Real Estate Investing in Hartsdale, New York (10530)

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

Westchester County • Population: 13,955 • Data updated: September 2026

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Should you buy in 10530 (Hartsdale, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (66/100)

Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.

📈 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
1 flag
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.

What’s happening in Hartsdale, NY (10530)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $752,522
Avg Monthly Rent $3,573
1% Rule ✗ Does Not Meet
Median Income $112,727
% Renters 15.6%

Market Analysis: 10530 Hartsdale

On balance, ZIP 10530 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $753K median. It rewards specialists, not generalists.

The 10530 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

ZIP 10530's metrics run below Westchester County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

Resident income in 10530 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

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 Hartsdale:

C+ Average
Buy Confidence Score: 64/100
Affordability
5/25
Appreciation
25/25
Stability
11/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 6.7× the median income
Value Trend
Rising (+9.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $3,573/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 10530

Which property type performs best in this market?

Best for Cash Flow
1BR
9.5% cap rate
Best for Appreciation
4BR
+7.0% 5yr CAGR
Best Overall Value
2BR
$222,914/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $233,376 $3,090 9.5% +7.0% $233,376
2BR $445,829 $3,390 5.5% +5.9% $222,914
3BR $838,607 $4,250 3.6% +6.9% $279,536
4BR $968,745 $4,610 3.4% +7.0% $242,186

Market Trends

Home Value History (with trend line)

$785K$691K$597K$503K$409K$314KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

No data available

📊 How Does 10530 Compare?

Metric 10530 Hartsdale New York
Home Value $752,522 $752,522 $505,608
5-Year CAGR 7.5% 7.5% 6.6%
Avg Rent $3,573 $3,573 -
Cap Rate 3.7% 3.7% -
💡 Why Invest in 10530? 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 →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 10530 (Hartsdale, 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

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Real Property Management Westchester is a property management company serving Westchester, NY. summary from their website

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Igor Krasnoperov helps clients sell their homes with a guaranteed price. summary from their website

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Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
3.7%
Low
5yr Growth
+7.5%
Strong

📊 Market Snapshot

Home Value $752,522
Monthly Rent $3,573
Price-to-Rent 17.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.7%
Cap Rate 3.7%
5-Year IRR 11.2%

📈 Home Appreciation

1-Year +9.6% ▲
3-Year CAGR +7.7% ▲
5-Year CAGR +7.5% ▲
10-Year CAGR +6.0% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.7%). 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
4.1%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+7.5%
Growing
Eviction process: Slow Rent control: Unfavorable

Demographics in 10530

Population: 13,955

💰 Median Household Income
$112,727
This area
$112,727
State
$86,376
USA
$74,580
🏠 Renter Occupied
15.6%
This area
15.6%
State
26.4%
USA
34.0%
💼 Unemployment Rate
2.9%
This area
2.9%
State
-24.2%
USA
3.7%
🎓 College Educated
65.8%
This area
65.8%
State
4.2%
USA
33.7%
👤 Median Age
50.2 years
This area
50.2 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
4.1%
This area
4.1%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 68.5%
Other/Mixed 11.9%
Asian 11.0%
Hispanic/Latino 9.5%
Black/African American 8.6%
👶 Under 18
15.7%
This area
15.7%
USA
22.0%
👴 65 and Over
27.5%
This area
27.5%
USA
17.3%
📊 Poverty Rate
4.0%
This area
4.0%
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 10530

A Avg School Grade
3 Schools
9.3:1 Avg Class Size
$44,181 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

WOODLANDS MIDDLE/HIGH SCHOOL

📚 07 – 12 High School
👥
688 Students
👨‍🏫
8.7:1 Class Size
💰
$44,181 Per Student
A+ Excellent

HIGHVIEW SCHOOL

📚 02 – 03 Elementary
👥
283 Students
👨‍🏫
9.8:1 Class Size
💰
$44,181 Per Student
B Good

EARLY CHILDHOOD PROGRAM

📚 Grade PK Elementary
👥
62 Students
💰
$44,181 Per Student

Nearby Schools (5 more)

Schools in adjacent ZIP codes that may serve this area

A+ Excellent

ALEXANDER HAMILTON HIGH SCHOOL

📚 07 – 12 High School
📍 98 S GOODWIN AVE, ELMSFORD
👥
477 Students
👨‍🏫
10.3:1 Class Size
💰
$39,344 Per Student
A+ Excellent

ALICE E GRADY ELEMENTARY SCHOOL

📚 02 – 06 School
📍 45 COBB LN, ELMSFORD
👥
404 Students
👨‍🏫
11.1:1 Class Size
💰
$39,344 Per Student
A+ Excellent

ARDSLEY HIGH SCHOOL

📚 09 – 12 High School
📍 300 FARM RD, ARDSLEY
👥
748 Students
👨‍🏫
9.5:1 Class Size
💰
$32,892 Per Student
A+ Excellent

ARDSLEY MIDDLE SCHOOL

📚 05 – 08 School
📍 700 ASHFORD AVE, ARDSLEY
👥
766 Students
👨‍🏫
10.9:1 Class Size
💰
$32,892 Per Student
A+ Excellent

CHURCH STREET SCHOOL

📚 K – 05 Elementary
📍 295 CHURCH ST, WHITE PLAINS
👥
595 Students
👨‍🏫
11.2:1 Class Size
💰
$39,590 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 2,907 Off-Campus Students
D
The College of Westchester
891 students · 1.4 mi
C
New York School of Esthetics & Day Spa
164 students · 1.6 mi
C+
Westchester School for Medical & Dental Assistants
35 students · 1.8 mi
C
Culinary Tech Center
44 students · 1.9 mi
C
Center for Ultrasound Research & Education
35 students · 3.2 mi
C
SUNY Westchester Community College
9,031 students · 3.3 mi
C
Mercy University
8,774 students · 3.5 mi
C
Saint Vladimirs Orthodox Theological Seminary
90 students · 3.8 mi

Investor Insight: With 2,907 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Is the tenant base reliable in Hartsdale, NY?

Tenant demand in Hartsdale, NY is solid. The local workforce $3,573/mo rents across most rental classes.

What approach is best for Hartsdale, NY real estate?

The best-fit strategy in Hartsdale, NY is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.

How much should I expect to pay for a home in Hartsdale, NY?

Expect median prices around $753K in Hartsdale, NY. The market has run at a 0.0% 5-year CAGR, so entry costs have been even-keeled.

Can owner-occupants cash flow in Hartsdale, NY?

Hartsdale, NY is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $753K price point reasonable to enter.

Is NY a landlord-friendly state?

The landlord environment in Hartsdale, NY is tenant-protective. Statewide rules shape most day-to-day operations for rental owners.

You know 10530 now. You don’t know where it ranks.

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How 10530 ranks in New York-Newark-Jersey City, NY-NJ-PA

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Cash Flow → Appreciation → Affordable →
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