218 Vine St · Munhall, PA 15120

$80,000

1 bd · 1.0 ba · 640 sqft · SingleFamily public records · 48 Days on market

Built 1950 4,499 sqft lot $125/sqft · at area comps Est $79k · at est.

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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 +26.2/30.0
• DSCR +8.9/10.0
• 1% rule +7.7/10.0
• ARV discount +6.7/15.0
• Livability +3.9/5.0
• Rent growth +3.5/5.0
• Schools +3.1/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Adorable ranch which would make great starter or rental on fabulous street, wonderful double lot, very well maintained, 1st time available for sale or rent since 1972,short drive to Waterfront area, restaraunts, shopping etc. ,large living room and eat in kitchen.

Key facts

• Quiet street
• Front deck
• Back yard

Tags

• QUIET STREET
• FRONT DECK
• BACK YARD

Property features AI

Exterior

• Parking: On-street parking; 2 total parking spaces
• Utilities: Public water; Public sewer
• Home design: Single-story; Resale property
• Construction: Vinyl siding; Asphalt roof
• Exterior features: Public transportation access

Interior

• Flooring: Carpet; Laminate
• Bathrooms: 1 full bathroom
• Heating & cooling: Gas heating
• Interior features: Basement; Carpet and laminate flooring

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath single-family listed at $80k.

Deal economics

• At list price, monthly cash flow is $204 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $80k).
• Recommended offer: $78k (3.0% below list) — sets the bar for market timing.
• Cap rate 9.4% vs local median 7.3% in Munhall — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 78/100 on livability (#308 in PA, #2,734 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: employment D+, amenities F.
• Steel Valley SD (suburban): math 29% / reading 45% proficiency, ranked #403 of 539 in PA (top 75%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising fast (+4.1%/yr); 92 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 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 $553 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 4.1% rent growth), your $22k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 48 days — a 3% lower offer ($78k) is reasonable based on typical stale-listing flexibility.
• 6 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.
• Current owner paid $21k; list at $80k implies a 281% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1950 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $77,600 (3.0% below list)

Questions for the listing agent

1. It's been on market 48 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 1950 — 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: 1.27% ✓
• Cap rate: 9.36%
• Cash-on-cash: 10.95%
• DSCR: 1.49
• GRM: 6.6

CMA / ARV

• ARV (median comp): $78,524
• List price: $80,000
• Delta: 1.88%
• Verdict: FAIR
• Comps: 14 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 4.06% rent growth · sell at horizon

5-year hold

• IRR: 1.4%
• Equity multiple: 1.05×
• Total profit: $1,190
• Equity at exit: $11,928

10-year hold

• IRR: 12.1%
• Equity multiple: 2.01×
• Total profit: $22,560
• Equity at exit: $6,917

Cash invested: $22,400 (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 15120

• Home prices YoY: -16.9%
• Rents YoY: 4.1%
• Active inventory: 92
• Price-to-rent: 6.6×

Monthly cashflow live

• Estimated rent: $1,015 high
• Mortgage (P&I): −$420
• Tax from tax record: −$145 /mo · $1,738/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$213
• Net cashflow: $204

Break-even live

Break-even rent $757

Max offer price $80,000

Occupancy floor 75%

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: $20,000
• Closing costs: $2,400
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
347 E 13th Ave Homestead, PA	1.0	1.0	435	$695	$1.60	21d	1	0.64mi
526 E 8th Ave Apt 3 Munhall, PA	1.0	1.0	450	$695	$1.54	17d	1	0.67mi
811 West St Apt 1B Homestead, PA	1.0	1.0	750	$1,250	$1.67	43d	1	0.99mi
126 W 9th Ave Unit 2R Homestead, PA	1.0	1.0	500	$900	$1.80	23d	1	1.00mi
2319 S Braddock Ave Unit 2 Pittsburgh, PA	1.0	1.0	600	$1,090	$1.82	23d	1	1.20mi
4 St Therese Ct Munhall, PA	1.0	1.0	620	$1,275	$2.06	43d	1	1.20mi
640 Braddock Ave Braddock, PA	—	1.0	522	$1,899	$3.64	1d	1	1.34mi
7338 Whipple St Unit 10 Swissvale, PA	1.0	1.0	685	$920	$1.34	23d	1	1.46mi
7340 Whipple St Swissvale, PA	1.0	1.0	685	$920	$1.34	23d	2	1.46mi

Listing history 26 events

1. 2026-06-18
   days on market $80,000 Active 48 DOM
2. 2026-06-17
   days on market $80,000 Active 47 DOM
3. 2026-06-16
   days on market $80,000 Active 46 DOM
4. 2026-06-15
   days on market $80,000 Active 45 DOM
5. 2026-06-13
   days on market $80,000 Active 43 DOM
6. 2026-06-09
   days on market $80,000 Active 39 DOM
7. 2026-06-08
   days on market $80,000 Active 38 DOM
8. 2026-06-07
   days on market $80,000 Active 37 DOM
9. 2026-06-05
   days on market $80,000 Active 34 DOM
10. 2026-06-03
    days on market $80,000 Active 33 DOM
11. 2026-06-02
    days on market $80,000 Active 32 DOM
12. 2026-06-01
    days on market $80,000 Active 31 DOM
13. 2026-05-31
    days on market $80,000 Active 30 DOM
14. 2026-05-01
    listed $80,000 Active 472-char remark
15. 2026-04-28
    historical $895
16. 2026-04-24
    listed $895
17. 2026-04-24
    historical $895
18. 2026-04-17
    listed $895
19. 2026-04-02
    historical $945
20. 2026-01-08
    listed $945
21. 2026-01-08
    historical $945
22. 2025-12-16
    listed $945
23. 2012-07-11
    soldstatus $21,000
24. 2012-06-20
    price $29,900 264-char remark

    Show marketing remark (264 chars)

    Adorable ranch which would make great starter or rental on fabulous street, wonderful double lot, very well maintained, 1st time available for sale or rent since 1972,short drive to Waterfront area, restaraunts, shopping etc. ,large living room and eat in kitchen.

25. 2012-06-20
    soldstatus $21,000 264-char remark

    Show marketing remark (264 chars)

    Adorable ranch which would make great starter or rental on fabulous street, wonderful double lot, very well maintained, 1st time available for sale or rent since 1972,short drive to Waterfront area, restaraunts, shopping etc. ,large living room and eat in kitchen.

26. 2012-01-06
    listed $21,000 264-char remark

    Show marketing remark (264 chars)

    Adorable ranch which would make great starter or rental on fabulous street, wonderful double lot, very well maintained, 1st time available for sale or rent since 1972,short drive to Waterfront area, restaraunts, shopping etc. ,large living room and eat in kitchen.

ⓘ 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: $1,738 · $145/mo
• Projected year-2 tax: $1,738 · $145/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 ≥97°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,183
• − Mortgage interest: −$4,481
• − Property taxes: −$1,738
• − Insurance: −$400
• − Repairs & maintenance: −$975
• − Management: −$975
• − Depreciation: −$2,327
• Taxable income: $1,287
• Est. tax owed @ 24.0%: −$309
• After-tax cash flow: $2,143/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: Steel Valley SD
• NCES district ID: 4222790
• Math proficiency: 29% ▼ -1.00%
• Reading proficiency: 45% ▼ -4.00%
• Median HH income: $39,505
• Composite: 30.94/100
• National rank: #6111
• State rank: #403 of 539 in PA

Livability — Munhall

• Score: 78/100
• State rank: #308
• US rank: #2734

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Munhall, PA
• County: Allegheny County · 1,022,028 people
• City population: 18,029
• Metro: Pittsburgh, PA
• Population (ZIP): 18,029
• Household income: $55,714
• Rent vs Own: 36.8% rent · 63.2% own
• Severe rent burden: 669.0

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 20% Two or more races 4% Hispanic / Latino 2%
• Common ancestry: Romanian 6% Lithuanian 1% Scotch-Irish 1%
• Foreign-born: 3% · South Korea, Canada
• Languages at home: 95% English-only · Spanish 3% Russian/Polish/Slavic 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: ▼ -59.52%
• Current HPI: 292.5607
• Rent YoY: ▲ 4.06%
• 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

+281.0% since first listed

13 events — show timeline

• 2026-05-01 Listed $80,000 West Penn MLS
• 2026-04-28 Rental Removed $895 WPMLS
• 2026-04-24 Listed for Rent $895 WPMLS
• 2026-04-24 Rental Removed $895 SHOWMOJO
• 2026-04-17 Listed for Rent $895 SHOWMOJO
• 2026-04-02 Rental Removed $945 WPMLS
• 2026-01-08 Listed for Rent $945 WPMLS
• 2026-01-08 Rental Removed $945 SHOWMOJO
• 2025-12-16 Listed for Rent $945 SHOWMOJO
• 2012-07-11 Sold (Public Records) $21,000 Public Records
• 2012-06-20 Sold (MLS) $21,000 West Penn MLS
• 2012-06-20 Price Changed $29,900 West Penn MLS
• 2012-01-06 Listed $21,000 West Penn MLS

Property tax history

+3.2%/yr

Latest (2026): $1,738 · +3.9% YoY. Source: county tax records.