Real Estate Investing in Irvington, New York (10533)

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

Westchester County • Population: 7,337 • Data updated: September 2026

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Should you buy in 10533 (Irvington, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (41/100)

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
3 flags
  • High vacancy: 15.3% of homes vacant — above national norms.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
  • High price-to-rent: Price-to-rent ratio 29.1 — hard to cash-flow at these prices.

What’s happening in Irvington, NY (10533)?

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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 $1,321,739
Avg Monthly Rent $3,788
1% Rule ✗ Does Not Meet
Median Income $196,111
% Renters 20.5%

Market Analysis: 10533 Irvington

This part of Westchester County is not an easy win. The 10533 ZIP reports softness in key indicators, and the playbook that works in cleaner markets often stalls here.

Rent of $3,788/mo on a $1.3M basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 10533 sits below the stated 0.0% once reality is priced in.

In practical terms, 10533 offers a low basis, the region around Irvington has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

The 10533 ZIP's population of 7,337 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that registers the need for careful underwriting.

The right play in 10533 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

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 Irvington:

C Below Average
Buy Confidence Score: 59/100
Affordability
5/25
Appreciation
22/25
Stability
9/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 6.7× the median income
Value Trend
Rising (+14.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $3,788/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 10533

Which property type performs best in this market?

Best for Cash Flow
3BR
3.2% cap rate
Best for Appreciation
5BR
+7.5% 5yr CAGR
Best Overall Value
3BR
$337,551/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
3BR $1,012,654 $4,450 3.2% +6.5% $337,551
4BR $1,453,371 $4,830 2.4% +7.1% $363,343
5BR $2,169,147 +7.5% $433,829

Market Trends

Home Value History (with trend line)

$1.4M$1.2M$1.1M$964K$829K$694KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$3,850$3,670$3,490$3,310$3,130$2,950Jul 2025Jan 2026Jul 2026

📊 How Does 10533 Compare?

Metric 10533 Irvington New York
Home Value $1,321,739 $1,321,739 $505,608
5-Year CAGR 6.5% 6.5% 6.6%
Avg Rent $3,788 $3,788 -
Cap Rate 2.2% 2.2% -
💡 Why Invest in 10533? 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 10533 (Irvington, 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
2.2%
Low
5yr Growth
+6.5%
Strong

📊 Market Snapshot

Home Value $1,321,739
Monthly Rent $3,788
Price-to-Rent 29.1:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.4%
Cap Rate 2.2%
5-Year IRR 8.8%

📈 Home Appreciation

1-Year +14.2% ▲
3-Year CAGR +7.4% ▲
5-Year CAGR +6.5% ▲
10-Year CAGR +3.6% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.2%). 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
15.3%
Elevated risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+6.5%
Growing
Eviction process: Slow Rent control: Unfavorable

Demographics in 10533

Population: 7,337

💰 Median Household Income
$196,111
This area
$196,111
State
$86,376
USA
$74,580
🏠 Renter Occupied
20.5%
This area
20.5%
State
26.4%
USA
34.0%
💼 Unemployment Rate
2.3%
This area
2.3%
State
-24.2%
USA
3.7%
🎓 College Educated
79.9%
This area
79.9%
State
4.2%
USA
33.7%
👤 Median Age
41.1 years
This area
41.1 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
15.3%
This area
15.3%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 77.2%
Other/Mixed 13.1%
Asian 8.7%
Hispanic/Latino 7.6%
Black/African American 1.0%
👶 Under 18
30.3%
This area
30.3%
USA
22.0%
👴 65 and Over
13.1%
This area
13.1%
USA
17.3%
📊 Poverty Rate
0.0%
This area
0.0%
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 10533

A Avg School Grade
4 Schools
22.8:1 Avg Class Size
$38,893 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

IRVINGTON HIGH SCHOOL

📚 09 – 12 High School
👥
580 Students
👨‍🏫
10.1:1 Class Size
💰
$38,893 Per Student
A+ Excellent

IRVINGTON MIDDLE SCHOOL

📚 06 – 08 Middle
👥
408 Students
👨‍🏫
9.2:1 Class Size
💰
$38,893 Per Student
A+ Excellent

MAIN STREET SCHOOL SCHOOL (4-5)

📚 04 – 05 Elementary
👥
269 Students
👨‍🏫
14.9:1 Class Size
💰
$38,893 Per Student
C+ Average

DOWS LANE (K-3) SCHOOL

📚 K – 03 Elementary
👥
514 Students
👨‍🏫
57.1:1 Class Size
💰
$38,893 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

DOBBS FERRY HIGH SCHOOL

📚 09 – 12 High School
📍 505 BROADWAY, DOBBS FERRY
👥
438 Students
👨‍🏫
9.4:1 Class Size
💰
$39,805 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+
Westchester School for Medical & Dental Assistants
35 students · 1.2 mi
C
Mercy University
8,774 students · 1.5 mi
D
The College of Westchester
891 students · 3.7 mi
C
New York School of Esthetics & Day Spa
164 students · 3.9 mi
C
New York Medical College
1,470 students · 4.0 mi
C
SUNY Westchester Community College
9,031 students · 4.0 mi
C
St. Thomas Aquinas College
1,950 students · 4.2 mi
C
Culinary Tech Center
44 students · 4.5 mi

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

Frequently Asked Questions

Do landlords face vacancy issues in Irvington, NY?

Expect elevated vacancy in Irvington, NY. Rents at $3,788/mo are absorbed by the tenant base without meaningful lag.

What is the average home sale price in Irvington, NY?

Typical homes in Irvington, NY go for around $1.3M. The 5-year CAGR of 0.0% even-keeled price movement.

Does Irvington, NY make sense for an investment property?

With a 3.0/5 investability score, Irvington, NY ranks as a solid market for rental property investors. Median prices of $1.3M and rents of $3,788/mo drive the underlying numbers.

Is NY a landlord-friendly state?

Landlord-friendliness in Irvington, NY is tenant-protective. Eviction timelines and lease enforcement are considered reasonable by most property managers.

How strong are rents in Irvington, NY?

Investors in Irvington, NY typically see rents near $3,788/mo per month against $1.3M home values - a solid setup for rental cash flow.

You know 10533 now. You don’t know where it ranks.

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How 10533 ranks in New York-Newark-Jersey City, NY-NJ-PA

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