7952 Jefferson St · Rutherford, PA 17036

$185,000

3 bd · 1.5 ba · 1,224 sqft · SingleFamily public records · 4 Days on market

Built 1975 7,405 sqft lot $151/sqft · 28% below area Est $257k · 28% under

---

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 +27.7/30.0
• ARV discount +15.0/15.0
• DSCR +9.8/10.0
• 1% rule +7.3/10.0
• Schools +3.6/10.0
• Livability +3.4/5.0
• Rent growth +2.6/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Great starter! Half a double located close to Hummelstown & Chamber Hill areas with nice yard, shed and plenty of off street parking. Open living room, dining and kitchen area with great potential. Spacious basement that could be finished into family room. Three bedroom, 1.5 baths, full basement and central air. First time buyers and investors welcomed! Price for quick sale. Home needs TLC and is a great home to build fast equity. Call for details!

Key facts

• 4 parking spots
• Built 1975
• Listed 4 days

Property features AI

Exterior

• Parking: Four total garage/parking spaces; Driveway with four spaces; Asphalt driveway; On-street and off-street parking
• Utilities: Public water; Public sewer; 200+ amp electric service with circuit breakers; Electric hot water
• Home design: End of row townhouse; Fee simple ownership
• Construction: Aluminum siding, block, brick, and frame construction; Block foundation; Architectural shingle roof; Above-grade structure
• Exterior features: Patio(s); Side yard(s)

Interior

• Kitchen: Electric oven/range; Refrigerator; Freezer; Stainless steel appliances; Water heater
• Bedrooms: Three bedrooms on the upper level
• Flooring: Carpet
• Bathrooms: One full bathroom (upper level); One half bathroom (main level)
• Heating & cooling: Heat pump heating; Central air conditioning; Ceiling fans; Electric heating and cooling systems
• Interior features: Dining area; Eat-in kitchen; Built-ins; Ceiling fans; Family room off kitchen; Kitchen island
• Laundry & utility: Basement utility space (full, unfinished)

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $185k.

Deal economics

• At list price, monthly cash flow is $559 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $185k).

Location & tenants

• Location reads 67/100 on livability (#1,007 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, employment A-; Watch: amenities F, commute F, health & safety F.
• Central Dauphin SD (suburban): math 30% / reading 52% proficiency, ranked #305 of 539 in PA (top 57%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Central Dauphin East Shs (math 50% / reading 15%, grade F, #330 of 437 statewide, top 76%, 1,590 students, 100% FRL) — zoned schools average 100% FRL vs 33% district-wide (67 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents flat; 106 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; high-income renter base; 540 units permitted in Dauphin County in 2024 (194 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.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 14y 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.

Risks & watch-outs

• 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 $185,000

Questions for the listing agent

1. Built in 1975 — 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 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?
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: 1.23% ✓
• Cap rate: 9.92%
• Cash-on-cash: 12.96%
• DSCR: 1.58
• GRM: 6.8

CMA / ARV

• ARV (median comp): $256,800
• List price: $185,000
• Delta: -27.96%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
8160 Somerset St	0.32mi	3/1.0	1,189 (-3%)	6mo	$230,000	$193	73
7810 Chambers Hill Rd	0.71mi	3/2.0	1,189 (-3%)	5mo	$259,900	$219	56
7220 Jefferson St	0.47mi	3/1.5	1,116 (-9%)	9mo	$230,000	$206	56
370-N N 70th St	0.64mi	3/1.0	1,144 (-6%)	6mo	$260,000	$227	53
12 Oakshire Dr	0.71mi	3/1.0	1,218 (-0%)	14mo	$222,000	$182	52
7880 Chambers Hill Rd	0.74mi	2/1.0 (-1)	1,172 (-4%)	11mo	$240,000	$205	42
117 Brompton Rd	0.61mi	3/1.0	1,040 (-15%)	20mo	$167,500	$161	28
6950 Huntingdon St	0.63mi	3/1.0	1,040 (-15%)	19mo	$201,900	$194	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 · 0.55% rent growth · sell at horizon

5-year hold

• IRR: 0.1%
• Equity multiple: 1.00×
• Total profit: $187
• Equity at exit: $27,584

10-year hold

• IRR: 7.1%
• Equity multiple: 1.48×
• Total profit: $24,684
• Equity at exit: $15,995

Cash invested: $51,800 (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 17036

• Home prices YoY: -28.4%
• Rents YoY: 0.6%
• Active inventory: 106
• Price-to-rent: 6.8×

Monthly cashflow live

• Estimated rent: $2,277 high
• Mortgage (P&I): −$970
• Tax from tax record: −$192 /mo · $2,305/yr
• Insurance: −$77
• HOA: −$0
• Vacancy / Maint / Mgmt: −$478
• Net cashflow: $559

Break-even live

Break-even rent $1,569

Max offer price $185,000

Occupancy floor 70%

Sensitivity live

Price	-10% $664	-5% $612	+0% $559	+5% $507	+10% $455
Rent	-10% $380	-5% $470	+0% $559	+5% $649	+10% $739
Rate	-1.0pp $653	-0.5pp $607	base $559	+0.5pp $512	+1.0pp $463

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: $46,250
• Closing costs: $5,550
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7466 Stephen Dr Harrisburg, PA	2.0–3.0	2.5	1626	$2,399	$1.47	14d	1	0.20mi
7214 Huntingdon St Harrisburg, PA	2.0	2.5	1374	$1,900	$1.38	44d	1	0.47mi
50 N 67th St Unit 3 Harrisburg, PA	2.0	1.0	770	$1,525	$1.98	44d	1	0.87mi
6550 Somerset St Harrisburg, PA	3.0	2.0	1488	$2,250	$1.51	14d	1	0.95mi
54 N 62nd St Unit 1 Harrisburg, PA	3.0	2.0	1340	$1,750	$1.31	14d	1	1.39mi

Listing history 13 events

1. 2026-05-05
   status Pending 799-char remark
2. 2026-05-01
   listed $185,000 Active 799-char remark
3. 2026-04-29
   historical $185,000 799-char remark
4. 2016-04-21
   soldstatus $89,900
5. 2016-04-15
   soldstatus $89,900 458-char remark

   Show marketing remark (458 chars)

   Great starter! Half a double located close to Hummelstown & Chamber Hill areas with nice yard, shed and plenty of off street parking. Open living room, dining and kitchen area with great potential. Spacious basement that could be finished into family room. Three bedroom, 1.5 baths, full basement and central air. First time buyers and investors welcomed! Price for quick sale. Home needs TLC and is a great home to build fast equity. Call for details!

6. 2016-02-12
   historical 458-char remark

   Show marketing remark (458 chars)

   Great starter! Half a double located close to Hummelstown & Chamber Hill areas with nice yard, shed and plenty of off street parking. Open living room, dining and kitchen area with great potential. Spacious basement that could be finished into family room. Three bedroom, 1.5 baths, full basement and central air. First time buyers and investors welcomed! Price for quick sale. Home needs TLC and is a great home to build fast equity. Call for details!

7. 2015-12-07
   listed $89,900 458-char remark

   Show marketing remark (458 chars)

   Great starter! Half a double located close to Hummelstown & Chamber Hill areas with nice yard, shed and plenty of off street parking. Open living room, dining and kitchen area with great potential. Spacious basement that could be finished into family room. Three bedroom, 1.5 baths, full basement and central air. First time buyers and investors welcomed! Price for quick sale. Home needs TLC and is a great home to build fast equity. Call for details!

8. 2015-10-31
   historical
9. 2015-05-01
   listed $89,900
10. 2012-07-31
    historical
11. 2012-02-07
    listed $114,900
12. 2000-06-02
    soldstatus $73,900
13. 1983-06-16
    soldstatus $45,000

ⓘ 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: $2,305 · $192/mo
• Projected year-2 tax: $2,614 · $218/mo
• Expected delta: +$309/yr (+$26/mo · 13.4%)

ⓘ 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 5/10 Major 7 d/yr ≥101°F today · 15 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 7% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $27,323
• − Mortgage interest: −$10,363
• − Property taxes: −$2,305
• − Insurance: −$925
• − Repairs & maintenance: −$2,186
• − Management: −$2,186
• − Depreciation: −$5,382
• Taxable income: $3,977
• Est. tax owed @ 24.0%: −$955
• After-tax cash flow: $5,759/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 Dauphin SD
• NCES district ID: 4205400
• Math proficiency: 30% ▼ -12.00%
• Reading proficiency: 52% ▼ -7.00%
• Median HH income: $62,792
• Composite: 36.46/100
• National rank: #4664
• State rank: #305 of 539 in PA

Livability — Rutherford

• Score: 67/100
• State rank: #1007
• US rank: #11116

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Rutherford, PA
• County: Dauphin County · 247,857 people
• City population: 35,818
• Metro: Harrisburg-Carlisle, PA
• Population (ZIP): 23,520
• Household income: $115,533
• Rent vs Own: 25.0% rent · 75.0% own
• Severe rent burden: 357.0

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: Predominantly White (82%)
• Race & ethnicity: White 82% Asian 8% Hispanic / Latino 7% Two or more races 4%
• Hispanic origin (detail): Mexican 2% Puerto Rican 3%
• Common ancestry: Romanian 5% Slovak 2% Italian 2%
• Foreign-born: 10% · China, Canada, Vietnam
• Languages at home: 89% English-only · Other Indo-European 4% Spanish 3% Chinese 2%

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: ▼ -97.37%
• Current HPI: 245.2109
• Rent YoY: ▲ 0.55%
• 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

+344.4% since first listed

14 events — show timeline

• 2026-06-11 Sold (MLS) $200,000 BRIGHT MLS
• 2026-05-05 Pending — BRIGHT MLS
• 2026-05-01 Listed $185,000 BRIGHT MLS
• 2026-04-29 Coming Soon $185,000 BRIGHT MLS
• 2016-04-21 Sold (Public Records) $89,900 Public Records
• 2016-04-15 Sold (MLS) $89,900 BRIGHT MLS
• 2016-02-12 Listing Removed — BRIGHT MLS
• 2015-12-07 Listed $89,900 BRIGHT MLS
• 2015-10-31 Listing Removed — BRIGHT MLS
• 2015-05-01 Listed $89,900 BRIGHT MLS
• 2012-07-31 Listing Removed — BRIGHT MLS
• 2012-02-07 Listed $114,900 BRIGHT MLS
• 2000-06-02 Sold (Public Records) $73,900 Public Records
• 1983-06-16 Sold (Public Records) $45,000 Public Records

Property tax history

+1.9%/yr

Latest (2026): $2,305 · +5.5% YoY. Source: county tax records.