135 N Harding St, Kirkwood, IL 61447

3 bd · 1.5 ba · 2,040 sqft · built 1900 · Kirkwood · SINGLE_FAMILY·source listing ↗

$94,900

rent, three ways

OnePercent model (vv1)$1,688/mo

p10–p90 confidence band

HUD Fair Market Rent · 61447 · 3BR$1,210/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

Warren

Flood risk indexRelatively Low FEMA NRI

Median household income$82,583

Median area rent$938/mo

Median home value$95,900

the verdict

1.78%vs 1.0% target

wide confidence band

financing: 20% down · — (FRED, live) · 30yr

$94,900

1.78% · rent $1,688

Intrinsic value · income approach

$97,444

3% below intrinsic value

Value = net operating income ÷ market cap rate. Not investment advice.

Ten-year owner return

Equity multiple, per-year cash flow, and appreciation modeling are a Pro feature.