Real Estate Investing in Montrose, New York (10548)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 10548 (Montrose, 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.
- Elevated vacancy: 11.4% vacancy may signal weakening demand.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
- Higher unemployment: 11.7% unemployment — tenant risk signal.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Montrose, NY (10548)?
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Market Analysis: 10548 Montrose
The 10548 ZIP covers a section of Montrose that demands careful diligence. Prices near $658K look accessible, but the work to make a deal cash flow is real.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 10548 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
ZIP 10548'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.
From an investor standpoint, 4,302 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.
Strategically, 10548 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.
Here's what matters if you're considering buying a home in Montrose:
Market Trends
Home Value History (with trend line)
📊 How Does 10548 Compare?
| Metric | 10548 | Montrose | New York |
|---|---|---|---|
| Home Value | $657,941 | $657,941 | $505,608 |
| 5-Year CAGR | 6.2% | 6.2% | 6.6% |
| Avg Rent | $2,484 | $2,484 | - |
| Cap Rate | 2.9% | 2.9% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 10548 (Montrose, 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 | $657,941 |
| Monthly Rent | $2,484 |
| Price-to-Rent | 22.1:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.5% |
| Cap Rate | 2.9% |
| 5-Year IRR | 9.2% |
📈 Home Appreciation
| 1-Year | +11.8% ▲ |
| 3-Year CAGR | +9.4% ▲ |
| 5-Year CAGR | +6.2% ▲ |
| 10-Year CAGR | +5.8% ▲ |
🏠 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 (2.9%). 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 10548
Population: 4,302
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 10548
Schools in This ZIP Code
Nearby Schools (1 more)
Schools in adjacent ZIP codes that may serve this area
BUCHANAN-VERPLANCK ELEMENTARY 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
Frequently Asked Questions
Does Montrose, NY make sense for an investment property?
The 3.0/5 investability rating in Montrose, NY reflects its $658K prices and $2,484/mo rents. Investors generally consider it a solid option within NY.
What is the typical rental rate in Montrose, NY?
The typical rental in Montrose, NY commands about $2,484/mo monthly. That rent profile consistent cash flow against the $658K purchase basis.
Does house hacking work in Montrose, NY?
House hacking works a challenging in Montrose, NY. Rents of $2,484/mo against $658K acquisition make the strategy solid for owner-occupants.
How do experienced investors play Montrose, NY?
The best-fit strategy in Montrose, NY is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.
Are homes affordable in Montrose, NY?
Montrose, NY median home values land near $658K. That is reasonable territory for investors looking at $2,484/mo-per-month rentals.
You know 10548 now. You don’t know where it ranks.
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How 10548 ranks in New York-Newark-Jersey City, NY-NJ-PA
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