257 W Jackson St · York, PA 17401

$150,000

5 bd · 1.0 ba · 1,998 sqft · Townhouse public records · 5 Days on market

Built 1900 1,769 sqft lot $75/sqft · at area comps Est $148k · at est.

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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 +22.7/30.0
• DSCR +7.3/10.0
• ARV discount +6.8/15.0
• 1% rule +6.3/10.0
• Rent growth +4.1/5.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• Schools +0.8/10.0
• Appreciation +0.0/10.0

Listing remarks

Versatile investment property minutes from York College of Pennsylvania. Unlock the potential of this spacious 3-story property ideally located just minutes from York College. Whether you're looking for a primary residence, flip, or a rental, this property offers flexibility and opportunity. The property offers 5-6 generously sized bedrooms with one on the first floor, downstairs half bath, large layout ideal for shared living arrangements. This property is perfectly suited for multiple income-producing strategies and was previously used as student housing and a halfway house. With its size, layout, and prime location, this home is a rare find due to its versatility. Close to campus, major

Key facts

• Large layout
• Close to campus
• Downstairs half bath

Tags

• SPACIOUS 3-STORY PROPERTY
• GENEROUSLY SIZED BEDROOMS
• DOWNSTAIRS HALF BATH
• LARGE LAYOUT
• PRIME LOCATION
• CLOSE TO CAMPUS

Property features AI

Finance

• Other: Not in a federal flood zone; Property manager present

Exterior

• Parking: Off-street parking (2 spaces); Total of 2 garage/parking spaces
• Utilities: Public water; Public sewer
• Home design: Interior townhouse/rowhouse; Fee simple ownership; Estimated year built
• Construction: Brick construction; Composite roof; Slab foundation; Above-grade and below-grade structures
• Exterior features: Outbuilding(s) on the property; Sidewalks

Interior

• Bedrooms: Six bedrooms on the main level
• Bathrooms: One full bathroom; One half bathroom
• Heating & cooling: Hot water heating; Natural gas heat
• Interior features: Drywall walls and ceilings; Unfinished basement with interior access

What this means for you Summary

Snapshot

• This is a 5-bed/1.0-bath townhouse listed at $150k.

Deal economics

• At list price, monthly cash flow is $257 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $150k).
• Cap rate 8.3% vs local median 5.0% in York — 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 75/100 on livability (#427 in PA, #3,987 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing A; Watch: amenities D+, crime F, employment F.
• York City SD (urban): math 4% / reading 16% proficiency, ranked #534 of 539 in PA (top 99%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 72% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+6.4%/yr); 63 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 45% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 1,328 units permitted in York County in 2024 (338 in 5+ unit buildings).
• At $1,693/mo this rent would consume 47% of the median local household income ($43k/yr) (locally 1360% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 6.4% rent growth), your $42k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• Only 5 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $86k; list at $150k implies a 74% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $150,000

Questions for the listing agent

1. Built in 1900 — 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. 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?
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: 1.13% ✓
• Cap rate: 8.35%
• Cash-on-cash: 7.34%
• DSCR: 1.33
• GRM: 7.4

CMA / ARV

• ARV (median comp): $147,833
• List price: $150,000
• Delta: 1.47%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
272 W Jackson St	0.04mi	5/1.5	1,986 (-1%)	8mo	$161,500	$81	88
236 W Jackson St	0.06mi	4/1.0 (-1)	1,962 (-2%)	6mo	$166,500	$85	84
292 W Cottage Pl	0.08mi	5/2.0	1,812 (-9%)	3mo	$189,995	$105	74
217 E Cottage Pl	0.61mi	5/1.5	2,011 (+1%)	1mo	$210,000	$104	67
537 S Duke St	0.48mi	4/1.5 (-1)	1,992 (-0%)	4mo	$168,000	$84	67
523 Country Club Rd	0.46mi	4/2.5 (-1)	1,997 (-0%)	2mo	$288,900	$145	66
827 Virginia Ave	0.31mi	4/1.0 (-1)	1,824 (-9%)	2mo	$195,000	$107	65
513 S George St	0.40mi	4/2.5 (-1)	1,944 (-3%)	8mo	$127,000	$65	59
1007 S Queen St	0.74mi	5/1.5	1,974 (-1%)	6mo	$199,000	$101	57
608 S Pershing Ave	0.17mi	4/3.5 (-1)	2,280 (+14%)	4mo	$180,000	$79	50
156 S Pershing Ave	0.55mi	5/1.5	2,270 (+14%)	9mo	$179,900	$79	42
425 W College Ave	0.51mi	4/2.0 (-1)	1,700 (-15%)	9mo	$169,900	$100	35

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 · 6.37% rent growth · sell at horizon

5-year hold

• IRR: -1.2%
• Equity multiple: 0.95×
• Total profit: $-1,968
• Equity at exit: $22,365

10-year hold

• IRR: 11.9%
• Equity multiple: 2.09×
• Total profit: $45,652
• Equity at exit: $12,969

Cash invested: $42,000 (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 17401

• Home prices YoY: -16.5%
• Rents YoY: 6.4%
• Active inventory: 63
• Price-to-rent: 7.4×

Monthly cashflow live

• Estimated rent: $1,693 high
• Mortgage (P&I): −$787
• Tax from tax record: −$231 /mo · $2,775/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$355
• Net cashflow: $257

Break-even live

Break-even rent $1,368

Max offer price $150,000

Occupancy floor 80%

Sensitivity live

Price	-10% $342	-5% $299	+0% $257	+5% $214	+10% $172
Rent	-10% $123	-5% $190	+0% $257	+5% $324	+10% $390
Rate	-1.0pp $332	-0.5pp $295	base $257	+0.5pp $218	+1.0pp $178

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: $37,500
• Closing costs: $4,500
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
119 W Jackson St York, PA	4.0	1.0	1800	$1,395	$0.78	45d	1	0.15mi
213 Kurtz Ave York, PA	5.0	1.0	1921	$1,850	$0.96	15d	1	0.17mi
709 W Princess St York, PA	5.0	1.0	1829	$1,425	$0.78	45d	1	0.89mi
121 S Belvidere Ave Unit 121 York, PA	5.0	1.5	1846	$1,450	$0.79	45d	1	0.91mi
330 Smyser St York, PA	5.0	1.0	1634	$1,425	$0.87	45d	1	0.96mi
26 N West St York, PA	6.0	2.0	2100	$2,200	$1.05	22d	1	0.97mi
925 W College Ave York, PA	4.0	1.0	1660	$1,425	$0.86	15d	1	1.00mi
339 E Market St Unit 1 York, PA	4.0	1.5	1600	$1,650	$1.03	22d	1	1.03mi
289 Union St York, PA	4.0	1.0	1450	$1,600	$1.10	45d	1	1.06mi
132 N West St York, PA	4.0	1.0	1560	$1,600	$1.03	15d	1	1.06mi
631 Wallace St Unit 631 York, PA	4.0	1.0	1545	$1,325	$0.86	15d	1	1.42mi

Listing history 6 events

1. 2026-05-09
   status Pending 731-char remark
2. 2026-05-04
   listed $150,000 Active 731-char remark
3. 2021-02-26
   soldstatus $86,325
4. 2011-08-11
   soldstatus $62,000
5. 2011-08-11
   soldstatus $62,000
6. 2001-04-02
   soldstatus $55,000

ⓘ 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: $2,775 · $231/mo
• Projected year-2 tax: $2,775 · $231/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 3/10 Moderate FEMA zone X (unshaded) · 20% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥103°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 10% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,311
• − Mortgage interest: −$8,402
• − Property taxes: −$2,775
• − Insurance: −$750
• − Repairs & maintenance: −$1,625
• − Management: −$1,625
• − Depreciation: −$4,364
• Taxable income: $770
• Est. tax owed @ 24.0%: −$185
• After-tax cash flow: $2,896/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: York City SD
• NCES district ID: 4226820
• Math proficiency: 4% ▼ -7.00%
• Reading proficiency: 16% ▼ -9.00%
• Median HH income: $29,470
• Composite: 7.61/100
• National rank: #9943
• State rank: #534 of 539 in PA

Livability — York

• Score: 75/100
• State rank: #427
• US rank: #3987

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: York, PA
• County: York County · 278,806 people
• City population: 184,764
• Metro: York-Hanover, PA
• Population (ZIP): 18,570
• Household income: $42,826
• Rent vs Own: 67.4% rent · 32.6% own
• Severe rent burden: 1360.0

Population outlook (York County) Hauer SSP2

• Today (2025): 454,205 people
• By 2030: 457,407 · +0.7%
• By 2040: 457,529 · +0.7%
• By 2050: 448,261 · -1.3%
• By 2075: 427,388 · -5.9%
• By 2100: 384,218 · -15.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.69)
• Race & ethnicity: Hispanic / Latino 39% White 31% Black 24% Two or more races 15%
• Hispanic origin (detail): Mexican 5% Puerto Rican 22% Dominican 10%
• Common ancestry: Romanian 2% Hispanic 1% Italian 1%
• Foreign-born: 14% · Canada
• Languages at home: 72% English-only · Spanish 25% French/Haitian/Cajun 2%

Political lean MEDSL · York

• 2024 margin: Strong R (+25.3) · D 36.9% · R 62.1%
• 2008→2024 swing: -11.7pp toward R · 2008: -13.6pp · 2024: -25.3pp
• All cycles: 2024: R+25.3 2020: R+24.6 2016: R+29.3 2012: R+21.2 2008: R+13.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -63.82%
• Current HPI: 323.5537
• Rent YoY: ▲ 6.37%
• Metro: York-Hanover, 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

+172.7% since first listed

6 events — show timeline

• 2026-05-09 Pending — BRIGHT MLS
• 2026-05-04 Listed $150,000 BRIGHT MLS
• 2021-02-26 Sold (Public Records) $86,325 Public Records
• 2011-08-11 Sold (Public Records) $62,000 Public Records
• 2011-08-11 Sold (Public Records) $62,000 Public Records
• 2001-04-02 Sold (Public Records) $55,000 Public Records

Property tax history

+0.8%/yr

Latest (2026): $2,775 · +1.6% YoY. Source: county tax records.