Real Estate Investing in New York, New York (10307)

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

Richmond County • Population: 14,821 • Data updated: September 2026

☆ Watch this market Free account

Should you buy in 10307 (New York, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (47/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 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
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
  • High price-to-rent: Price-to-rent ratio 36.0 — hard to cash-flow at these prices.

What’s happening in New York, NY (10307)?

Click any question — our AI will research it live from the web and show you sources.

✨ Live AI + Web Search
Want to ask your own questions? Upgrade to Pro for unlimited custom queries.
2.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $843,450
Avg Monthly Rent $1,950
1% Rule ✗ Does Not Meet
Median Income $124,738
% Renters 19.2%

Market Analysis: 10307 New York

Not every below-median market is a bargain. New York's 10307 ZIP comes in at signals that favor experienced operators who can absorb the risk $843K pricing implies.

For an experienced owner, 10307 can be a a viable market for hunting ground — but the discount at $843K reflects genuine risk that outside investors often underestimate.

The gap between 10307 and stronger New York ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

The 10307 ZIP's population of 14,821 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that clocks in at the need for careful underwriting.

The 10307 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

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: 57/100
Affordability
5/25
Appreciation
18/25
Stability
11/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 6.8× the median income
Value Trend
Rising (+4.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,950/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 10307

Which property type performs best in this market?

Best for Cash Flow
2BR
3.4% cap rate
Best for Appreciation
4BR
+5.9% 5yr CAGR
Best Overall Value
3BR
$254,743/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $534,868 $2,510 3.4% +4.8% $267,434
3BR $764,230 $3,120 2.9% +4.8% $254,743
4BR $1,186,494 $3,370 2.0% +5.9% $296,624

Market Trends

Home Value History (with trend line)

$871K$790K$709K$628K$547K$466KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$2,652$2,501$2,350$2,200$2,049$1,898Oct 2025Mar 2026Jun 2026

📊 How Does 10307 Compare?

Metric 10307 New York New York
Home Value $843,450 $572,493 $505,608
5-Year CAGR 3.6% 1.2% 6.6%
Avg Rent $1,950 $3,425 -
Cap Rate 1.8% 3.2% -
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
Open the Market Finder →
Free to search · investor plans from $19/mo

Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 10307 (New York, NY). Anonymous, moderated, never written by AI.

Do you own or manage rentals in ZIP 10307 (New York, NY)?

~25 seconds · no account needed · your report is anonymous

Investability
Fair
Cap Rate
1.8%
Low
5yr Growth
+3.6%
Moderate

📊 Market Snapshot

Home Value $843,450
Monthly Rent $1,950
Price-to-Rent 36.0:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 2.8%
Cap Rate 1.8%
5-Year IRR 5.4%

📈 Home Appreciation

1-Year +4.7% ▲
3-Year CAGR +2.9% ▲
5-Year CAGR +3.6% ▲
10-Year CAGR +4.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 1.8%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (1.8%). 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
4.6%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+3.6%
Stable
Eviction process: Slow Rent control: Unfavorable

Demographics in 10307

Population: 14,821

💰 Median Household Income
$124,738
This area
$124,738
State
$86,376
USA
$74,580
🏠 Renter Occupied
19.2%
This area
19.2%
State
26.4%
USA
34.0%
💼 Unemployment Rate
0.5%
This area
0.5%
State
-24.2%
USA
3.7%
🎓 College Educated
38.8%
This area
38.8%
State
4.2%
USA
33.7%
👤 Median Age
42.6 years
This area
42.6 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
4.6%
This area
4.6%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 90.7%
Other/Mixed 7.1%
Hispanic/Latino 5.8%
Asian 2.2%
Black/African American 0.1%
👶 Under 18
22.6%
This area
22.6%
USA
22.0%
👴 65 and Over
15.9%
This area
15.9%
USA
17.3%
📊 Poverty Rate
4.7%
This area
4.7%
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 10307

B Avg School Grade
4 Schools
10.6:1 Avg Class Size

Schools in This ZIP Code

B+ Above Average

PS 6 CORPORAL ALLAN F KIVLEHAN SCHOOL

📚 Pre-K – 05 Elementary
👥
503 Students
👨‍🏫
10.6:1 Class Size
B+ Above Average

PS 1 TOTTENVILLE

📚 Pre-K – 05 Elementary
👥
442 Students
👨‍🏫
13.0:1 Class Size
B Good

PS 373

📚 Pre-K – 08 School
👥
657 Students
👨‍🏫
5.3:1 Class Size
B Good

IS 34 TOTTENVILLE

📚 06 – 08 Middle
👥
1,108 Students
👨‍🏫
13.7:1 Class Size

Nearby Schools (5 more)

Schools in adjacent ZIP codes that may serve this area

A+ Excellent

Anthony V. Ceres Elementary School

📚 K – 05 Elementary
📍 445 STATE STREET, PERTH AMBOY
👥
553 Students
👨‍🏫
11.6:1 Class Size
💰
$42,071 Per Student
A+ Excellent

Edmund Hmieleski Early Childhood Center

📚 Grade PK Elementary
📍 925 AMBOY AVENUE, PERTH AMBOY
👥
345 Students
👨‍🏫
10.8:1 Class Size
💰
$42,071 Per Student
A+ Excellent

Edward J. Patten Elementary School

📚 K – 05 Elementary
📍 500 CHARLES STREET, PERTH AMBOY
👥
642 Students
👨‍🏫
10.5:1 Class Size
💰
$42,071 Per Student
A+ Excellent

Herbert N. Richardson 21st Century School

📚 K – 05 Elementary
📍 318 STOCKTON STREET, PERTH AMBOY
👥
684 Students
👨‍🏫
11.7:1 Class Size
💰
$42,071 Per Student
A+ Excellent

Ignacio Cruz Early Childhood Center

📚 Grade PK Elementary
📍 601 CORTLANDT ST, PERTH AMBOY
👥
647 Students
👨‍🏫
10.6:1 Class Size
💰
$42,071 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 3,269 Off-Campus Students
D
Universal Training Institute
133 students · 1.4 mi
C
Yeshiva Gedolah of Cliffwood
55 students · 4.7 mi
D
DeVry University-New Jersey
74 students · 5.0 mi
C
Lincoln Technical Institute-Iselin
586 students · 5.0 mi
C
Torah Temimah Talmudical Seminary
73 students · 5.2 mi
D
PC AGE-Metropark
56 students · 5.7 mi
C+
Middlesex College
11,471 students · 6.5 mi
C
Pro Beauty Academy
100 students · 6.7 mi

Investor Insight: With 3,269 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Are there empty rentals in New York, NY?

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

Is housing expensive in New York, NY?

In New York, NY the median home value sits at $843K. Against the broader NY market, that reads as reasonable for most investors.

Which real estate strategy fits 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.

Is NY a landlord-friendly state?

For rental operators, New York, NY rates as tenant-protective. The regulatory environment standard buy-and-hold operations.

How much rent can I charge in New York, NY?

Investors in New York, NY typically see rents near $1,950/mo per month against $843K home values - a solid setup for rental cash flow.

You know 10307 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 10307 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

Compare Plans

How 10307 ranks in New York-Newark-Jersey City, NY-NJ-PA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
🤖

AI Market Advisor

Ask questions about investing in 10307 (New York)

Loading...

Community Ratings

What people who’ve spent time here actually say. Not paid reviews.

Be the first to rate 10307 (New York, NY).

It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.