60 Schuylkill St · Cressona, PA 17929

$164,000

3 bd · 1.5 ba · 1,443 sqft · Townhouse public records · 51 Days on market

Built 1910 5,663 sqft lot $114/sqft · 29% below area Est $233k · 29% under

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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 +15.3/30.0
• ARV discount +15.0/15.0
• Appreciation +10.0/10.0
• DSCR +4.7/10.0
• Schools +4.6/10.0
• 1% rule +4.1/10.0
• Livability +3.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

This beautifully updated semi-detached home is move-in ready and waiting for its new owners. Step inside to a bright and airy main level featuring brand-new plank laminate flooring and a fresh, neutral paint palette that flows throughout the entire home. The heart of the home is the spacious kitchen, boasting beautifully updated cabinetry, stylish new countertops, and a useful walk-in pantry—perfect for all your storage needs. Just off the kitchen, you'll find a convenient half-bath. Head upstairs to find three comfortable bedrooms, and an office all featuring brand-new carpeting and a full bathroom. The interior is rounded out by a bonus attic space, offering expansive room for all your extra storage. Enjoy your morning coffee or host weekend BBQs on the expansive rear deck overlooking a large, fully fenced yard. The deck has just been freshened up with new deck boards and an added convenient vestibule and back door. Best of all, this property includes rear off-street parking for two vehicles, providing both convenience and peace of mind. Don't miss out on this gem—schedule your showing today!

Key facts

• Bonus attic space
• Expansive rear deck
• New countertops

Tags

• UPDATED CABINETRY
• NEW COUNTERTOPS
• WALK-IN PANTRY
• BONUS ATTIC SPACE
• EXPANSIVE REAR DECK
• FULLY FENCED YARD

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath townhouse listed at $164k.

Deal economics

• At list price, monthly cash flow is $61 ($731/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 $150k (8.5% below list).
• Recommended offer: $150k (8.5% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 77/100 on livability (#343 in PA, #3,022 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F.
• Blue Mountain SD (town): math 42% / reading 65% proficiency, ranked #126 of 539 in PA (top 23%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Blue Mountain El East Sch (math 44% / reading 68%, grade C+, #489 of 1,518 statewide, top 32%, 616 students, 33% FRL); Blue Mountain Ms (math 25% / reading 60%, grade D-, #216 of 512 statewide, top 43%, 575 students, 34% FRL); Blue Mountain Hs (math 62%, 803 students, 29% FRL).
• Market conditions: 14 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 $18k of equity ($1k loan paydown + $16k appreciation (10.0% 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 (10.0% appreciation + 3.0% rent growth), your $46k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$44k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 51 days — a 3% lower offer ($159k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 19y 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 $25k; list at $164k implies a 556% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1910 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $150,000 (8.5% below list)

Questions for the listing agent

1. It's been on market 51 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1910 — 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 B-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?
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: 0.91% ✗
• Cap rate: 6.74%
• Cash-on-cash: 1.59%
• DSCR: 1.07
• GRM: 9.1

CMA / ARV

• ARV (median comp): $232,602
• List price: $164,000
• Delta: -29.49%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
81 Front St	0.18mi	3/1.5	1,426 (-1%)	2mo	$180,000	$126	88
54 Walnut St	0.43mi	4/2.0 (+1)	1,456 (+1%)	2mo	$171,000	$117	70
37 Railroad St	0.08mi	3/2.5	1,578 (+9%)	16mo	$250,000	$158	63
35 Railroad St	0.09mi	3/2.5	1,578 (+9%)	16mo	$253,000	$160	63
33 Railroad St	0.09mi	3/2.5	1,578 (+9%)	16mo	$250,000	$158	63
31 Railroad St	0.09mi	3/2.5	1,578 (+9%)	18mo	$250,000	$158	61
34 Marsha Dr	0.22mi	3/2.5	1,560 (+8%)	16mo	$245,000	$157	59
52 N 4th St	0.49mi	3/1.0	1,352 (-6%)	14mo	$135,000	$100	53
111 Pottsville St	0.55mi	3/1.0	1,600 (+11%)	2mo	$155,000	$97	52
2 Marsha Dr	0.35mi	3/1.5	1,240 (-14%)	11mo	$240,000	$194	51
5 Marsha Dr	0.34mi	3/1.5	1,240 (-14%)	12mo	$227,000	$183	51
144 Pottsville St	0.65mi	2/1.0 (-1)	1,292 (-10%)	10mo	$35,000	$27	37

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

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 25.4%
• Equity multiple: 3.03×
• Total profit: $93,216
• Equity at exit: $147,744

10-year hold

• IRR: 22.4%
• Equity multiple: 6.91×
• Total profit: $271,489
• Equity at exit: $318,616

Cash invested: $45,920 (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 17929

• Home prices YoY: 7.0%
• Active inventory: 14
• Price-to-rent: 9.1×

Monthly cashflow live

• Estimated rent: $1,500 medium
• Mortgage (P&I): −$860
• Tax from tax record: −$196 /mo · $2,348/yr
• Insurance: −$68
• HOA: −$0
• Vacancy / Maint / Mgmt: −$315
• Net cashflow: $61

Break-even live

Break-even rent $1,423

Max offer price $164,000

Occupancy floor 91%

Sensitivity live

Price	-10% $154	-5% $107	+0% $61	+5% $15	+10% $-32
Rent	-10% $-58	-5% $2	+0% $61	+5% $120	+10% $179
Rate	-1.0pp $144	-0.5pp $103	base $61	+0.5pp $18	+1.0pp $-25

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: $41,000
• Closing costs: $4,920
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
136 W Main St Schuylkill Haven, PA	3.0	2.0	1400	$1,500	$1.07	45d	1	0.84mi

Listing history 28 events

1. 2026-06-16
   status $164,000 Pending 51 DOM
2. 2026-06-15
   days on market $164,000 Active 51 DOM
3. 2026-06-14
   days on market $164,000 Active 49 DOM
4. 2026-06-12
   days on market $164,000 Active 48 DOM
5. 2026-06-09
   days on market $164,000 Active 45 DOM
6. 2026-06-08
   days on market $164,000 Active 44 DOM
7. 2026-06-07
   days on market $164,000 Active 43 DOM
8. 2026-06-07
   days on market $164,000 Active 42 DOM
9. 2026-06-04
   days on market $164,000 Active 39 DOM
10. 2026-06-02
    days on market $164,000 Active 38 DOM
11. 2026-06-01
    days on market $164,000 Active 37 DOM
12. 2026-05-31
    days on market $164,000 Active 36 DOM
13. 2026-05-31
    days on market $164,000 Active 35 DOM
14. 2026-05-06
    status Pending 1123-char remark

    Show marketing remark (1123 chars)

    This beautifully updated semi-detached home is move-in ready and waiting for its new owners. Step inside to a bright and airy main level featuring brand-new plank laminate flooring and a fresh, neutral paint palette that flows throughout the entire home. The heart of the home is the spacious kitchen, boasting beautifully updated cabinetry, stylish new countertops, and a useful walk-in pantry—perfect for all your storage needs. Just off the kitchen, you'll find a convenient half-bath. Head upstairs to find three comfortable bedrooms, and an office all featuring brand-new carpeting and a full bathroom. The interior is rounded out by a bonus attic space, offering expansive room for all your extra storage. Enjoy your morning coffee or host weekend BBQs on the expansive rear deck overlooking a large, fully fenced yard. The deck has just been freshened up with new deck boards and an added convenient vestibule and back door. Best of all, this property includes rear off-street parking for two vehicles, providing both convenience and peace of mind. Don't miss out on this gem—schedule your showing today!

15. 2026-04-28
    price $164,000 1123-char remark

    Show marketing remark (1123 chars)

    This beautifully updated semi-detached home is move-in ready and waiting for its new owners. Step inside to a bright and airy main level featuring brand-new plank laminate flooring and a fresh, neutral paint palette that flows throughout the entire home. The heart of the home is the spacious kitchen, boasting beautifully updated cabinetry, stylish new countertops, and a useful walk-in pantry—perfect for all your storage needs. Just off the kitchen, you'll find a convenient half-bath. Head upstairs to find three comfortable bedrooms, and an office all featuring brand-new carpeting and a full bathroom. The interior is rounded out by a bonus attic space, offering expansive room for all your extra storage. Enjoy your morning coffee or host weekend BBQs on the expansive rear deck overlooking a large, fully fenced yard. The deck has just been freshened up with new deck boards and an added convenient vestibule and back door. Best of all, this property includes rear off-street parking for two vehicles, providing both convenience and peace of mind. Don't miss out on this gem—schedule your showing today!

16. 2026-04-03
    listed $169,000 Active 1123-char remark

    Show marketing remark (1123 chars)

    This beautifully updated semi-detached home is move-in ready and waiting for its new owners. Step inside to a bright and airy main level featuring brand-new plank laminate flooring and a fresh, neutral paint palette that flows throughout the entire home. The heart of the home is the spacious kitchen, boasting beautifully updated cabinetry, stylish new countertops, and a useful walk-in pantry—perfect for all your storage needs. Just off the kitchen, you'll find a convenient half-bath. Head upstairs to find three comfortable bedrooms, and an office all featuring brand-new carpeting and a full bathroom. The interior is rounded out by a bonus attic space, offering expansive room for all your extra storage. Enjoy your morning coffee or host weekend BBQs on the expansive rear deck overlooking a large, fully fenced yard. The deck has just been freshened up with new deck boards and an added convenient vestibule and back door. Best of all, this property includes rear off-street parking for two vehicles, providing both convenience and peace of mind. Don't miss out on this gem—schedule your showing today!

17. 2018-05-22
    historical
18. 2017-11-10
    listed $69,900
19. 2014-06-25
    soldstatus $25,000
20. 2014-03-31
    soldstatus $25,000
21. 2014-03-21
    soldstatus $25,000
22. 2014-03-12
    historical
23. 2014-02-12
    listed $30,000
24. 2007-04-27
    soldstatus $84,900
25. 2007-04-27
    soldstatus $84,900
26. 2007-03-14
    historical
27. 2007-01-17
    listed $84,900
28. 1999-10-22
    soldstatus $63,000

ⓘ 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: $2,348 · $196/mo
• Projected year-2 tax: $2,470 · $206/mo
• Expected delta: +$121/yr (+$10/mo · 5.2%)

ⓘ 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 ≥97°F today · 16 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 8% 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: $18,000
• − Mortgage interest: −$9,187
• − Property taxes: −$2,348
• − Insurance: −$820
• − Repairs & maintenance: −$1,440
• − Management: −$1,440
• − Depreciation: −$4,771
• Taxable loss: −$2,006
• Est. tax savings @ 24.0%: +$481
• After-tax cash flow: $1,213/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: Blue Mountain SD
• NCES district ID: 4203870
• Math proficiency: 42% ▼ -9.00%
• Reading proficiency: 65% ▼ -7.00%
• Median HH income: $58,661
• Composite: 46.42/100
• National rank: #2454
• State rank: #126 of 539 in PA

Livability — Cressona

• Score: 77/100
• State rank: #343
• US rank: #3022

Category grades

Amenities F 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: Cressona, PA
• City population: 1,369
• Population (ZIP): 1,369

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 (92%)
• Race & ethnicity: White 92% Two or more races 5% Hispanic / Latino 4%
• Common ancestry: Romanian 7% Polish 5% Iranian 4%
• Foreign-born: 1%
• Languages at home: 98% English-only · German/W. Germanic 1% Spanish 1%

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: ▲ 13.90%
• Current HPI: 211.4846
• 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

+160.3% since first listed

15 events — show timeline

• 2026-05-06 Pending — BRIGHT MLS
• 2026-04-28 Price Changed $164,000 BRIGHT MLS
• 2026-04-03 Listed $169,000 BRIGHT MLS
• 2018-05-22 Listing Removed — BRIGHT MLS
• 2017-11-10 Listed $69,900 BRIGHT MLS
• 2014-06-25 Sold (Public Records) $25,000 Public Records
• 2014-03-31 Sold (MLS) $25,000 BRIGHT MLS
• 2014-03-21 Sold (Public Records) $25,000 Public Records
• 2014-03-12 Listing Removed — BRIGHT MLS
• 2014-02-12 Listed $30,000 BRIGHT MLS
• 2007-04-27 Sold (Public Records) $84,900 Public Records
• 2007-04-27 Sold (MLS) $84,900 BRIGHT MLS
• 2007-03-14 Listing Removed — BRIGHT MLS
• 2007-01-17 Listed $84,900 BRIGHT MLS
• 1999-10-22 Sold (Public Records) $63,000 Public Records

Property tax history

+2.0%/yr

Latest (2025): $2,348 · +9.4% YoY. Source: county tax records.