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164-168 W Main St, Kutztown, PA, 19530

15beds
7baths
13,186sqft
$890,000
$67price/sqft
$7,453/moest. monthly cost
$298,120/yrincome needed

About This Home

UPDATE: Both Commercial Leases now extended (3 years and 10 years). Take advantage of this desirable location in the thriving Kutztown historic downtown area within walking distance to Kutztown University. Approved for both apartments and student rental uses. Purchase this package of two buildings on two parcels with 6 spacious residential and 2 commercial units. Nearly fully rented with 1 unit being filled. Five of the six residential units have been renovated by current owner, one of the commercial spaces was brought up to code, the oil furnace was converted to gas, and the parking lot was paved and lined recently. Priced at a 10.27% CAP rate based on rents and expenses. Call today to inquire about showings. Proof of funding required in order to show. 48 hours mandatory tenant notice period required by tenant leases.

Getting Around

81
WalkingVery Walkable
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

7/10
Kutztown El SchoolGrades K-50.4 mi
7/10

Construction

Condition

  • Year built: 1890

Materials

  • Construction materials: Brick,Brick Veneer

Type & Style

  • Home type: MultiFamily
  • Property subType: Mixed Use,Multi Family,Apartment

Interior

Bedrooms & Bathrooms

  • Bedrooms: 15
  • Bathrooms: 7

Heating & Cooling

  • Heating features: Baseboard
  • Cooling features: None

Interior Area

  • Total interior livable area: 13,186 sqft

Property

Details

  • Parcel number: 55544308875520
  • Zoning: Commercial
  • Special condition: None

Lot

  • Lot size: 9,147 sqft

Parking

  • Total spaces: 12
  • Parking features: Parking Lot

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
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Cold Wave
Lightning
Strong Wind

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 $4,500$54,000
Home Insurance *$321$3,852
Property Taxes $1,186$14,232
Electricity $1,446$17,360
Total$7,453$89,436
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$255,531/yr
40% on housing$223,590/yr
45% on housing$198,746/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: 11.9%
11.9%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -3.0%
-3.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$67This listing

vs Other Active Listings

Avg $/sqft

ZIP 19530$202
Berks County$152

vs Homes Sold Last Month

Median $/sqft

ZIP 19530$191
Berks County$191

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)

No zestimate history available

Price History

DateEventPrice
2026-06-01Price change$890,000
2026-05-30Listed for sale$900,000
2026-04-18Pending sale$900,000
2025-08-07Price change$900,000
2025-06-16Price change$950,000
2025-05-07Listed for sale$1,025,000

For Sale by Agent

AgentCarrie C. Ward
BrokerageHoward Hanna TheFrederickGroup

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