Real Estate Investing in New York, New York (10030)

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

New York County • Population: 30,781 • Data updated: September 2026

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Should you buy in 10030 (New York, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (39/100)

Multiple negative signals. Better options likely exist nearby.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
3 flags
  • Elevated vacancy: 8.7% vacancy may signal weakening demand.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
  • Elevated poverty: 24.1% poverty rate — can affect rent collection.

What’s happening in New York, NY (10030)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $726,848
Avg Monthly Rent $3,113
1% Rule ✗ Does Not Meet
Median Income $47,765
% Renters 85.6%

Market Analysis: 10030 New York

ZIP 10030 in New York, NY carries a solid set of headwinds. Home values near $727K and rents of $3,113/mo sit inside a market where underwriting has to be tight.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 10030 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

Nearby ZIPs in New York have seen price recovery that 10030 has not matched. New York County data supports the view that the spread is structural rather than temporary.

The demographic picture in 10030 includes headwinds that any investor should price in. Income distribution skews lower than New York averages, and tenant stability requires active management.

Distressed ZIPs reward experience. substantial returns are possible in 10030, but they flow to investors who already understand how to operate in soft markets.

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 15.2× the median income
Value Trend
Stable (+2.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $3,113/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 10030

Which property type performs best in this market?

Best for Cash Flow
1BR
3.1% cap rate
Best for Appreciation
1BR
+2.1% 5yr CAGR
Best Overall Value
2BR
$364,149/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $524,537 $2,260 3.1% +2.1% $524,537
2BR $728,299 $2,510 2.5% +1.5% $364,149

Market Trends

Home Value History (with trend line)

$760K$674K$588K$502K$417K$331KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$3,203$2,941$2,679$2,418$2,156$1,894Jan 2020May 2023Jul 2026

📊 How Does 10030 Compare?

Metric 10030 New York New York
Home Value $726,848 $572,493 $505,608
5-Year CAGR 2.7% 1.2% 6.6%
Avg Rent $3,113 $3,425 -
Cap Rate 3.3% 3.2% -
💡 Why Invest in 10030? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

86% 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 10030 (New York, NY). Anonymous, moderated, never written by AI.

Do you own or manage rentals in ZIP 10030 (New York, NY)?

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Investability
Good
Cap Rate
3.3%
Low
5yr Growth
+2.7%
Slow

📊 Market Snapshot

Home Value $726,848
Monthly Rent $3,113
Price-to-Rent 19.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.1%
Cap Rate 3.3%
5-Year IRR 6.1%

📈 Home Appreciation

1-Year +2.9% ▲
3-Year CAGR +3.1% ▲
5-Year CAGR +2.7% ▲
10-Year CAGR +2.6% ▲

🏠 Rent Trends

1-Year +10.7% ▲
3-Year CAGR +6.4% ▲
5-Year CAGR +7.5% ▲
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
8.7%
Moderate risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+2.7%
Stable
Eviction process: Slow Rent control: Unfavorable

Demographics in 10030

Population: 30,781

💰 Median Household Income
$47,765
This area
$47,765
State
$86,376
USA
$74,580
🏠 Renter Occupied
85.6%
This area
85.6%
State
26.4%
USA
34.0%
💼 Unemployment Rate
6.6%
This area
6.6%
State
-24.2%
USA
3.7%
🎓 College Educated
35.2%
This area
35.2%
State
4.2%
USA
33.7%
👤 Median Age
37.5 years
This area
37.5 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
8.7%
This area
8.7%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
Black/African American 58.4%
Other/Mixed 21.5%
Hispanic/Latino 17.8%
White 16.5%
Asian 3.6%
👶 Under 18
18.5%
This area
18.5%
USA
22.0%
👴 65 and Over
11.9%
This area
11.9%
USA
17.3%
📊 Poverty Rate
24.1%
This area
24.1%
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 10030

B+ Avg School Grade
11 Schools
11.2:1 Avg Class Size
$20,688 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

HARLEM VILLAGE ACADEMY WEST CHARTER SCHOOL

📚 Pre-K – 12 K-12 Charter
👥
574 Students
👨‍🏫
14.3:1 Class Size
💰
$24,331 Per Student
A Very Good

DEMOCRACY PREP HARLEM CHARTER SCHOOL

📚 K – 12 K-12 Charter
👥
1,012 Students
👨‍🏫
11.5:1 Class Size
💰
$18,066 Per Student
A Very Good

ST. HOPE LEADERSHIP ACADEMY CHARTER SCHOOL

📚 06 – 08 Middle Charter
👥
186 Students
👨‍🏫
13.9:1 Class Size
💰
$24,364 Per Student
B+ Above Average

PS 123 MAHALIA JACKSON

📚 Pre-K – 08 School
👥
391 Students
👨‍🏫
10.3:1 Class Size
B+ Above Average
👥
458 Students
👨‍🏫
9.4:1 Class Size
B+ Above Average

EAGLE ACADEMY FOR YOUNG MEN OF HARLEM

📚 06 – 12 High School
👥
216 Students
👨‍🏫
8.8:1 Class Size
B+ Above Average

MOTT HALL HIGH SCHOOL

📚 09 – 12 High School
👥
240 Students
👨‍🏫
9.0:1 Class Size
B Good

PS 194 COUNTEE CULLEN

📚 Pre-K – 05 Elementary
👥
144 Students
👨‍🏫
11.1:1 Class Size
B Good

PS 92 MARY MCLEOD BETHUNE

📚 Pre-K – 05 Elementary
👥
170 Students
👨‍🏫
11.3:1 Class Size
B Good

PS 175 HENRY H GARNET

📚 Pre-K – 05 Elementary
👥
272 Students
👨‍🏫
12.4:1 Class Size
B Good

SUCCESS ACADEMY CHARTER SCHOOL-HARLEM 5

📚 K – 08 School Charter
👥
793 Students
💰
$15,989 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 423 Off-Campus Students
B+
CUNY City College
15,012 students · 0.3 mi
C
CUNY Hostos Community College
5,526 students · 0.8 mi
C
New York College of Podiatric Medicine
349 students · 0.9 mi
C+
Mount Sinai Phillips School of Nursing
273 students · 1.0 mi
B
Jewish Theological Seminary of America
316 students · 1.0 mi
B
Manhattan School of Music
1,097 students · 1.1 mi
C+
Boricua College
479 students · 1.1 mi
C
Teachers College at Columbia University
4,392 students · 1.1 mi

Frequently Asked Questions

Is New York, NY suited for a house hack?

New York, NY is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $727K price point reasonable to enter.

What approach is best for New York, NY real estate?

In New York, NY the robust play is typically careful cash-flow rentals with hands-on management. The combination of $727K prices and $3,113/mo rents suits that approach.

Are homes affordable in New York, NY?

In New York, NY the median home value sits at $727K. Against the broader NY market, that reads as reasonable for most investors.

What is the investability score for New York, NY?

New York, NY rates 3.0/5 for investability. With median values at $727K and rents near $3,113/mo, the market offers reasonable fundamentals for rental investors.

What is it like being a landlord in New York, NY?

New York, NY operates under NY law, which is tenant-protective overall for landlords. Expect measured treatment in typical lease and eviction cases.

You know 10030 now. You don’t know where it ranks.

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How 10030 ranks in New York-Newark-Jersey City, NY-NJ-PA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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