3442 N 6th St · Harrisburg, PA 17110

$49,900

5 bd · 1.0 ba · 2,124 sqft · Townhouse public records · 3 Days on market

Built 1910 1,742 sqft lot ↓ 23% since listing

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Livability +4.2/5.0
• Rent growth +2.9/5.0
• Schools +2.6/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Property suffered fire damage, being sold as is.

Key facts

• Built 1910
• Listed 3 days

Property features AI

Finance

• Other: Fee simple ownership; Not in a federal flood zone; 2+ access exits (accessibility feature)

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer; 100 amp electric service; Natural gas heating
• Home design: Semi-detached; Estimated year built; Above-grade finished living area approximately 1,792 (estimated)
• Construction: Vinyl siding; Stick-built construction; Stone foundation; Rubber roof; Basement with poured concrete
• Exterior features: Level lot; Balcony; Patio; Porch

Interior

• Kitchen: Dishwasher; Freezer; Electric oven/range
• Bedrooms: Two bedrooms on the first upper level; Two bedrooms on the second upper level; Master bedroom
• Bathrooms: One full bathroom
• Heating & cooling: Forced air heating; Electric hot water
• Interior features: Combination dining and living area; Den
• Laundry & utility: Laundry room

What this means for you Summary

Snapshot

• This is a 5-bed/1.0-bath townhouse listed at $50k.

Deal economics

• At list price, monthly cash flow is $1k ($13k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $50k).
• Cap rate 34.2% vs local median 6.6% in Harrisburg — 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 84/100 on livability (#107 in PA, #826 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: employment D, crime F.
• Susquehanna Township SD (suburban): math 17% / reading 39% proficiency, ranked #444 of 539 in PA (top 82%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Susquehanna Twp Hs (math 37% / reading 10%, grade F, #379 of 437 statewide, top 87%, 743 students, 55% FRL) — zoned schools average 55% FRL vs 35% district-wide (21 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+1.6%/yr); 170 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 540 units permitted in Dauphin County in 2024 (194 in 5+ unit buildings).
• This rent runs 30% of the median local income ($81k/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 $345 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 1.6% rent growth), your $14k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• 9 sale attempts since 24y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $24k; list at $50k implies a 108% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 3.6% of price; flood insurance adds $56/mo; built in 1910 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $49,900

Questions for the listing agent

1. Built in 1910 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. 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: 4.05% ✓
• Cap rate: 34.23%
• Cash-on-cash: 99.78%
• DSCR: 5.44
• GRM: 2.1

CMA / ARV

• ARV (on-the-fly): $227,268
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3002 N 3rd St	0.52mi	4/1.0 (-1)	1,846 (-13%)	12mo	$85,000	$46	39
3002 N 2nd St	0.62mi	5/1.5	2,426 (+14%)	21mo	$260,000	$107	28

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 · 1.55% rent growth · sell at horizon

5-year hold

• IRR: 94.1%
• Equity multiple: 5.26×
• Total profit: $59,584
• Equity at exit: $7,440

10-year hold

• IRR: 96.6%
• Equity multiple: 10.41×
• Total profit: $131,516
• Equity at exit: $4,314

Cash invested: $13,972 (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 17110

• Rents YoY: 1.6%
• Active inventory: 170
• Price-to-rent: 2.1×

Monthly cashflow live

• Estimated rent: $2,019 high
• Mortgage (P&I): −$262
• Tax from tax record: −$151 /mo · $1,810/yr
• Insurance: −$21
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$424
• Net cashflow: $1,106

Break-even live

Break-even rent $619

Max offer price $49,900

Occupancy floor 40%

Sensitivity live

Price	-10% $1,134	-5% $1,120	+0% $1,106	+5% $1,092	+10% $1,078
Rent	-10% $947	-5% $1,026	+0% $1,106	+5% $1,186	+10% $1,266
Rate	-1.0pp $1,131	-0.5pp $1,119	base $1,106	+0.5pp $1,093	+1.0pp $1,080

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: $12,475
• Closing costs: $1,497
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3216 Green St Harrisburg, PA	4.0	2.0	1550	$2,200	$1.42	14d	1	0.40mi
2728 N 6th St Harrisburg, PA	4.0	2.0	1786	$1,750	$0.98	14d	1	0.82mi
2715 N 6th St Harrisburg, PA	4.0	1.0	1620	$1,650	$1.02	14d	1	0.85mi
514 Radnor St Harrisburg, PA	4.0	1.0	1498	$1,600	$1.07	44d	1	1.02mi
2406 Reel St Harrisburg, PA	4.0	1.0	1500	$1,395	$0.93	44d	1	1.24mi
652 Emerald St Harrisburg, PA	5.0	1.0	1550	$1,740	$1.12	44d	1	1.32mi

Listing history 4 events

1. 2026-06-14
   statusdays on market $49,900 Pending 3 DOM
2. 2026-06-10
   days on market $49,900 Active 2 DOM
3. 2026-06-09
   remarks 48-char remark
4. 2026-06-09
   listed $49,900 Active 1 DOM

ⓘ 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: $1,810 · $151/mo
• Projected year-2 tax: $1,810 · $151/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 7/10 Severe FEMA zone X (unshaded) · 78% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥101°F today · 15 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 5% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,228
• − Mortgage interest: −$2,795
• − Property taxes: −$1,810
• − Insurance: −$916
• − Repairs & maintenance: −$1,938
• − Management: −$1,938
• − Depreciation: −$1,452
• Taxable income: $13,379
• Est. tax owed @ 24.0%: −$3,211
• After-tax cash flow: $10,063/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: Susquehanna Township SD
• NCES district ID: 4223010
• Math proficiency: 17% ▼ -15.00%
• Reading proficiency: 39% ▼ -10.00%
• Median HH income: $61,794
• Composite: 25.59/100
• National rank: #7424
• State rank: #444 of 539 in PA

Livability — Harrisburg

• Score: 84/100
• State rank: #107
• US rank: #826

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Dauphin County · 247,857 people
• City population: 184,296
• Metro: Harrisburg-Carlisle, PA
• Population (ZIP): 27,364
• Household income: $80,699
• Rent vs Own: 41.6% rent · 58.4% own
• Severe rent burden: 1037.0

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 0.66)
• Race & ethnicity: White 47% Black 32% Hispanic / Latino 9% Asian 7% Two or more races 6%
• Hispanic origin (detail): Puerto Rican 6% Dominican 1%
• Common ancestry: Italian 3% Romanian 2% Slovak 1%
• Foreign-born: 8% · Canada, India, Vietnam
• Languages at home: 88% English-only · Spanish 6% Other Indo-European 2% 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: ▼ -144.07%
• Current HPI: 257.826
• Rent YoY: ▲ 1.55%
• 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

-23.1% since first listed

24 events — show timeline

• 2026-06-08 Listed $49,900 BRIGHT MLS
• 2024-10-10 Rental Removed $1,195 SHOWMOJO
• 2024-09-28 Listed for Rent $1,195 SHOWMOJO
• 2024-01-20 Rental Removed $1,195 APPFOLIO
• 2023-12-30 Price Changed $1,195 APPFOLIO
• 2023-12-06 Listed for Rent $1,295 APPFOLIO
• 2022-02-03 Price Changed $1,295 APPFOLIO
• 2016-05-31 Listing Removed — BRIGHT MLS
• 2015-11-20 Listed $105,000 BRIGHT MLS
• 2015-05-01 Sold (MLS) $24,000 BRIGHT MLS
• 2015-05-01 Listing Removed — BRIGHT MLS
• 2015-05-01 Listing Removed — BRIGHT MLS
• 2015-04-01 Listing Removed — BRIGHT MLS
• 2015-02-26 Listed $29,900 BRIGHT MLS
• 2015-02-26 Listed $29,900 BRIGHT MLS
• 2015-02-26 Listed $29,900 BRIGHT MLS
• 2008-11-14 Sold (Public Records) $95,000 Public Records
• 2008-10-31 Sold (MLS) $95,000 BRIGHT MLS
• 2008-09-25 Listing Removed — BRIGHT MLS
• 2008-09-16 Listed $96,900 BRIGHT MLS
• 2002-12-06 Sold (Public Records) $64,500 Public Records
• 2002-10-24 Sold (MLS) $61,000 BRIGHT MLS
• 2002-09-10 Listing Removed — BRIGHT MLS
• 2002-08-29 Listed $64,900 BRIGHT MLS

Property tax history

+3.1%/yr

Latest (2026): $1,810 · +5.7% YoY. Source: county tax records.