Real Estate Investing in Hawthorne, New York (10532)

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

Westchester County • Population: 5,253 • Data updated: September 2026

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Should you buy in 10532 (Hawthorne, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (61/100)

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.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Hawthorne, NY (10532)?

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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 $818,257
Avg Monthly Rent $3,330
1% Rule ✗ Does Not Meet
Median Income $131,531
% Renters 11.1%

Market Analysis: 10532 Hawthorne

ZIP 10532 in Hawthorne, NY carries a substantial set of headwinds. Home values near $818K and rents of $3,330/mo sit inside a market where underwriting has to be tight.

The 10532 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 10532'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.

Demographically, 10532 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

Strategically, 10532 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.

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 Hawthorne:

C Below Average
Buy Confidence Score: 55/100
Affordability
5/25
Appreciation
18/25
Stability
9/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 6.2× the median income
Value Trend
Rising (+5.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $3,330/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.

Market Trends

Home Value History (with trend line)

$860K$768K$675K$583K$491K$398KJul 2006Jul 2016Jul 2026

📊 How Does 10532 Compare?

Metric 10532 Hawthorne New York
Home Value $818,257 $862,634 $505,608
5-Year CAGR 4.8% 5.5% 6.6%
Avg Rent $3,330 $2,808 -
Cap Rate 3.2% 2.6% -
💡 Why Invest in 10532? 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 10532 (Hawthorne, 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
3.2%
Low
5yr Growth
+4.8%
Moderate

📊 Market Snapshot

Home Value $818,257
Monthly Rent $3,330
Price-to-Rent 20.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.9%
Cap Rate 3.2%
5-Year IRR 8.0%

📈 Home Appreciation

1-Year +5.0% ▲
3-Year CAGR +5.2% ▲
5-Year CAGR +4.8% ▲
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: 3.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.2%). 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
3.8%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+4.8%
Stable
Eviction process: Slow Rent control: Unfavorable

Demographics in 10532

Population: 5,253

💰 Median Household Income
$131,531
This area
$131,531
State
$86,376
USA
$74,580
🏠 Renter Occupied
11.1%
This area
11.1%
State
26.4%
USA
34.0%
💼 Unemployment Rate
4.2%
This area
4.2%
State
-24.2%
USA
3.7%
🎓 College Educated
51.1%
This area
51.1%
State
4.2%
USA
33.7%
👤 Median Age
48.1 years
This area
48.1 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
3.8%
This area
3.8%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 88.9%
Asian 5.6%
Hispanic/Latino 3.6%
Other/Mixed 3.6%
Black/African American 1.9%
👶 Under 18
19.1%
This area
19.1%
USA
22.0%
👴 65 and Over
23.2%
This area
23.2%
USA
17.3%
📊 Poverty Rate
0.8%
This area
0.8%
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 10532

A Avg School Grade
3 Schools
6.6:1 Avg Class Size
$102,415 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

HAWTHORNE ELEMENTARY SCHOOL

📚 K – 02 Elementary
👥
451 Students
👨‍🏫
10.2:1 Class Size
💰
$38,292 Per Student
A Very Good

CEDAR KNOLLS ACADEMY

📚 K – 12 K-12
👥
66 Students
👨‍🏫
5.3:1 Class Size
💰
$134,477 Per Student
B+ Above Average

LINDEN HILL HIGH SCHOOL

📚 06 – 12 High School
👥
48 Students
👨‍🏫
4.1:1 Class Size
💰
$134,477 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

COLUMBUS ELEMENTARY SCHOOL

📚 03 – 05 Elementary
📍 580 COLUMBUS AVE, THORNWOOD
👥
477 Students
👨‍🏫
10.0:1 Class Size
💰
$38,292 Per Student
A+ Excellent

KENSICO SCHOOL

📚 03 – 05 Elementary
📍 320 COLUMBUS AVE, VALHALLA
👥
334 Students
👨‍🏫
11.2:1 Class Size
💰
$37,595 Per Student
A+ Excellent

PLEASANTVILLE HIGH SCHOOL

📚 09 – 12 High School
📍 60 ROMER AVE, PLEASANTVILLE
👥
573 Students
👨‍🏫
9.4:1 Class Size
💰
$34,325 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
C
New York Medical College
1,470 students · 1.1 mi
C
SUNY Westchester Community College
9,031 students · 2.2 mi
C
New York School of Esthetics & Day Spa
164 students · 4.5 mi
D
The College of Westchester
891 students · 4.6 mi
C
Culinary Tech Center
44 students · 5.1 mi
C
Center for Ultrasound Research & Education
35 students · 5.6 mi
C+
Westchester School for Medical & Dental Assistants
35 students · 5.6 mi
B
SUNY at Purchase College
3,229 students · 6.3 mi

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

Frequently Asked Questions

What do landlords charge for rent in Hawthorne, NY?

Expect rents around $3,330/mo per month in Hawthorne, NY. With home values at $818K, the yield math works out to reasonable levels for rental investors.

Is it easy to find good tenants in Hawthorne, NY?

Tenant demand in Hawthorne, NY is solid. The local workforce $3,330/mo rents across most rental classes.

Is vacancy a concern in Hawthorne, NY?

Expect elevated vacancy in Hawthorne, NY. Rents at $3,330/mo are absorbed by the tenant base without meaningful lag.

Are homes affordable in Hawthorne, NY?

Hawthorne, NY home values average about $818K. That price point suits investors targeting rentals with $3,330/mo in monthly income.

Is Hawthorne, NY better for rentals, flips, or BRRRR?

Hawthorne, NY investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($818K prices, $3,330/mo rents) make it a reasonable choice.

You know 10532 now. You don’t know where it ranks.

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How 10532 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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