316 W Mahanoy St · Mahanoy City, PA 17948

$42,500

3 bd · 1.0 ba · 1,590 sqft · SingleFamily public records · 43 Days on market

Built 1900 871 sqft lot $27/sqft · 36% below area Est $66k · 36% under

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Why this score? — see what drove the A- 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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +7.0/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.7/10.0

Listing remarks MLS

Welcome to 316 W Mahanoy St, a 3-story traditional row home offering steady rental potential in Schuylkill County. Built in 1900, the home offers approximately 1,590 sq ft with 3 bedrooms and 1 bathroom, providing a functional layout that works well for long-term renters. The property features the classic character of an early 1900s row home with three levels of living space, giving tenants comfortable room to spread out. On-street parking is available, and the walkable neighborhood makes everyday errands simple. Tenants will benefit from convenient access to local shops, restaurants, grocery stores, and community amenities, all within a short distance. The location also provides easy commuting via Route 61, Route 209, and Interstate 81, connecting residents to Pottsville, Frackville, and the greater Schuylkill County region. If you're looking to add a low upfront-cost property to your portfolio in a centrally located rental area, 316 W Mahanoy St presents a solid opportunity.

Key facts

• Grocery stores
• On street parking
• Restaurants

Tags

• THREE LEVELS OF LIVING SPACE
• ON STREET PARKING
• WALKABLE NEIGHBORHOOD
• LOCAL SHOPS
• RESTAURANTS
• GROCERY STORES

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $42k.

Deal economics

• At list price, monthly cash flow is $653 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $42k).
• Recommended offer: $41k (3.0% below list) — sets the bar for market timing.
• Cap rate 26.3% vs local median 11.6% in Mahanoy City — 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 65/100 on livability (#1,129 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing A; Watch: schools F, crime F, commute F.
• Mahanoy Area SD (town): math 11% / reading 30% proficiency, ranked #494 of 539 in PA (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 43 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 169 units permitted in Schuylkill County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($294 loan paydown + $2k appreciation (3.9% local appreciation)).
• Schuylkill County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (3.9% appreciation + 3.0% rent growth), your $12k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 43 days — a 3% lower offer ($41k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $5k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $5k; list at $42k implies a 750% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo; built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $41,225 (3.0% below list)

Questions for the listing agent

1. It's been on market 43 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 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. 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?
7. 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.
8. 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.
9. 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: 3.06% ✓
• Cap rate: 26.30%
• Cash-on-cash: 71.46%
• DSCR: 4.18
• GRM: 2.7

CMA / ARV

• ARV (median comp): $66,272
• List price: $42,500
• Delta: -35.87%
• Verdict: UNDERPRICED
• Comps: 17 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
711 Spruce St	0.24mi	3/1.0	1,524 (-4%)	13mo	$48,000	$31	71

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

3.94% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 71.5%
• Equity multiple: 5.11×
• Total profit: $48,939
• Equity at exit: $21,401

10-year hold

• IRR: 70.3%
• Equity multiple: 10.53×
• Total profit: $113,465
• Equity at exit: $34,887

Cash invested: $11,900 (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 17948

• Home prices YoY: 1.7%
• Active inventory: 43
• Price-to-rent: 2.7×

Monthly cashflow live

• Estimated rent: $1,300 medium
• Mortgage (P&I): −$223
• Tax from tax record: −$78 /mo · $933/yr
• Insurance: −$18
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$273
• Net cashflow: $653

Break-even live

Break-even rent $473

Max offer price $42,500

Occupancy floor 45%

Sensitivity live

Price	-10% $677	-5% $665	+0% $653	+5% $641	+10% $629
Rent	-10% $550	-5% $602	+0% $653	+5% $704	+10% $756
Rate	-1.0pp $674	-0.5pp $664	base $653	+0.5pp $642	+1.0pp $631

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: $10,625
• Closing costs: $1,275
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
324 E Market St Mahanoy City, PA	3.0	1.5	1314	$1,300	$0.99	44d	1	0.42mi

Listing history 6 events

1. 2026-05-18
   price $42,500 991-char remark

   Show marketing remark (991 chars)

   Welcome to 316 W Mahanoy St, a 3-story traditional row home offering steady rental potential in Schuylkill County. Built in 1900, the home offers approximately 1,590 sq ft with 3 bedrooms and 1 bathroom, providing a functional layout that works well for long-term renters. The property features the classic character of an early 1900s row home with three levels of living space, giving tenants comfortable room to spread out. On-street parking is available, and the walkable neighborhood makes everyday errands simple. Tenants will benefit from convenient access to local shops, restaurants, grocery stores, and community amenities, all within a short distance. The location also provides easy commuting via Route 61, Route 209, and Interstate 81, connecting residents to Pottsville, Frackville, and the greater Schuylkill County region. If you're looking to add a low upfront-cost property to your portfolio in a centrally located rental area, 316 W Mahanoy St presents a solid opportunity.

2. 2026-05-18
   status Active 991-char remark

   Show marketing remark (991 chars)

   Welcome to 316 W Mahanoy St, a 3-story traditional row home offering steady rental potential in Schuylkill County. Built in 1900, the home offers approximately 1,590 sq ft with 3 bedrooms and 1 bathroom, providing a functional layout that works well for long-term renters. The property features the classic character of an early 1900s row home with three levels of living space, giving tenants comfortable room to spread out. On-street parking is available, and the walkable neighborhood makes everyday errands simple. Tenants will benefit from convenient access to local shops, restaurants, grocery stores, and community amenities, all within a short distance. The location also provides easy commuting via Route 61, Route 209, and Interstate 81, connecting residents to Pottsville, Frackville, and the greater Schuylkill County region. If you're looking to add a low upfront-cost property to your portfolio in a centrally located rental area, 316 W Mahanoy St presents a solid opportunity.

3. 2026-05-14
   historical 991-char remark

   Show marketing remark (991 chars)

   Welcome to 316 W Mahanoy St, a 3-story traditional row home offering steady rental potential in Schuylkill County. Built in 1900, the home offers approximately 1,590 sq ft with 3 bedrooms and 1 bathroom, providing a functional layout that works well for long-term renters. The property features the classic character of an early 1900s row home with three levels of living space, giving tenants comfortable room to spread out. On-street parking is available, and the walkable neighborhood makes everyday errands simple. Tenants will benefit from convenient access to local shops, restaurants, grocery stores, and community amenities, all within a short distance. The location also provides easy commuting via Route 61, Route 209, and Interstate 81, connecting residents to Pottsville, Frackville, and the greater Schuylkill County region. If you're looking to add a low upfront-cost property to your portfolio in a centrally located rental area, 316 W Mahanoy St presents a solid opportunity.

4. 2026-04-09
   listed $47,100 Active 991-char remark

   Show marketing remark (991 chars)

   Welcome to 316 W Mahanoy St, a 3-story traditional row home offering steady rental potential in Schuylkill County. Built in 1900, the home offers approximately 1,590 sq ft with 3 bedrooms and 1 bathroom, providing a functional layout that works well for long-term renters. The property features the classic character of an early 1900s row home with three levels of living space, giving tenants comfortable room to spread out. On-street parking is available, and the walkable neighborhood makes everyday errands simple. Tenants will benefit from convenient access to local shops, restaurants, grocery stores, and community amenities, all within a short distance. The location also provides easy commuting via Route 61, Route 209, and Interstate 81, connecting residents to Pottsville, Frackville, and the greater Schuylkill County region. If you're looking to add a low upfront-cost property to your portfolio in a centrally located rental area, 316 W Mahanoy St presents a solid opportunity.

5. 2021-03-19
   soldstatus $5,000
6. 2003-10-01
   soldstatus $15,000

ⓘ 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: $933 · $78/mo
• Projected year-2 tax: $933 · $78/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 3/10 Moderate
• 🌡 Heat 4/10 Moderate 8 d/yr ≥92°F today · 18 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 7% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,600
• − Mortgage interest: −$2,381
• − Property taxes: −$933
• − Insurance: −$879
• − Repairs & maintenance: −$1,248
• − Management: −$1,248
• − Depreciation: −$1,236
• Taxable income: $7,675
• Est. tax owed @ 24.0%: −$1,842
• After-tax cash flow: $5,995/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: Mahanoy Area SD
• NCES district ID: 4214430
• Math proficiency: 11% ▼ -9.00%
• Reading proficiency: 30% ▼ -13.00%
• Median HH income: $36,347
• Composite: 16.95/100
• National rank: #9136
• State rank: #494 of 539 in PA

Livability — Mahanoy City

• Score: 65/100
• State rank: #1129
• US rank: #12973

Category grades

Amenities C Commute F 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: Mahanoy City, PA
• Population (ZIP): 4,124

Population outlook (Schuylkill County) Hauer SSP2

• Today (2025): 137,447 people
• By 2030: 133,121 · -3.1%
• By 2040: 124,172 · -9.7%
• By 2050: 115,611 · -15.9%
• By 2075: 100,796 · -26.7%
• By 2100: 86,667 · -36.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (81%)
• Race & ethnicity: White 81% Hispanic / Latino 15% Two or more races 9%
• Hispanic origin (detail): Mexican 2% Puerto Rican 5% Dominican 8%
• Common ancestry: Romanian 9% Iranian 3% Hungarian 1%
• Foreign-born: 6% · Canada
• Languages at home: 86% English-only · Spanish 11% Arabic 2%

Political lean MEDSL · Schuylkill

• 2024 margin: Solid R (+42.1) · D 28.5% · R 70.6%
• 2008→2024 swing: -33.4pp toward R · 2008: -8.7pp · 2024: -42.1pp
• All cycles: 2024: R+42.1 2020: R+39.9 2016: R+43.4 2012: R+13.4 2008: R+8.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 3.94%
• Current HPI: 234.7484
• 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

+183.3% since first listed

6 events — show timeline

• 2026-05-18 Price Changed $42,500 BRIGHT MLS
• 2026-05-18 Relisted — BRIGHT MLS
• 2026-05-14 Listing Removed — BRIGHT MLS
• 2026-04-09 Listed $47,100 BRIGHT MLS
• 2021-03-19 Sold (Public Records) $5,000 Public Records
• 2003-10-01 Sold (Public Records) $15,000 Public Records

Property tax history

+1.8%/yr

Latest (2025): $933 · +5.7% YoY. Source: county tax records.