Real Estate Investing in New York, New York (10312)

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

Richmond County • Population: 63,345 • Data updated: September 2026

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Should you buy in 10312 (New York, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (52/100)

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

📈 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
2 flags
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
  • High price-to-rent: Price-to-rent ratio 28.1 — hard to cash-flow at these prices.

What’s happening in New York, NY (10312)?

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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 $769,211
Avg Monthly Rent $2,281
1% Rule ✗ Does Not Meet
Median Income $107,414
% Renters 18.1%

Market Analysis: 10312 New York

The 10312 ZIP covers a section of New York that demands careful diligence. Prices near $769K look accessible, but the work to make a deal cash flow is real.

The investment case in 10312 is healthy only for operators who understand what they are buying. A $769K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

In the broader NY picture, 10312 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

The demographic picture in 10312 includes headwinds that any investor should price in. Income distribution skews lower than New York averages, and tenant stability requires active management.

leans the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.

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+ Average
Buy Confidence Score: 60/100
Affordability
5/25
Appreciation
18/25
Stability
14/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 7.2× the median income
Value Trend
Rising (+4.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,281/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
🏠

Property Strategy for 10312

Which property type performs best in this market?

Best for Cash Flow
1BR
3.8% cap rate
Best for Appreciation
2BR
+5.5% 5yr CAGR
Best Overall Value
4BR
$227,648/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $483,060 $2,580 3.8% +4.0% $483,060
2BR $542,501 $2,830 3.8% +5.5% $271,251
3BR $746,943 $3,540 3.4% +5.0% $248,981
4BR $910,590 $3,850 3.0% +5.0% $227,648

Market Trends

Home Value History (with trend line)

$798K$715K$632K$549K$467K$384KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$2,985$2,704$2,423$2,143$1,862$1,582Oct 2021Mar 2024Jul 2026

📊 How Does 10312 Compare?

Metric 10312 New York New York
Home Value $769,211 $572,493 $505,608
5-Year CAGR 4.1% 1.2% 6.6%
Avg Rent $2,281 $3,425 -
Cap Rate 2.3% 3.2% -
💡 Why Invest in 10312? Click to expand

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

📊 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 10312 (New York, NY). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.3%
Low
5yr Growth
+4.1%
Moderate

📊 Market Snapshot

Home Value $769,211
Monthly Rent $2,281
Price-to-Rent 28.1:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.6%
Cap Rate 2.3%
5-Year IRR 6.4%

📈 Home Appreciation

1-Year +4.9% ▲
3-Year CAGR +3.3% ▲
5-Year CAGR +4.1% ▲
10-Year CAGR +4.7% ▲

🏠 Rent Trends

1-Year -12.4% ▼
3-Year CAGR +4.0% ▲
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.3%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.3%). 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
5.4%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+4.1%
Stable
Eviction process: Slow Rent control: Unfavorable

Demographics in 10312

Population: 63,345

💰 Median Household Income
$107,414
This area
$107,414
State
$86,376
USA
$74,580
🏠 Renter Occupied
18.1%
This area
18.1%
State
26.4%
USA
34.0%
💼 Unemployment Rate
2.4%
This area
2.4%
State
-24.2%
USA
3.7%
🎓 College Educated
39.2%
This area
39.2%
State
4.2%
USA
33.7%
👤 Median Age
40.9 years
This area
40.9 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
5.4%
This area
5.4%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 82.7%
Asian 8.7%
Other/Mixed 7.6%
Hispanic/Latino 6.6%
Black/African American 1.0%
👶 Under 18
22.1%
This area
22.1%
USA
22.0%
👴 65 and Over
18.0%
This area
18.0%
USA
17.3%
📊 Poverty Rate
5.2%
This area
5.2%
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 10312

B Avg School Grade
8 Schools
14.2:1 Avg Class Size

Schools in This ZIP Code

B+ Above Average

PS 4 MAURICE WOLLIN

📚 Pre-K – 05 Elementary
👥
828 Students
👨‍🏫
10.8:1 Class Size
B+ Above Average

PS 55 HENRY M BOEHM

📚 Pre-K – 05 Elementary
👥
504 Students
👨‍🏫
13.3:1 Class Size
B Good

PS 36 J C DRUMGOOLE

📚 Pre-K – 05 Elementary
👥
864 Students
👨‍🏫
14.6:1 Class Size
B Good

PS 5 HUGUENOT

📚 K – 05 Elementary
👥
309 Students
👨‍🏫
15.1:1 Class Size
C+ Average

IS 75 FRANK D PAULO

📚 06 – 08 Middle
👥
1,503 Students
👨‍🏫
12.6:1 Class Size
C+ Average

IS 7 ELIAS BERNSTEIN

📚 06 – 08 Middle
👥
1,197 Students
👨‍🏫
15.4:1 Class Size
C+ Average

PS 42 ELTINGVILLE

📚 Pre-K – 05 Elementary
👥
1,002 Students
👨‍🏫
15.9:1 Class Size
C+ Average

TOTTENVILLE HIGH SCHOOL

📚 09 – 12 High School
👥
3,797 Students
👨‍🏫
15.7:1 Class Size

Nearby Schools (5 more)

Schools in adjacent ZIP codes that may serve this area

B+ Above Average

PS 3 MARGARET GIOIOSA SCHOOL (THE)

📚 Pre-K – 05 Elementary
📍 80 S GOFF AVE, STATEN ISLAND
👥
644 Students
👨‍🏫
14.3:1 Class Size
B+ Above Average

PS 56 LOUIS DESARIO SCHOOL (THE)

📚 Pre-K – 05 Elementary
📍 250 KRAMER AVE, STATEN ISLAND
👥
634 Students
👨‍🏫
13.3:1 Class Size
B Good

DAVID MARQUIS SCHOOL OF THE ARTS (THE)

📚 Pre-K – 12 K-12
📍 15 FAIRFIELD ST, STATEN ISLAND
👥
517 Students
👨‍🏫
4.9:1 Class Size
B Good

SOUTH RICHMOND HIGH SCHOOL IS/PS 25

📚 Pre-K – 12 K-12
📍 6581 HYLAN BLVD, STATEN ISLAND
👥
570 Students
👨‍🏫
5.4:1 Class Size
B Good

KATHLEEN GRIMM SCHOOL FOR LEADERSHIP

📚 Pre-K – 05 Elementary
📍 644 BLOOMINGDALE RD, STATEN ISLAND
👥
463 Students
👨‍🏫
16.2:1 Class Size
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 279 Off-Campus Students
C
Torah Temimah Talmudical Seminary
73 students · 1.1 mi
C+
Paul Mitchell the School-NYC
75 students · 4.0 mi
D
St Paul's School of Nursing-Staten Island
661 students · 4.2 mi
B
College of Staten Island CUNY
10,736 students · 4.3 mi
D
Universal Training Institute
133 students · 5.3 mi
C
Wagner College
1,932 students · 6.7 mi
C
Lincoln Technical Institute-Iselin
586 students · 6.8 mi
D
DeVry University-New Jersey
74 students · 6.9 mi

Frequently Asked Questions

How tight is the rental market in New York, NY?

New York, NY vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.

Are renters plentiful in New York, NY?

Tenant demand in New York, NY is solid. The local workforce $2,281/mo rents across most rental classes.

Are landlord laws favorable in New York, NY?

NY ranks as a tenant-protective state for landlord-tenant law. New York generally follows the statewide framework, so landlords face reasonable operating rules.

What is the average monthly rent in New York, NY?

Average rent in New York, NY is approximately $2,281/mo per month. Against $769K home values that yields a reasonable rent-to-price ratio.

What is the average home sale price in New York, NY?

Median home price in New York, NY is near $769K, with a 5-year CAGR of 0.0%. Prices have been stable and supportive of buy-and-hold strategies.

You know 10312 now. You don’t know where it ranks.

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How 10312 ranks in New York-Newark-Jersey City, NY-NJ-PA

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Cash Flow → Appreciation → Affordable →
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