6893 Chambers Hill Rd · Rutherford, PA 17111

$239,990

3 bd · 1.5 ba · 1,705 sqft · SingleFamily public records · 4 Days on market

Built 1964 9,148 sqft lot $141/sqft · 13% below area Est $293k · 18% under

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Why this score? — see what drove the C- 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).

• ARV discount +15.0/15.0
• Cash flow +14.2/30.0
• DSCR +4.3/10.0
• 1% rule +3.9/10.0
• 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

Chambers Hill brick rancher with three bedrooms, 1.5 baths, finished basement, fireplace, central air and deck with portable pergola. Super convenient location with great potential. With just a little love and paint you could be setting on good equity. Home is priced below market value for a quick sale. Hardwood floors, living room with fireplace and new Pella Bay Window with built-in blinds. Third bedroom with private half bath, finished basement with spacious family room with wet bar, new furnace, professionally waterproofed basement, cedar closet and laundry. Level yard, mature trees, paved driveway, architectural shingled roof and rain gutter helmet guards. Home suitable for investor, f

Key facts

• 9,148 sq ft lot
• 4 parking spots
• Built 1964

Property features AI

Finance

• Other: Fee simple ownership; Property condition: good; Not in a federal flood zone

Exterior

• Parking: 4 driveway parking spaces; Paved driveway; Total of 4 garage and parking spaces
• Utilities: Public water; On-site septic; Electric service: 200+ amp, 220 volts with circuit breakers; Hot water: oil; Internet: broadband, cable, fiber optic; No municipal trash service
• Home design: Detached single-family home; Main entrance faces north
• Construction: Brick construction; Block foundation; Architectural shingle roof; Replacement, double-hung and bay/bow insulated windows; Building not winterized; Year built per assessor
• Exterior features: Level lot; Deck(s); Shed; Above- and below-grade structures

Interior

• Kitchen: Wall oven; Dishwasher; Refrigerator; Surface cooktop
• Bedrooms: 3 bedrooms on the main level
• Flooring: Hardwood; Ceramic tile
• Bathrooms: 1 full bath on the main level; 1 half bath on the main level; Total: 1 full bath, 1 half bath
• Heating & cooling: Baseboard hot water heating (oil-fired); Central air conditioning
• Interior features: Tub/shower; Ceiling fans; Combination kitchen and dining area; Entry-level bedroom; Wood floors; Drywall walls and ceilings; Insulated doors
• Laundry & utility: Laundry located in the basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $240k.

Deal economics

• At list price, monthly cash flow is $39 ($470/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $213k (11.3% below list).
• Recommended offer: $213k (11.3% below list) — sets the bar for 1% rule.

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: amenities F, commute F, health & safety 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.
• Zoned schools: Chambers Hill El Sch (math 27% / reading 47%, grade F, #1,004 of 1,518 statewide, top 68%, 258 students, 100% FRL); Swatara Ms (math 13% / reading 34%, grade F, #424 of 512 statewide, top 83%, 539 students, 99% FRL); Central Dauphin East Shs (math 50% / reading 15%, grade F, #330 of 437 statewide, top 76%, 1,590 students, 100% FRL) — zoned schools average 99% FRL vs 33% district-wide (66 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+3.8%/yr); 178 active listings in the ZIP; 10 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 $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $70k; list at $240k implies a 243% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• 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 $212,829 (11.3% below list)

Questions for the listing agent

1. Built in 1964 — 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 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?
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: 0.89% ✗
• Cap rate: 6.49%
• Cash-on-cash: 0.70%
• DSCR: 1.03
• GRM: 9.4

CMA / ARV

• ARV (median comp): $293,027
• List price: $239,990
• Delta: -18.10%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6991 Chambers Hill Rd	0.12mi	3/1.5	1,660 (-3%)	16mo	$235,000	$142	77
7000 Chambers Hill Rd	0.13mi	4/2.0 (+1)	1,769 (+4%)	5mo	$320,000	$181	76
6151 Hocker Dr	0.65mi	3/2.5	1,876 (+10%)	7mo	$322,500	$172	43
6100 Hocker Dr	0.72mi	3/1.5	1,489 (-13%)	6mo	$309,000	$208	40
6130 Pine Knoll Dr	0.68mi	3/2.0	1,520 (-11%)	10mo	$295,000	$194	40
6531 Somerset St	0.73mi	3/1.5	1,560 (-8%)	18mo	$249,000	$160	37
6051 Chambers Hill Rd	0.73mi	3/1.5	1,892 (+11%)	16mo	$255,000	$135	34
6960 Huntingdon St	0.74mi	4/2.0 (+1)	1,930 (+13%)	5mo	$265,110	$137	32
730 Cockley Rd	0.59mi	3/2.0	1,469 (-14%)	21mo	$250,000	$170	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 · 3.76% rent growth · sell at horizon

5-year hold

• IRR: -14.3%
• Equity multiple: 0.48×
• Total profit: $-34,730
• Equity at exit: $35,783

10-year hold

• IRR: -4.4%
• Equity multiple: 0.70×
• Total profit: $-20,104
• Equity at exit: $20,750

Cash invested: $67,197 (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: 178
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $2,128 high
• Mortgage (P&I): −$1,259
• Tax from tax record: −$284 /mo · $3,403/yr
• Insurance: −$100
• HOA: −$0
• Vacancy / Maint / Mgmt: −$447
• Net cashflow: $39

Break-even live

Break-even rent $2,079

Max offer price $239,990

Occupancy floor 93%

Sensitivity live

Price	-10% $175	-5% $107	+0% $39	+5% $-29	+10% $-97
Rent	-10% $-129	-5% $-45	+0% $39	+5% $123	+10% $207
Rate	-1.0pp $160	-0.5pp $100	base $39	+0.5pp $-23	+1.0pp $-86

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: $59,998
• Closing costs: $7,200
• Reserves months: —
• Total cash needed: —

Rent comps 10 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	14d	1	0.70mi
6550 Somerset St Harrisburg, PA	3.0	2.0	1488	$2,250	$1.51	14d	1	0.74mi
7214 Huntingdon St Harrisburg, PA	2.0	2.5	1374	$1,900	$1.38	44d	1	0.86mi
7546 Stephen Dr Harrisburg, PA	3.0	2.5	1740	$2,050	$1.18	44d	1	1.00mi
7466 Stephen Dr Harrisburg, PA	3.0	2.5	2000	$2,499	$1.25	45d	1	1.09mi
7466 Stephen Dr Harrisburg, PA	2.0–3.0	2.5	1626	$2,399	$1.47	14d	1	1.09mi
747 Garden Dr Harrisburg, PA	2.0	1.0	1170	$1,725	$1.47	14d	1	1.10mi
6226 Lehigh Ave Harrisburg, PA	4.0	4.0	2128	$2,975	$1.40	14d	1	1.10mi
303 Hamilton Cir Harrisburg, PA	2.0	1.5	1096	$1,576	$1.44	14d	2	1.35mi
5069 Stacey Dr E Harrisburg, PA	1.0–3.0	1.0–2.0	942	$1,650	$1.75	14d	9	1.40mi

Listing history 2 events

1. 2026-05-12
   historical $239,990 789-char remark
2. 1987-12-03
   soldstatus $70,000

ⓘ 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: $3,403 · $284/mo
• Projected year-2 tax: $3,598 · $300/mo
• Expected delta: +$194/yr (+$16/mo · 5.7%)

ⓘ 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 7% 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: $25,539
• − Mortgage interest: −$13,443
• − Property taxes: −$3,403
• − Insurance: −$1,200
• − Repairs & maintenance: −$2,043
• − Management: −$2,043
• − Depreciation: −$6,982
• Taxable loss: −$3,575
• Est. tax savings @ 24.0%: +$858
• After-tax cash flow: $1,328/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

+242.8% since first listed

4 events — show timeline

• 2026-05-22 Pending — BRIGHT MLS
• 2026-05-19 Listed $239,990 BRIGHT MLS
• 2026-05-12 Coming Soon $239,990 BRIGHT MLS
• 1987-12-03 Sold (Public Records) $70,000 Public Records

Property tax history

+1.9%/yr

Latest (2026): $3,403 · +5.5% YoY. Source: county tax records.