Real Estate Investing in Mamaroneck, New York (10543)

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

Westchester County • Population: 21,022 • Data updated: September 2026

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Should you buy in 10543 (Mamaroneck, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (56/100)

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 Mamaroneck, NY (10543)?

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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 $1,100,042
Avg Monthly Rent $3,906
1% Rule ✗ Does Not Meet
Median Income $128,047
% Renters 37.7%

Market Analysis: 10543 Mamaroneck

The 10543 ZIP in Mamaroneck, NY is a local-operator market. Outside capital chasing a $1.1M entry has to pair deep knowledge with the discount.

Stepping back, the numbers look inviting — $1.1M purchase price, 0.0% nominal cap — the work to hit that pro forma in 10543 is substantial and deserves full respect.

ZIP 10543'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.

Who lives in 10543 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

The right play in 10543 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 Mamaroneck:

C Below Average
Buy Confidence Score: 58/100
Affordability
0/25
Appreciation
22/25
Stability
13/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 8.6× the median income
Value Trend
Rising (+12.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $3,906/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 10543

Which property type performs best in this market?

Best for Cash Flow
1BR
7.3% cap rate
Best for Appreciation
5BR
+9.5% 5yr CAGR
Best Overall Value
1BR
$288,920/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $288,920 $2,930 7.3% +0.6% $288,920
2BR $602,003 $3,210 3.8% +5.2% $301,001
3BR $919,650 $4,020 3.1% +6.8% $306,550
4BR $1,379,321 $4,370 2.3% +8.6% $344,830
5BR $2,324,715 +9.5% $464,943

Market Trends

Home Value History (with trend line)

$1.1M$1.0M$904K$786K$667K$549KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$4,062$3,858$3,653$3,449$3,244$3,039Mar 2023Nov 2024Jul 2026

📊 How Does 10543 Compare?

Metric 10543 Mamaroneck New York
Home Value $1,100,042 $1,100,042 $505,608
5-Year CAGR 6.7% 6.7% 6.6%
Avg Rent $3,906 $3,906 -
Cap Rate 2.8% 2.8% -
💡 Why Invest in 10543? Click to expand

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

A healthy rental market with 38% renter-occupied households ensures tenant availability.

📊 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 10543 (Mamaroneck, 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
2.8%
Low
5yr Growth
+6.7%
Strong

📊 Market Snapshot

Home Value $1,100,042
Monthly Rent $3,906
Price-to-Rent 23.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.3%
Cap Rate 2.8%
5-Year IRR 9.4%

📈 Home Appreciation

1-Year +12.0% ▲
3-Year CAGR +8.0% ▲
5-Year CAGR +6.7% ▲
10-Year CAGR +5.0% ▲

🏠 Rent Trends

1-Year +14.7% ▲
3-Year CAGR +6.7% ▲
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.8%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.8%). 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
5.8%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+6.7%
Growing
Eviction process: Slow Rent control: Unfavorable

Demographics in 10543

Population: 21,022

💰 Median Household Income
$128,047
This area
$128,047
State
$86,376
USA
$74,580
🏠 Renter Occupied
37.7%
This area
37.7%
State
26.4%
USA
34.0%
💼 Unemployment Rate
2.8%
This area
2.8%
State
-24.2%
USA
3.7%
🎓 College Educated
54.7%
This area
54.7%
State
4.2%
USA
33.7%
👤 Median Age
40.5 years
This area
40.5 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
5.8%
This area
5.8%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 70.6%
Other/Mixed 20.7%
Hispanic/Latino 18.3%
Asian 4.5%
Black/African American 4.3%
👶 Under 18
22.7%
This area
22.7%
USA
22.0%
👴 65 and Over
16.7%
This area
16.7%
USA
17.3%
📊 Poverty Rate
1.9%
This area
1.9%
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 10543

A+ Avg School Grade
6 Schools
11.2:1 Avg Class Size
$33,961 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

F E BELLOWS ELEMENTARY SCHOOL

📚 03 – 05 Elementary
👥
340 Students
👨‍🏫
11.5:1 Class Size
💰
$35,618 Per Student
A+ Excellent

MAMARONECK AVENUE SCHOOL

📚 K – 05 Elementary
👥
651 Students
👨‍🏫
10.0:1 Class Size
💰
$30,648 Per Student
A+ Excellent

RYE NECK MIDDLE SCHOOL

📚 06 – 08 Middle
👥
354 Students
👨‍🏫
9.3:1 Class Size
💰
$35,618 Per Student
A+ Excellent

RYE NECK SENIOR HIGH SCHOOL

📚 09 – 12 High School
👥
474 Students
👨‍🏫
10.6:1 Class Size
💰
$35,618 Per Student
A+ Excellent

DANIEL WARREN ELEMENTARY SCHOOL

📚 K – 02 Elementary
👥
314 Students
👨‍🏫
12.3:1 Class Size
💰
$35,618 Per Student
A Very Good

MAMARONECK HIGH SCHOOL

📚 09 – 12 High School
👥
1,696 Students
👨‍🏫
13.5:1 Class Size
💰
$30,648 Per Student

Nearby Schools (5 more)

Schools in adjacent ZIP codes that may serve this area

A+ Excellent

GEORGE M DAVIS ELEMENTARY SCHOOL

📚 K – 05 Elementary
📍 80 ISELIN DR, NEW ROCHELLE
👥
647 Students
👨‍🏫
12.0:1 Class Size
💰
$32,177 Per Student
A+ Excellent

MIDLAND SCHOOL

📚 K – 05 Elementary
📍 MIDLAND AVE, RYE
👥
452 Students
👨‍🏫
10.3:1 Class Size
💰
$42,564 Per Student
A+ Excellent

MILTON SCHOOL

📚 K – 05 Elementary
📍 12 HEWLETT ST, RYE
👥
334 Students
👨‍🏫
10.0:1 Class Size
💰
$42,564 Per Student
A+ Excellent

OSBORN SCHOOL

📚 K – 05 Elementary
📍 10 OSBORN RD, RYE
👥
461 Students
👨‍🏫
9.2:1 Class Size
💰
$42,564 Per Student
A+ Excellent

PARSONS MEMORIAL SCHOOL

📚 K – 09 High School
📍 200 HALSTEAD AVE, HARRISON
👥
492 Students
👨‍🏫
11.1:1 Class Size
💰
$35,712 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
C
Iona University
3,720 students · 3.3 mi
C
Saint Vladimirs Orthodox Theological Seminary
90 students · 4.7 mi
C
Center for Ultrasound Research & Education
35 students · 5.3 mi
C
Culinary Tech Center
44 students · 5.5 mi
C
Manhattanville College
2,379 students · 5.6 mi
C+
Sarah Lawrence College
1,743 students · 5.7 mi
C
Westchester School of Beauty Culture
55 students · 6.0 mi
C
Montefiore School of Nursing
115 students · 6.1 mi

Frequently Asked Questions

What kind of market is Mamaroneck, NY for investors?

Our data puts Mamaroneck, NY at 3.0/5 for investability. Home prices of $1.1M and rents around $3,906/mo create a solid backdrop for investor activity.

What is the average monthly rent in Mamaroneck, NY?

Rent in Mamaroneck, NY is around $3,906/mo. The resulting rent-to-value relationship with $1.1M pricing is reasonable for most investor models.

Is Mamaroneck, NY a good market for FHA house hackers?

Mamaroneck, NY offers a tougher house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $3,906/mo rent level.

How quickly do rentals get leased in Mamaroneck, NY?

Mamaroneck, NY carries elevated vacancy risk. Expect reliable absorption at market rents of $3,906/mo.

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

Typical homes in Mamaroneck, NY go for around $1.1M. The 5-year CAGR of 0.0% consistent price movement.

You know 10543 now. You don’t know where it ranks.

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How 10543 ranks in New York-Newark-Jersey City, NY-NJ-PA

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Cash Flow → Appreciation → Affordable →
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