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28 Gay St, Phoenixville, PA, 19460

1beds
2baths
1,680sqft
$420,000
$250price/sqft
$2,894/moest. monthly cost
$115,760/yrincome needed

About This Home

A recipe for success is simmering at this diverse multi-use property located just off of Bridge Street at 28 Gay St in Phoenixville Borough. Be a part of the movement, cultural energy, and successful downtown district vision that businesses, investors, and consumers are swarming too. This investor's delight offers up an expansive and modern 1 Bedroom, 1 Bathroom 2nd floor unit overlooking Downtown Gay Street, renting currently at $1480 per month. The main floor fully renovated store front opportunity featuring LVP flooring and amazing period store front window for advertising exposure is currently leased at $1125. Combined monthly income is $2605 per month. Of course there are glaring owner occupant options for that novice investor who is looking to be downtown and subsidize their monthly rent exposure while gaining equity or even the small business owner who values the vibrant local Phoenixville market exposure for their growing business all while producing monthly income from the above residential unit. Again, the menu options at 28 Gay Street in Downtown Phoenixville are diverse and premier. Bring your vision, your business, or your investor strategy into a market with unlimited potential.

Getting Around

89
WalkingVery Walkable
0
TransitVery Limited Transit
69
BikeBikeable

Schools

7/10
Barkley El SchoolGrades 2-50.4 mi
8/10

Construction

Condition

  • Property condition: Very Good
  • Year built: 1930

Materials

  • Foundation: Block
  • Roof: Flat
  • Construction materials: Brick

Type & Style

  • Home type: Townhouse
  • Architectural style: Traditional
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Washer/Dryer Stacked,Water Heater,Cooktop,Refrigerator,Gas Water Heater
  • Laundry features: Upper Level

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Eat-in Kitchen
  • Flooring: Luxury Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,680

Heating & Cooling

  • Heating features: Hot Water,Baseboard,Natural Gas
  • Cooling features: None,Electric

Interior Area

  • Total structure area: 1,680
  • Total interior livable area: 1,680 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1509 0298
  • Zoning: C30
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 611 sqft
  • Lot size dimensions: 0.00 x 0.00

Parking

  • Parking features: Public,On Street
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Cold Wave
Heat Wave
Lightning
Strong Wind
Tornado

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 $2,123$25,476
Home Insurance *$120$1,440
Property Taxes $427$5,124
Electricity $224$2,692
Total$2,894$34,728
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$99,222/yr
40% on housing$86,820/yr
45% on housing$77,173/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: 9.2%
9.2%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -1.2%
-1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$250This listing

vs Other Active Listings

Avg $/sqft

ZIP 19460$224
Chester County$254

vs Homes Sold Last Month

Median $/sqft

ZIP 19460$270
Chester County$241

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
2026-08-18Listed for sale$420,000
2026-08-07Pending sale$420,000
2026-07-01Listed for sale$420,000
2023-03-27Listing removed--
2023-03-21Price change$1,350
2023-02-28Price change$1,550
2023-02-24Listed for rent$1,600
2021-11-17Listing removed--
2021-11-09Listed for rent$1,100
2020-10-21Listing removed$950
2020-10-20Listed for rent$950
2019-03-13Sold$220,000
2006-10-31Sold$201,000
2003-03-27Sold$64,000
1996-01-10Sold$30,000

For Sale by Agent

AgentKeith Kline
BrokerageKline Real Estate Works

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