Most Affordable ZIP Codes in New York-Newark-Jersey City, NY-NJ-PA (2026)
The lowest entry prices that still hold a decent investability rating — cheap is only useful if the market underneath it is sound.
| # | ZIP | City | Home value | Rent | Cap rate | 5-yr growth |
|---|---|---|---|---|---|---|
| 1 | 10462 | New York, NY | $254,850 | $2,544 | 7.78% | 2.6% |
| 2 | 10468 | New York, NY | $261,109 | $2,141 | 6.40% | -3.5% |
| 3 | 18328 | Dingmans Ferry, PA | $262,697 | $1,350 | 4.01% | 6.0% |
| 4 | 18324 | Bushkill, PA | $267,619 | $2,200 | 6.41% | 8.0% |
| 5 | 08759 | Toms River, NJ | $276,757 | $2,610 | 7.36% | 4.3% |
| 6 | 18426 | Greentown, PA | $288,029 | $1,350 | 3.66% | 5.4% |
| 7 | 18445 | Newfoundland, PA | $291,421 | $1,350 | 3.61% | 5.4% |
| 8 | 10452 | New York, NY | $297,575 | $2,555 | 6.70% | -3.3% |
| 9 | 18425 | Greeley, PA | $301,018 | $1,350 | 3.50% | 4.3% |
| 10 | 07462 | Vernon, NJ | $301,279 | $2,200 | 5.70% | 7.3% |
| 11 | 18336 | Matamoras, PA | $307,553 | $1,350 | 3.42% | 6.4% |
| 12 | 18405 | Beach Lake, PA | $310,993 | $1,350 | 3.39% | 6.2% |
| 13 | 18458 | Shohola, PA | $311,210 | $1,350 | 3.38% | 4.7% |
| 14 | 18371 | Tamiment, PA | $315,290 | $1,701 | 4.21% | 6.3% |
| 15 | 07827 | Montague Township, NJ | $324,869 | $1,737 | 4.17% | 5.9% |
| 16 | 18428 | Hawley, PA | $327,562 | $1,700 | 4.05% | 5.4% |
| 17 | 10451 | New York, NY | $338,618 | $2,985 | 6.88% | — |
| 18 | 08757 | Toms River, NJ | $347,292 | $2,854 | 6.41% | 6.0% |
| 19 | 08887 | Branchburg Township, NJ | $350,495 | $2,106 | 4.69% | 10.7% |
| 20 | 18435 | Lackawaxen, PA | $354,631 | $1,350 | 2.97% | 5.5% |
| 21 | 18337 | Milford, PA | $356,960 | $2,098 | 4.59% | 5.7% |
| 22 | 18464 | Tafton, PA | $359,747 | $1,476 | 3.20% | 4.9% |
| 23 | 10463 | New York, NY | $367,932 | $2,976 | 6.31% | -3.3% |
| 24 | 08733 | Whiting, NJ | $371,578 | $1,962 | 4.12% | 7.0% |
| 25 | 07416 | Franklin, NJ | $380,608 | $2,600 | 5.33% | 6.6% |
Ranked from Repit’s own ZIP-level data — Zillow home values and rents, HUD fair-market rents where Zillow has no coverage, and U.S. Census vacancy. Cap rate is gross: annual rent over purchase price, before financing and expenses. Every ZIP above links to its full free page. How we calculate this →
Same metro, different strategy
Cash Flow in New York-Newark-Jersey City, NY-NJ-PA · Appreciation in New York-Newark-Jersey City, NY-NJ-PA
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