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109 S 5th St, Youngwood, PA, 15697

2beds
2baths
--sqft
$185,000
--price/sqft
$1,423/moest. monthly cost
$56,920/yrincome needed

About This Home

This up and down duplex with a 2 car detached garage sits in a location seasoned investors love and new investors dream about: no zoning restrictions, effortless access to major routes, and minutes from shopping, dining, and everyday amenities. It’s the kind of property that doesn’t just perform — it positions you for long term flexibility and growth. This property offers the kind of versatility investors crave. Picture this: Live in one unit while the other pays your mortgage. Lease both units for immediate cash flow. Convert the garage into additional income. Or take advantage of the no zoning freedom to get creative with your long-term strategy.

Getting Around

66
WalkingSomewhat Walkable
0
TransitVery Limited Transit
52
BikeBikeable

Schools

7/10
Stanwood El SchoolGrades PK-51.4 mi
6/10
7/10

Construction

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex,Multi Family,Multi Family

Interior

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2

Property

Details

  • Parcel number: 4101150138
  • Zoning: None
  • Zoning description: None

Lot

  • Lot size: 5,000 sqft
  • Lot size dimensions: 0.1148

Parking

  • Total spaces: 2
  • Parking features: Detached,Garage,Off Street,On Street
  • Has garage: Yes
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningModerate

How This Home’s Risks Compare

Lightning

FEMA Declared Disasters Across Pennsylvania Counties

Flood
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $935$11,220
Home Insurance *$79$948
Property Taxes $185$2,220
Electricity $224$2,692
Total$1,423$17,076
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$48,788/yr
40% on housing$42,690/yr
45% on housing$37,946/yr

Pennsylvania FAIR Plan Programs

Insurance Placement Facility of Pennsylvania/FAIR Plan

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 8,982Commercial: 984
Total Premiums$5.34M
Total Exposure$1.33B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 12.9%
12.9%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -1.9%
-1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 15697$127
Westmoreland County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 15697$118
Westmoreland County$147

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-06-01Listed for sale$185,000
2020-07-29Sold$80,000
2020-06-03Pending sale$89,500
2020-03-04Listed for sale$89,500
2019-06-12Listing removed$82,500
2017-09-05Price change$82,500
2017-06-06Listed for sale$88,900
2017-03-02Listing removed$85,000
2016-11-05Listed for sale$85,000

For Sale by Agent

AgentWendy Johnston
BrokerageREALTY ONE GROUP GOLD STANDARD

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