201 S Julian St · Ebensburg, PA 15931

$210,000

3 bd · 2.5 ba · 1,704 sqft · SingleFamily · 4 Days on market

Built 1970 3,049 sqft lot Est $189k · 11% over

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Why this score? — see what drove the D- 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 +13.4/30.0
• Livability +4.4/5.0
• Schools +4.1/10.0
• DSCR +4.0/10.0
• 1% rule +3.1/10.0
• ARV discount +2.5/15.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Ebensburg in the borough close to nearly everything. One block from the courthouse. Central air and 2 car garage. Gas hot water baseboard heat. Move in condition.

Key facts

• Generous living area
• Newer roof
• New appliances

Tags

• UPDATED MULTI-LEVEL HOME
• SPACIOUS EAT-IN KITCHEN
• NEW APPLIANCES
• FIRST-FLOOR LAUNDRY
• NEWER ROOF
• GENEROUS LIVING AREA

Property features AI

Exterior

• Parking: Attached 2-car garage with automatic door opener
• Utilities: Public water
• Home design: Single-family residence; Multi/split levels
• Construction: Brick construction; Metal roof
• Exterior features: Patio; Porch; Shed(s); Sloped lot; Frontage 35x94

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator
• Bedrooms: Total rooms: 10
• Flooring: Vinyl; Carpet
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Heating & cooling: Natural gas heating with hot water system; Ceiling fans; Cooling present
• Interior features: Eat-in kitchen; Pantry; Basement
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $210k.

Deal economics

• At list price, monthly cash flow is $3 ($36/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 (19.1% below list).
• Recommended offer: $170k (19.1% 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: crime A+, cost of living A+, housing 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.
• Zoned schools: Cambria El Sch (math 45% / reading 61%, grade C, #571 of 1,518 statewide, top 38%, 450 students, 42% FRL); Central Cambria Ms (math 27% / reading 47%, grade F, #298 of 512 statewide, top 60%, 379 students, 39% FRL); Central Cambria Hs (math 67%, 559 students, 26% FRL).
• 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 $6k 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 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 21y 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 $145k; 45% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Recommended offer $169,916 (19.1% below list)

Questions for the listing agent

1. Built in 1970 — 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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
5. 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.
6. 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.
7. 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: 0.81% ✗
• Cap rate: 6.31%
• Cash-on-cash: 0.06%
• DSCR: 1.00
• GRM: 10.3

CMA / ARV

• ARV (on-the-fly): $189,144
• Comps found: 10

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
116 S Julian St	0.04mi	3/2.0	1,654 (-3%)	7mo	$119,900	$72	86
411 W Lloyd St	0.08mi	3/1.5	1,696 (-0%)	10mo	$206,000	$121	83
313 E Highland Ave	0.49mi	3/2.0	1,695 (-0%)	2mo	$92,500	$55	73
306 W Horner St	0.24mi	3/1.5	1,870 (+10%)	4mo	$168,000	$90	65
101 Tanner St	0.57mi	3/2.0	1,732 (+2%)	14mo	$260,000	$150	57
415 W Crawford St	0.22mi	3/1.0	1,480 (-13%)	7mo	$164,900	$111	56
609 E Ogle St	0.43mi	4/2.0 (+1)	1,916 (+12%)	3mo	$199,900	$104	50
308 E Highland Ave	0.46mi	3/1.0	1,926 (+13%)	3mo	$150,000	$78	49
418 E Horner St	0.41mi	4/2.5 (+1)	1,832 (+8%)	18mo	$240,000	$131	48
400 Randolph St	0.53mi	3/2.0	1,512 (-11%)	10mo	$216,000	$143	46

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: -16.2%
• Equity multiple: 0.42×
• Total profit: $-33,879
• Equity at exit: $31,312

10-year hold

• IRR: -8.0%
• Equity multiple: 0.50×
• Total profit: $-29,427
• Equity at exit: $18,157

Cash invested: $58,800 (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: 10.3×

Monthly cashflow live

• Estimated rent: $1,699 medium
• Mortgage (P&I): −$1,101
• Tax from tax record: −$151 /mo · $1,806/yr
• Insurance: −$88
• HOA: −$0
• Vacancy / Maint / Mgmt: −$357
• Net cashflow: $3

Break-even live

Break-even rent $1,695

Max offer price $210,000

Occupancy floor 95%

Sensitivity live

Price	-10% $122	-5% $62	+0% $3	+5% $-56	+10% $-116
Rent	-10% $-131	-5% $-64	+0% $3	+5% $70	+10% $137
Rate	-1.0pp $109	-0.5pp $56	base $3	+0.5pp $-51	+1.0pp $-107

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: $52,500
• Closing costs: $6,300
• Reserves months: —
• Total cash needed: —

Listing history 4 events

1. 2026-06-21
   days on market $210,000 Active 4 DOM
2. 2026-06-21
   days on market $210,000 Active 3 DOM
3. 2026-06-17
   remarks 699-char remark
4. 2026-06-17
   listed $210,000 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: $1,806 · $151/mo
• Projected year-2 tax: $2,562 · $214/mo
• Expected delta: +$756/yr (+$63/mo · 41.8%)

ⓘ 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 · 18 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: $20,390
• − Mortgage interest: −$11,763
• − Property taxes: −$1,806
• − Insurance: −$1,050
• − Repairs & maintenance: −$1,631
• − Management: −$1,631
• − Depreciation: −$6,109
• Taxable loss: −$3,601
• Est. tax savings @ 24.0%: +$864
• After-tax cash flow: $901/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

+1300.0% since first listed

12 events — show timeline

• 2026-06-17 Listed $210,000 AHARMLS
• 2018-09-24 Sold (Public Records) $145,000 Public Records
• 2018-09-24 Sold (MLS) $145,000 AHARMLS
• 2018-07-23 Listed $145,000 AHARMLS
• 2012-09-05 Sold (MLS) $130,000 AHARMLS
• 2012-09-04 Sold (Public Records) $130,000 Public Records
• 2012-05-23 Listed $137,500 AHARMLS
• 2005-11-28 Listed $139,900 AHARMLS
• 2000-11-03 Sold (Public Records) $75,000 Public Records
• 1989-02-01 Sold (Public Records) $53,000 Public Records
• 1985-06-01 Sold (Public Records) $14,500 Public Records
• 1983-04-01 Sold (Public Records) $15,000 Public Records

Property tax history

+2.1%/yr

Latest (2026): $1,806 · +2.9% YoY. Source: county tax records.