Real Estate Investing in Croton-on-Hudson, New York (10520)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 10520 (Croton-on-Hudson, NY)? Our answer, based on the numbers below.
Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
What’s happening in Croton-on-Hudson, NY (10520)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 10520 Croton-on-Hudson
This part of Westchester County is not an easy win. The 10520 ZIP comes in at softness in key indicators, and the playbook that works in cleaner markets often stalls here.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 10520 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
In practical terms, 10520 offers a low basis, the region around Croton-on-Hudson has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
Resident income in 10520 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
The right play in 10520 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.
Here's what matters if you're considering buying a home in Croton-on-Hudson:
Property Strategy for 10520
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $616,117 | $2,840 | 3.3% | +8.0% | $308,058 |
| 3BR | $797,342 | $3,560 | 3.2% | +6.4% | $265,781 |
| 4BR | $1,011,343 | $3,860 | 2.7% | +7.2% | $252,836 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 10520 Compare?
| Metric | 10520 | Croton-on-Hudson | New York |
|---|---|---|---|
| Home Value | $883,853 | $883,853 | $505,608 |
| 5-Year CAGR | 4.8% | 4.8% | 6.6% |
| Avg Rent | $4,000 | $4,000 | - |
| Cap Rate | 3.5% | 3.5% | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 10520 (Croton-on-Hudson, NY). Anonymous, moderated, never written by AI.
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Property managers serving Westchester County
Manage rentals here? List your business →Comfort Usukumah is a REALTOR specializing in assisting buyers and sellers in New York, providing access to all listings and home value discussions. summary from their website
Real Property Management Westchester is a property management company serving Westchester, NY. summary from their website
Igor Krasnoperov helps clients sell their homes with a guaranteed price. summary from their website
Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.
📊 Market Snapshot
| Home Value | $883,853 |
| Monthly Rent | $4,000 |
| Price-to-Rent | 18.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.4% |
| Cap Rate | 3.5% |
| 5-Year IRR | 8.3% |
📈 Home Appreciation
| 1-Year | +12.8% ▲ |
| 3-Year CAGR | +6.3% ▲ |
| 5-Year CAGR | +4.8% ▲ |
| 10-Year CAGR | +4.3% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.5%). 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.
Demographics in 10520
Population: 12,208
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 10520
Schools in This ZIP Code
Nearby Schools (5 more)
Schools in adjacent ZIP codes that may serve this area
BROOKSIDE SCHOOL
ROOSEVELT SCHOOL
CLAREMONT SCHOOL
PARK SCHOOL
ANNE M DORNER MIDDLE SCHOOL
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
Investor Insight: With 2,924 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Is vacancy a concern in Croton-on-Hudson, NY?
Vacancy in Croton-on-Hudson, NY is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $4,000/mo.
Is NY a landlord-friendly state?
For rental operators, Croton-on-Hudson, NY rates as tenant-protective. The regulatory environment standard buy-and-hold operations.
What does house hacking look like in Croton-on-Hudson, NY?
Croton-on-Hudson, NY is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $884K price point reasonable to enter.
What is the average monthly rent in Croton-on-Hudson, NY?
Average rent in Croton-on-Hudson, NY is approximately $4,000/mo per month. Against $884K home values that yields a reasonable rent-to-price ratio.
Are tenants stable in Croton-on-Hudson, NY?
The renter base in Croton-on-Hudson, NY is reasonable for the $4,000/mo price point. Screening well and pricing to market typically yields even-keeled tenants.
You know 10520 now. You don’t know where it ranks.
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How 10520 ranks in New York-Newark-Jersey City, NY-NJ-PA
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