286 Ohio Ave · Clairton, PA 15025

$49,900

3 bd · 1.0 ba · 1,280 sqft · SingleFamily public records · 9 Days on market

Built 1920 1,973 sqft lot Est $90k · 44% 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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Rent growth +5.0/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Schools +1.1/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Brick row house. Covered front porch, brick patio in back of home. Pull down attic stairs

Key facts

• Front porch
• Private rear yard
• Gas stove

Tags

• FRONT PORCH
• PRIVATE REAR YARD
• DIRECT ACCESS FROM KITCHEN
• GAS STOVE
• REFRIGERATOR
• OUTDOOR ENJOYMENT

Property features AI

Exterior

• Parking: On-street parking; 2 total parking spaces
• Utilities: Public water; Public sewer
• Home design: 2-story residence; Resale property
• Construction: Brick construction; Asphalt roof
• Exterior features: Small lot (approximately 0.045 acres)

Interior

• Kitchen: Refrigerator; Stove; Some gas appliances
• Bedrooms: Includes multiple bedrooms (total rooms: 8)
• Flooring: Carpet; Vinyl
• Bathrooms: 1 full bathroom
• Heating & cooling: Forced air heating (gas); Central air conditioning
• Interior features: Full basement
• Laundry & utility: Has utility connections

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $50k.

Deal economics

• At list price, monthly cash flow is $736 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $50k).
• Cap rate 24.0% vs local median 12.7% in Clairton — 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 63/100 on livability (#1,308 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A; Watch: crime C-, health & safety D+, schools F.
• Clairton City SD (suburban): math 7% / reading 21% proficiency, ranked #520 of 539 in PA (top 96%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 82% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+10.5%/yr); 94 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 43% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $345 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $14k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 7y 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 $16k; list at $50k implies a 212% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $49,900

Questions for the listing agent

1. Built in 1920 — 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 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?
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: 2.82% ✓
• Cap rate: 23.99%
• Cash-on-cash: 63.20%
• DSCR: 3.81
• GRM: 3.0

CMA / ARV

• ARV (on-the-fly): $89,600
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
148 Carnegie Ave	0.39mi	3/1.0	1,314 (+3%)	4mo	$75,000	$57	73
1007 N 6th St	0.11mi	3/2.0	1,250 (-2%)	19mo	$87,500	$70	71
357 Ohio Ave	0.11mi	4/1.0 (+1)	1,424 (+11%)	4mo	$25,000	$18	67
320 N 4th St	0.67mi	3/1.0	1,290 (+1%)	2mo	$87,000	$67	66
612 Walnut Ave	0.57mi	3/1.5	1,282 (+0%)	12mo	$114,900	$90	61
416 Walnut Ave	0.55mi	3/1.0	1,100 (-14%)	4mo	$70,000	$64	48
1036 Indiana Ave	0.70mi	3/1.5	1,256 (-2%)	19mo	$95,000	$76	46
422 N 3rd St	0.59mi	3/1.5	1,440 (+12%)	7mo	$42,500	$30	43
138 Hollywood Dr	0.70mi	3/2.0	1,218 (-5%)	22mo	$245,000	$201	37
1040 Indiana Ave	0.69mi	3/2.0	1,160 (-9%)	14mo	$138,500	$119	36
1035 Ohio Ave	0.62mi	3/1.0	1,134 (-11%)	24mo	$80,000	$71	32
116 Division Ave	0.73mi	4/2.0 (+1)	1,440 (+12%)	7mo	$93,410	$65	30

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 68.0%
• Equity multiple: 4.31×
• Total profit: $46,253
• Equity at exit: $7,440

10-year hold

• IRR: 73.7%
• Equity multiple: 10.63×
• Total profit: $134,603
• Equity at exit: $4,314

Cash invested: $13,972 (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 15025

• Home prices YoY: -34.4%
• Rents YoY: 10.5%
• Active inventory: 94
• Price-to-rent: 3.0×

Monthly cashflow live

• Estimated rent: $1,406 high
• Mortgage (P&I): −$262
• Tax from tax record: −$92 /mo · $1,106/yr
• Insurance: −$21
• HOA: −$0
• Vacancy / Maint / Mgmt: −$295
• Net cashflow: $736

Break-even live

Break-even rent $474

Max offer price $49,900

Occupancy floor 43%

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: $12,475
• Closing costs: $1,497
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
231 Connecticut Ave Clairton, PA	3.0	1.0	1064	$1,150	$1.08	43d	1	0.13mi
185 Carnegie Ave Clairton, PA	3.0	1.0	1404	$1,295	$0.92	43d	1	0.43mi
507 N 6th St Clairton, PA	2.0	1.5	1120	$1,250	$1.12	43d	1	0.55mi
1044 Delaware Ave Glassport, PA	3.0	1.0	1200	$1,350	$1.12	20d	1	0.74mi
833 Vermont Ave Glassport, PA	3.0	1.0	1290	$1,395	$1.08	23d	1	0.84mi
511 Payne Hill Rd Clairton, PA	1.0–3.0	1.0–2.0	1026	$1,900	$1.85	1d	1	1.16mi
701-703 Waddell Ave Clairton, PA	4.0	1.0	1200	$1,850	$1.54	1d	1	1.30mi

Listing history 7 events

1. 2026-06-18
   days on market $49,900 Active 9 DOM
2. 2026-06-17
   days on market $49,900 Active 8 DOM
3. 2026-06-16
   days on market $49,900 Active 7 DOM
4. 2026-06-15
   days on market $49,900 Active 6 DOM
5. 2026-06-13
   days on market $49,900 Active 4 DOM
6. 2026-06-10
   remarks 568-char remark
7. 2026-06-10
   listed $49,900 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: $1,106 · $92/mo
• Projected year-2 tax: $1,106 · $92/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥98°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 5/10 Major 8 unhealthy d/yr today · 8 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,869
• − Mortgage interest: −$2,795
• − Property taxes: −$1,106
• − Insurance: −$250
• − Repairs & maintenance: −$1,350
• − Management: −$1,350
• − Depreciation: −$1,452
• Taxable income: $8,568
• Est. tax owed @ 24.0%: −$2,056
• After-tax cash flow: $6,775/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: Clairton City SD
• NCES district ID: 4206030
• Math proficiency: 7% ▼ -11.00%
• Reading proficiency: 21% ▼ -12.00%
• Median HH income: $30,250
• Composite: 11.0/100
• National rank: #9742
• State rank: #520 of 539 in PA

Livability — Clairton

• Score: 63/100
• State rank: #1308
• US rank: #16085

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Clairton, PA
• County: Allegheny County · 1,022,028 people
• City population: 16,939
• Metro: Pittsburgh, PA
• Population (ZIP): 16,939
• Household income: $76,531
• Rent vs Own: 25.1% rent · 74.9% own
• Severe rent burden: 572.0

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: Predominantly White (74%)
• Race & ethnicity: White 74% Black 18% Two or more races 4% Asian 2% Hispanic / Latino 2%
• Common ancestry: Romanian 6% Lithuanian 2% Slovak 1%
• Foreign-born: 4% · China, Canada, India
• Languages at home: 96% English-only · Other Indo-European 1% Chinese 1% Spanish 1%

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: ▼ -96.35%
• Current HPI: 183.858
• Rent YoY: ▲ 10.47%
• 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

+193.5% since first listed

6 events — show timeline

• 2026-06-09 Listed $49,900 West Penn MLS
• 2019-07-15 Sold (Public Records) $16,000 Public Records
• 2019-06-28 Sold (MLS) $16,000 West Penn MLS
• 2019-04-14 Contingent — West Penn MLS
• 2019-04-09 Listed $19,900 West Penn MLS
• 1986-09-18 Sold (Public Records) $17,000 Public Records

Property tax history

+26.0%/yr

Latest (2026): $1,106 · +11.0% YoY. Source: county tax records.