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© 2026 OnePercent · Estimates carry bands, never promises.the line

1135 Cotton St, Reading, PA 19602 — $165,000 · 5bd · ~1.2% rule | OnePercent

1135 Cotton St, Reading, PA 19602

$165,000

Overview Financials Comps Location Analysis Calculator Nearby Risk Neighborhood Market

Home·Reading 19602·1135 Cotton St, Reading, PA 19602

Confirmed 1 day ago

1135 Cotton St, Reading, PA 19602

5 bd · 1.5 ba · 1,602 sqft · built 1920 · Reading · TOWNHOMES·source listing ↗

$165,000

rent, three ways

OnePercent model (vv1)$1,902/mo

p10–p90 confidence band

HUD Fair Market Rent · 19602 · 5BR—

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

the locale

County

Berks

Flood risk indexRelatively Moderate FEMA NRI

Median household income$34,582

Median area rent$1,041/mo

Median home value$96,000

the verdict

1.15%vs 0.9% target

Modeled rent: $1,902/morent estimate
Property tax: —listing
Insurance: $1,559/yrstate avg
HOA: Nonelisting

Cap rate: 8.7%
Cash flow: +$365/mo
Cash-on-cash: 11.5%

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

$165,000

1.15% · rent $1,902

Intrinsic value · income approach

$193,185

15% 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.

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