $38,500 West Penn MLS
• 1994-10-03 Listed $39,975 West Penn MLS
• 1984-07-02 Sold (Public Records) $32,000 Public Records

Property tax history

+2.5%/yr

Latest (2026): $1,637 · +3.1% YoY. Source: county tax records.