Real Estate Investing in New York, New York (10026)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

New York County • Population: 37,113 • Data updated: September 2026

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Should you buy in 10026 (New York, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (36/100)

Multiple negative signals. Better options likely exist nearby.

📈 For Investors
WEAK
2.0 / 5 (33/100)

Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.

⚠️ Risks to Know
2 flags
  • High vacancy: 12.0% of homes vacant — above national norms.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.

What’s happening in New York, NY (10026)?

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2.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $902,612
Avg Monthly Rent $3,774
1% Rule ✗ Does Not Meet
Median Income $68,831
% Renters 80.2%

Market Analysis: 10026 New York

This part of New York County is not an easy win. The 10026 ZIP shows softness in key indicators, and the playbook that works in cleaner markets often stalls here.

On balance, the numbers look inviting — $903K purchase price, 0.0% nominal cap — the work to hit that pro forma in 10026 is substantial and deserves full respect.

Regionally, 10026 sits on the difficult end of the NY spectrum. The worth a close look for read — for disciplined operators — is that pricing reflects the difficulty.

From a cash-flow lens, 37,113 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.

The right play in 10026 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in New York:

C Below Average
Buy Confidence Score: 50/100
Affordability
0/25
Appreciation
14/25
Stability
13/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 13.1× the median income
Value Trend
Rising (+6.8%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $3,774/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
🏠

Property Strategy for 10026

Which property type performs best in this market?

Best for Cash Flow
1BR
3.3% cap rate
Best for Appreciation
3BR
+4.4% 5yr CAGR
Best Overall Value
3BR
$405,863/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $617,761 $2,800 3.3% +0.2% $617,761
2BR $899,447 $3,070 2.5% +1.4% $449,724
3BR $1,217,588 $3,840 2.3% +4.4% $405,863

Market Trends

Home Value History (with trend line)

$1.0M$929K$821K$714K$607K$500KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$3,896$3,566$3,235$2,904$2,574$2,243Jul 2016Jul 2021Jul 2026

📊 How Does 10026 Compare?

Metric 10026 New York New York
Home Value $902,612 $572,493 $505,608
5-Year CAGR 1.7% 1.2% 6.6%
Avg Rent $3,774 $3,425 -
Cap Rate 3.3% 3.2% -
💡 Why Invest in 10026? Click to expand

80% of households rent in this area, creating consistent tenant demand for landlords.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 10026 (New York, NY). Anonymous, moderated, never written by AI.

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Investability
Fair
Cap Rate
3.3%
Low
5yr Growth
+1.7%
Slow

📊 Market Snapshot

Home Value $902,612
Monthly Rent $3,774
Price-to-Rent 19.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.0%
Cap Rate 3.3%
5-Year IRR 5.0%

📈 Home Appreciation

1-Year +6.8% ▲
3-Year CAGR +2.8% ▲
5-Year CAGR +1.7% ▲
10-Year CAGR -0.3% ▼

🏠 Rent Trends

1-Year +3.6% ▲
3-Year CAGR +4.7% ▲
5-Year CAGR +6.7% ▲
Negative Leverage — IRR / Tax Play Cap Rate: 3.3%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.3%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
12.0%
Moderate risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+1.7%
Flat
Eviction process: Slow Rent control: Unfavorable

Demographics in 10026

Population: 37,113

💰 Median Household Income
$68,831
This area
$68,831
State
$86,376
USA
$74,580
🏠 Renter Occupied
80.2%
This area
80.2%
State
26.4%
USA
34.0%
💼 Unemployment Rate
4.6%
This area
4.6%
State
-24.2%
USA
3.7%
🎓 College Educated
49.8%
This area
49.8%
State
4.2%
USA
33.7%
👤 Median Age
36.1 years
This area
36.1 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
12.0%
This area
12.0%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
Black/African American 50.3%
White 23.7%
Other/Mixed 19.7%
Hispanic/Latino 14.6%
Asian 6.3%
👶 Under 18
19.5%
This area
19.5%
USA
22.0%
👴 65 and Over
10.7%
This area
10.7%
USA
17.3%
📊 Poverty Rate
13.3%
This area
13.3%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 10026

B+ Avg School Grade
10 Schools
11.6:1 Avg Class Size
$23,999 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

OPPORTUNITY CHARTER SCHOOL

📚 06 – 12 High School Charter
👥
379 Students
👨‍🏫
9.3:1 Class Size
💰
$28,775 Per Student
A Very Good

EAST HARLEM SCHOLARS ACADEMY CHARTER SCHOOL

📚 Pre-K – 12 K-12 Charter
👥
897 Students
👨‍🏫
14.7:1 Class Size
💰
$26,090 Per Student
B+ Above Average
👥
318 Students
👨‍🏫
9.0:1 Class Size
B+ Above Average

HARLEM LINK CHARTER SCHOOL

📚 Pre-K – 07 School Charter
👥
339 Students
👨‍🏫
21.2:1 Class Size
💰
$25,232 Per Student
B+ Above Average

WADLEIGH PERF AND VISUAL ARTS

📚 06 – 12 High School
👥
349 Students
👨‍🏫
8.9:1 Class Size
B+ Above Average

PS 149 SOJOURNER TRUTH

📚 Pre-K – 08 School
👥
260 Students
👨‍🏫
7.3:1 Class Size
B Good

STEM INSTITUTE OF MANHATTAN

📚 Pre-K – 05 Elementary
👥
133 Students
👨‍🏫
9.5:1 Class Size
B Good

LOCKE SCHOOL OF ARTS AND ENGINEERING (THE)

📚 Pre-K – 05 Elementary
👥
290 Students
👨‍🏫
13.2:1 Class Size
B Good

SUCCESS ACADEMY CHARTER SCHOOL-HARLEM 4

📚 K – 04 Elementary Charter
👥
217 Students
💰
$18,319 Per Student
B Good

SUCCESS ACADEMY CHARTER SCHOOL-HARLEM 1

📚 K – 12 K-12 Charter
👥
1,553 Students
💰
$21,578 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

8 Nearby
C
Helene Fuld College of Nursing
722 students · 0.5 mi
A
Columbia University in the City of New York
35,279 students · 0.6 mi
C
Teachers College at Columbia University
4,392 students · 0.6 mi
C
New York College of Podiatric Medicine
349 students · 0.7 mi
B+
Barnard College
3,353 students · 0.7 mi
D
Bank Street College of Education
597 students · 0.7 mi
B
Jewish Theological Seminary of America
316 students · 0.7 mi
C
Union Theological Seminary in the City of New York
220 students · 0.7 mi

Frequently Asked Questions

Do landlords face vacancy issues in New York, NY?

Rental vacancy in New York, NY is elevated. Investors should budget normal turnover but not chronic empty units.

How strong are rents in New York, NY?

Investors in New York, NY typically see rents near $3,774/mo per month against $903K home values - a solid setup for rental cash flow.

What is the smart move for investors in New York, NY?

Most investors in New York, NY run a careful cash-flow rentals with hands-on management strategy. It aligns with the 2.0/5 investability profile and the market fundamentals.

How much does a house cost in New York, NY?

In New York, NY the median home value sits at $903K. Against the broader NY market, that reads as reasonable for most investors.

Is New York, NY a smart market for rental property?

The 2.0/5 investability rating in New York, NY reflects its $903K prices and $3,774/mo rents. Investors generally consider it a solid option within NY.

You know 10026 now. You don’t know where it ranks.

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How 10026 ranks in New York-Newark-Jersey City, NY-NJ-PA

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Cash Flow → Appreciation → Affordable →
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