608 Margaret St · Ebensburg, PA 15931

$169,900

3 bd · 2.0 ba · 1,933 sqft · SingleFamily · 6 Days on market

Built 1940 0.55 ac lot Est $193k · 12% under ↓ 11% since listing

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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).

• Cash flow +18.9/30.0
• ARV discount +12.9/15.0
• DSCR +5.9/10.0
• 1% rule +5.0/10.0
• Livability +4.4/5.0
• Schools +4.1/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to 608 Margaret Street in Ebensburg--a warm, inviting home in a highly desirable location just minutes from the Ghost Town Trail, perfect for enjoying the outdoors while staying close to town. Set on a spacious half-acre corner lot, this 3-bedroom, 2 full bath home offers character, space, and potential. Hardwood floors add timeless appeal, while a cozy wood burner, electric fireplace, and gas forced air heat provide year-round comfort. Enjoy easy access to the shops and dining along North Center Street, all within the sought-after Central Cambria and Bishop Carroll school districts. With solid bones and the ability to customize to your taste, this home is a true blank canvas--ideal

Key facts

• Cozy wood burner
• Electric fireplace
• Hardwood floors

Tags

• SPACIOUS HALF-ACRE CORNER LOT
• HARDWOOD FLOORS
• COZY WOOD BURNER
• ELECTRIC FIREPLACE
• GAS FORCED AIR HEAT
• BISHOP CARROLL SCHOOL DISTRICT

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $170k.

Deal economics

• At list price, monthly cash flow is $174 ($2k/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 $170k (0.2% below list).
• Recommended offer: $170k (0.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 87/100 on livability (#53 in PA, #310 nationally) — a professional / high-income tenant draw. Strengths: schools A+, crime A+, cost of living A+; Watch: commute F.
• Central Cambria SD (rural): math 40% / reading 55% proficiency, ranked #225 of 539 in PA (top 42%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 39 active listings in the ZIP; 64 units permitted in Cambria County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Cambria County population projected at -28% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: built in 1940 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $169,563 (0.2% below list)

Questions for the listing agent

1. Built in 1940 — 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 A-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?
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: 1.00% ✗
• Cap rate: 7.52%
• Cash-on-cash: 4.38%
• DSCR: 1.19
• GRM: 8.3

CMA / ARV

• ARV (on-the-fly): $193,300
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
308 E Highland Ave	0.08mi	3/1.0	1,926 (-0%)	3mo	$150,000	$78	89
313 E Highland Ave	0.08mi	3/2.0	1,695 (-12%)	1mo	$92,500	$55	74
609 E Ogle St	0.39mi	4/2.0 (+1)	1,916 (-1%)	3mo	$199,900	$104	73
306 W Horner St	0.38mi	3/1.5	1,870 (-3%)	4mo	$168,000	$90	72
316 W Crawford St	0.40mi	4/2.0 (+1)	2,031 (+5%)	2mo	$199,900	$98	66
101 Tanner St	0.34mi	3/2.0	1,732 (-10%)	14mo	$260,000	$150	55
500 Randolph St	0.50mi	4/2.5 (+1)	2,037 (+5%)	11mo	$215,000	$106	52
116 S Julian St	0.45mi	3/2.0	1,654 (-14%)	6mo	$119,900	$72	50
205 N Marian St	0.49mi	3/2.5	2,161 (+12%)	9mo	$229,900	$106	48
309 W Ogle St	0.52mi	3/2.0	2,200 (+14%)	8mo	$199,900	$91	46
411 W Lloyd St	0.53mi	3/1.5	1,696 (-12%)	10mo	$206,000	$121	45
701 W High St	0.63mi	4/2.0 (+1)	2,143 (+11%)	5mo	$215,000	$100	43

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: -9.5%
• Equity multiple: 0.65×
• Total profit: $-16,459
• Equity at exit: $25,333

10-year hold

• IRR: -0.0%
• Equity multiple: 1.00×
• Total profit: $-17
• Equity at exit: $14,690

Cash invested: $47,572 (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 15931

• Home prices YoY: -29.5%
• Active inventory: 39
• Price-to-rent: 8.3×

Monthly cashflow live

• Estimated rent: $1,696 medium
• Mortgage (P&I): −$891
• Tax from tax record: −$204 /mo · $2,451/yr
• Insurance: −$71
• HOA: −$0
• Vacancy / Maint / Mgmt: −$356
• Net cashflow: $174

Break-even live

Break-even rent $1,476

Max offer price $169,900

Occupancy floor 85%

Sensitivity live

Price	-10% $270	-5% $222	+0% $174	+5% $125	+10% $77
Rent	-10% $40	-5% $107	+0% $174	+5% $241	+10% $307
Rate	-1.0pp $259	-0.5pp $217	base $174	+0.5pp $129	+1.0pp $85

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: $42,475
• Closing costs: $5,097
• Reserves months: —
• Total cash needed: —

Listing history 3 events

1. 2026-04-12
   status Pending
2. 2026-04-06
   listed $169,900 Active
3. 2025-08-08
   price $189,900

ⓘ 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: $2,451 · $204/mo
• Projected year-2 tax: $2,568 · $214/mo
• Expected delta: +$117/yr (+$10/mo · 4.8%)

ⓘ 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 2/10 Low 7 d/yr ≥90°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,348
• − Mortgage interest: −$9,517
• − Property taxes: −$2,451
• − Insurance: −$850
• − Repairs & maintenance: −$1,628
• − Management: −$1,628
• − Depreciation: −$4,943
• Taxable loss: −$668
• Est. tax savings @ 24.0%: +$160
• After-tax cash flow: $2,243/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 Cambria SD
• NCES district ID: 4205340
• Math proficiency: 40% ▼ -10.00%
• Reading proficiency: 55% ▼ -13.00%
• Median HH income: $50,276
• Composite: 40.68/100
• National rank: #3674
• State rank: #225 of 539 in PA

Livability — Ebensburg

• Score: 87/100
• State rank: #53
• US rank: #310

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Ebensburg, PA
• Population (ZIP): 8,852

Population outlook (Cambria County) Hauer SSP2

• Today (2025): 122,754 people
• By 2030: 115,827 · -5.6%
• By 2040: 101,309 · -17.5%
• By 2050: 88,379 · -28.0%
• By 2075: 65,237 · -46.9%
• By 2100: 46,909 · -61.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (96%)
• Race & ethnicity: White 96% Black 2% Two or more races 2%
• Common ancestry: Romanian 12% Lithuanian 2% Scotch-Irish 2%
• Foreign-born: 1%
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · Cambria

• 2024 margin: Solid R (+39.7) · D 29.8% · R 69.5%
• 2008→2024 swing: -40.4pp toward R · 2008: 0.7pp · 2024: -39.7pp
• All cycles: 2024: R+39.7 2020: R+37.3 2016: R+37.8 2012: R+17.8 2008: D+0.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -54.99%
• Current HPI: 131.3961
• 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

-10.5% since first listed

3 events — show timeline

• 2026-04-12 Pending — AHARMLS
• 2026-04-06 Listed $169,900 AHARMLS
• 2025-08-08 Price Changed $189,900 AHARMLS

Property tax history

+2.7%/yr

Latest (2026): $2,451 · +2.7% YoY. Source: county tax records.