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South Hills

Investing in Upper St. Clair

A Pittsburgh investor's snapshot of Upper St. Clair — typical rents, rent-to-price, renovation values, and how the numbers pencil for rentals and flips.

Rental snapshot

Appreciation
Rent-to-price0.48–0.55%/mo
Price / unit (2–4 unit)$290K–$395K/unit
1-BR rent$1,175–$1,400/mo
2-BR rent$1,650–$1,875/mo
3-BR rent$1,975–$2,225/mo

Flip / value-add snapshot

Premium
Renovated ARV$500-$805K
Typical buy range$275K-$550K

Premium zip. Rare distressed deals. Exceptional margin.

How Upper St. Clair pencils

  • rents alone will not carry the debt at list — this is an appreciation or value-add play, not a cashflow one
  • there is a real spread between buy price and renovated value, so a value-add works when you buy right
  • entry prices sit near the top of the metro

Against the rest of the metro

178th
best rent-to-price of 192 submarkets
98%
of Pittsburgh submarkets are cheaper to buy into
1.58×
renovated value vs. typical buy price

What a typical Upper St. Clair rental looks like

Purchase (midpoint of the range)$412,500
Rent (typical 2-bed)$1,763/mo
Down payment (25%)$103,125
Principal & interest (7%, 30yr)$2,058/mo
Taxes & insurance$756/mo
Vacancy & maintenance (7% + 10%)$300/mo
Estimated cashflow$-1,352/mo

-15.7% cash-on-cash on the down payment alone

Self-managed, before closing costs and rehab. Midpoints of the published ranges — a real property will differ, which is what the analysis on an actual address is for.

Want Upper St. Clair deals as they come up?

I'll talk through the market, your buy box, and your goals — then send off-market and new Upper St. Clair deals that fit.

If Upper St. Clair works for you, look at these

Similar entry price, rent-to-price and renovated value.

Directional investment estimates showing where the numbers point — not an appraisal, and not a statement about any community or its residents. Always run real comps and rents on a specific property. Equal Housing Opportunity.