2811 Bowman Ave · McKeesport, PA 15132

$92,000

2 bd · 1.5 ba · 800 sqft · SingleFamily public records · 41 Days on market

Built 1963 2,748 sqft lot $115/sqft · 40% above area Est $66k · 40% over ↓ 8% 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 +26.8/30.0
• DSCR +9.2/10.0
• 1% rule +6.5/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.6/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

This beautifully maintained brick home offers the perfect blend of durability, comfort, and charm. Featuring quality Pella windows that enhance energy efficiency while filling the spacious living areas with natural light, the layout flows effortlessly from the welcoming living room into a well-appointed kitchen and dining space—ideal for both everyday living and entertaining. Solid plaster walls add timeless character throughout, while generous bedrooms provide plenty of room to relax. The lower level offers flexible space for a game room, home office, or gathering area. Step outside to enjoy the inviting front porch or the beautiful back porch—perfect for cookouts, quiet mornings, or spending time with family and friends. Conveniently located near shopping, dining, and major roadways, this home truly combines lasting quality with everyday comfort.

Key facts

• Gas cooktop
• Integral garage
• Full basement

Tags

• BRICK RANCH
• DOUBLE OVENS
• GAS COOKTOP
• FULL BASEMENT
• COVERED BACK DECK
• INTEGRAL GARAGE

Property features AI

Exterior

• Parking: Attached garage with built-in features and garage door opener (1 parking space)
• Utilities: Public water; Public sewer
• Home design: Single-story; Resale property
• Construction: Brick construction; Composition roof
• Exterior features: Small lot (approximately 0.063 acres)

Interior

• Kitchen: Convection oven; Cooktop; Microwave; Refrigerator; Some gas appliances
• Bedrooms: Two main-level bedrooms (9 x 9 and 9 x 15)
• Flooring: Ceramic tile; Vinyl; Carpet
• Bathrooms: One full bathroom
• Heating & cooling: Forced-air gas heating; Central air conditioning
• Interior features: Multi-pane windows; Full basement
• Laundry & utility: Basement utility access

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath single-family listed at $92k.

Deal economics

• At list price, monthly cash flow is $253 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $92k).
• Recommended offer: $89k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 66/100 on livability (#1,089 in PA) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: schools D+, health & safety D, crime F.
• Mckeesport Area SD (suburban): math 11% / reading 28% proficiency, ranked #499 of 539 in PA (top 93%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 113 active listings in the ZIP; 14 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; lower-income renter base — watch delinquency; 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).
• This rent runs 36% of the median local income ($35k/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 $636 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $26k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 41 days — a 3% lower offer ($89k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts 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.

Recommended offer $89,240 (3.0% below list)

Questions for the listing agent

1. It's been on market 41 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 1963 — 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. 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?
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: 1.15% ✓
• Cap rate: 9.59%
• Cash-on-cash: 11.79%
• DSCR: 1.52
• GRM: 7.3

CMA / ARV

• ARV (median comp): $65,550
• List price: $92,000
• Delta: 40.35%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
819 Leech St	0.36mi	1/1.5 (-1)	748 (-6%)	2mo	$87,500	$117	66
3839 Anderson Ave	0.53mi	2/1.0	825 (+3%)	13mo	$48,000	$58	58
2118 Cronemeyer St	0.43mi	2/1.0	728 (-9%)	8mo	$29,000	$40	56
3126 Orris Rd	0.69mi	2/1.0	875 (+9%)	9mo	$65,000	$74	42

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: 1.2%
• Equity multiple: 1.05×
• Total profit: $1,191
• Equity at exit: $13,717

10-year hold

• IRR: 10.8%
• Equity multiple: 1.84×
• Total profit: $21,718
• Equity at exit: $7,954

Cash invested: $25,760 (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 15132

• Home prices YoY: -32.9%
• Active inventory: 113
• Price-to-rent: 7.3×

Monthly cashflow live

• Estimated rent: $1,055 high
• Mortgage (P&I): −$482
• Tax from tax record: −$60 /mo · $718/yr
• Insurance: −$38
• HOA: −$0
• Vacancy / Maint / Mgmt: −$222
• Net cashflow: $253

Break-even live

Break-even rent $735

Max offer price $92,000

Occupancy floor 71%

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: $23,000
• Closing costs: $2,760
• Reserves months: —
• Total cash needed: —

Rent comps 14 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
510 E Pittsburgh McKeesport Blvd Unit 1 North Versailles Township, PA	2.0	1.0	663	$950	$1.43	23d	1	0.75mi
510 E Pittsburgh McKeesport Blvd Unit 3 North Versailles Township, PA	1.0	1.0	553	$800	$1.45	43d	1	0.75mi
1108 Prescott St White Oak, PA	2.0	1.0	945	$1,200	$1.27	12d	1	0.84mi
1114-1116 Ohio St Unit 2R McKeesport, PA	2.0	1.0	878	$850	$0.97	16d	1	0.96mi
1133 Maryland Ave Unit 3 Duquesne, PA	1.0	1.0	750	$1,150	$1.53	14d	1	1.03mi
1205 5th Ave McKeesport, PA	1.0	1.0	593	$1,090	$1.84	43d	1	1.09mi
207 Auriles St Duquesne, PA	2.0	1.0	950	$950	$1.00	43d	1	1.09mi
1010 Savey St Duquesne, PA	2.0	1.0	1000	$1,200	$1.20	43d	1	1.09mi
3506 Mayfair St Unit B McKeesport, PA	2.0	1.0	948	$1,200	$1.27	43d	1	1.36mi
1744 Highland Ave West Mifflin, PA	2.0	1.0	1100	$1,549	$1.41	3d	1	1.46mi
1735 Ohio Ave Unit 6 White Oak, PA	3.0	1.0	1034	$1,200	$1.16	43d	1	1.46mi
604 Shaw Ave Unit 102 McKeesport, PA	1.0	1.0	750	$750	$1.00	43d	1	1.49mi
604 Shaw Ave Unit 101 McKeesport, PA	2.0	1.5	1050	$900	$0.86	14d	1	1.49mi
604 Shaw Ave McKeesport, PA	2.0	1.0–1.5	800	$900	$1.12	12d	3	1.49mi

Listing history 17 events

1. 2026-06-18
   days on market $92,000 Active 41 DOM
2. 2026-06-17
   days on market $92,000 Active 40 DOM
3. 2026-06-16
   days on market $92,000 Active 39 DOM
4. 2026-06-15
   statusdays on market $92,000 Active 38 DOM
5. 2026-06-13
   days on market $92,000 Contingent 36 DOM
6. 2026-06-13
   days on market $92,000 Contingent 35 DOM
7. 2026-06-09
   days on market $92,000 Contingent 32 DOM
8. 2026-06-08
   days on market $92,000 Contingent 31 DOM
9. 2026-06-07
   days on market $92,000 Contingent 30 DOM
10. 2026-06-03
    days on market $92,000 Contingent 26 DOM
11. 2026-06-02
    statusdays on market $92,000 Contingent 25 DOM
12. 2026-06-01
    days on market $92,000 Active 24 DOM
13. 2026-05-31
    days on market $92,000 Active 23 DOM
14. 2026-05-08
    listed $92,000 Active 575-char remark
15. 2026-05-06
    historical Expired 872-char remark

    Show marketing remark (872 chars)

    This beautifully maintained brick home offers the perfect blend of durability, comfort, and charm. Featuring quality Pella windows that enhance energy efficiency while filling the spacious living areas with natural light, the layout flows effortlessly from the welcoming living room into a well-appointed kitchen and dining space—ideal for both everyday living and entertaining. Solid plaster walls add timeless character throughout, while generous bedrooms provide plenty of room to relax. The lower level offers flexible space for a game room, home office, or gathering area. Step outside to enjoy the inviting front porch or the beautiful back porch—perfect for cookouts, quiet mornings, or spending time with family and friends. Conveniently located near shopping, dining, and major roadways, this home truly combines lasting quality with everyday comfort.

16. 2026-05-05
    price $91,900 872-char remark

    Show marketing remark (872 chars)

    This beautifully maintained brick home offers the perfect blend of durability, comfort, and charm. Featuring quality Pella windows that enhance energy efficiency while filling the spacious living areas with natural light, the layout flows effortlessly from the welcoming living room into a well-appointed kitchen and dining space—ideal for both everyday living and entertaining. Solid plaster walls add timeless character throughout, while generous bedrooms provide plenty of room to relax. The lower level offers flexible space for a game room, home office, or gathering area. Step outside to enjoy the inviting front porch or the beautiful back porch—perfect for cookouts, quiet mornings, or spending time with family and friends. Conveniently located near shopping, dining, and major roadways, this home truly combines lasting quality with everyday comfort.

17. 2026-03-02
    listed $99,900 Active 872-char remark

    Show marketing remark (872 chars)

    This beautifully maintained brick home offers the perfect blend of durability, comfort, and charm. Featuring quality Pella windows that enhance energy efficiency while filling the spacious living areas with natural light, the layout flows effortlessly from the welcoming living room into a well-appointed kitchen and dining space—ideal for both everyday living and entertaining. Solid plaster walls add timeless character throughout, while generous bedrooms provide plenty of room to relax. The lower level offers flexible space for a game room, home office, or gathering area. Step outside to enjoy the inviting front porch or the beautiful back porch—perfect for cookouts, quiet mornings, or spending time with family and friends. Conveniently located near shopping, dining, and major roadways, this home truly combines lasting quality with everyday comfort.

ⓘ 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: $718 · $60/mo
• Projected year-2 tax: $1,086 · $90/mo
• Expected delta: +$368/yr (+$31/mo · 51.2%)

ⓘ 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 4/10 Moderate 7 d/yr ≥96°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,664
• − Mortgage interest: −$5,153
• − Property taxes: −$718
• − Insurance: −$460
• − Repairs & maintenance: −$1,013
• − Management: −$1,013
• − Depreciation: −$2,676
• Taxable income: $1,630
• Est. tax owed @ 24.0%: −$391
• After-tax cash flow: $2,646/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: Mckeesport Area SD
• NCES district ID: 4214940
• Math proficiency: 11% ▼ -9.00%
• Reading proficiency: 28% ▼ -10.00%
• Median HH income: $33,779
• Composite: 15.88/100
• National rank: #9257
• State rank: #499 of 539 in PA

Livability — McKeesport

• Score: 66/100
• State rank: #1089
• US rank: #12321

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: McKeesport, PA
• County: Allegheny County · 1,022,028 people
• City population: 25,010
• Metro: Pittsburgh, PA
• Population (ZIP): 18,898
• Household income: $35,397
• Rent vs Own: 49.0% rent · 51.0% own
• Severe rent burden: 1239.0

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 0.62)
• Race & ethnicity: White 50% Black 35% Two or more races 10% Hispanic / Latino 4% Asian 1%
• Common ancestry: Romanian 5% Serbian 2% Scotch-Irish 2%
• Foreign-born: 2% · Canada, China
• Languages at home: 96% English-only · Spanish 3%

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: ▼ -71.01%
• Current HPI: 145.195
• Rent YoY: —
• 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

-7.9% since first listed

6 events — show timeline

• 2026-06-14 Relisted — West Penn MLS
• 2026-06-02 Contingent — West Penn MLS
• 2026-05-08 Listed $92,000 West Penn MLS
• 2026-05-06 Delisted — West Penn MLS
• 2026-05-05 Price Changed $91,900 West Penn MLS
• 2026-03-02 Listed $99,900 West Penn MLS

Property tax history

+4.2%/yr

Latest (2026): $718 · +0.0% YoY. Source: county tax records.