Best ZIP Codes for Cash Flow in Poughkeepsie-Newburgh-Middletown, NY (2026)
Ranked by cap rate — the annual return on the purchase price before financing. ZIPs that also clear the 1% rule are marked.
| # | ZIP | City | Home value | Rent | Cap rate | 5-yr growth |
|---|---|---|---|---|---|---|
| 1 | 10928 | Highland Falls, NY | $428,657 | $3,533 | 6.43% | 7.0% |
| 2 | 10992 | Washingtonville, NY | $537,923 | $3,850 | 5.58% | 7.5% |
| 3 | 10926 | Harriman, NY | $375,333 | $2,425 | 5.04% | 5.7% |
| 4 | 10950 | Monroe, NY | $532,482 | $3,188 | 4.67% | 6.1% |
| 5 | 10940 | Middletown, NY | $403,572 | $2,364 | 4.57% | 6.7% |
| 6 | 12553 | New Windsor, NY | $445,871 | $2,537 | 4.44% | 7.0% |
| 7 | 12524 | Fishkill, NY | $484,641 | $2,688 | 4.33% | 6.4% |
| 8 | 12543 | Maybrook, NY | $328,006 | $1,773 | 4.22% | 6.8% |
| 9 | 12729 | Cuddebackville, NY | $298,514 | $1,602 | 4.19% | 5.7% |
| 10 | 12771 | Port Jervis, NY | $322,330 | $1,708 | 4.13% | 6.7% |
| 11 | 12508 | Beacon, NY | $565,231 | $2,940 | 4.06% | 6.9% |
| 12 | 10930 | Highland Mills, NY | $551,222 | $2,850 | 4.03% | 7.1% |
| 13 | 12603 | Poughkeepsie, NY | $452,471 | $2,331 | 4.02% | 6.3% |
| 14 | 12538 | Hyde Park, NY | $423,962 | $2,167 | 3.99% | 6.8% |
| 15 | 12586 | Walden, NY | $426,534 | $2,150 | 3.93% | 6.5% |
| 16 | 12550 | Newburgh, NY | $406,543 | $2,017 | 3.87% | 6.8% |
| 17 | 10918 | Chester, NY | $539,032 | $2,625 | 3.80% | 6.8% |
| 18 | 10924 | Goshen, NY | $579,820 | $2,814 | 3.79% | 6.8% |
| 19 | 12590 | Wappingers Falls, NY | $508,346 | $2,460 | 3.78% | 6.1% |
| 20 | 10941 | Middletown, NY | $461,757 | $2,225 | 3.76% | 7.3% |
| 21 | 10958 | New Hampton, NY | $492,984 | $2,376 | 3.76% | 6.8% |
| 22 | 10988 | Unionville, NY | $351,771 | $1,674 | 3.71% | 7.3% |
| 23 | 10990 | Warwick, NY | $586,359 | $2,706 | 3.60% | 6.4% |
| 24 | 12746 | Huguenot, NY | $335,661 | $1,548 | 3.60% | 5.5% |
| 25 | 12601 | Poughkeepsie, NY | $401,269 | $1,834 | 3.56% | 6.9% |
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
Appreciation in Poughkeepsie-Newburgh-Middletown, NY · Affordable in Poughkeepsie-Newburgh-Middletown, NY
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