Real Estate Investing in Central Valley, New York (10917)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 10917 (Central Valley, NY)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 19.4% of homes vacant — above national norms.
- 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 Central Valley, NY (10917)?
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Market Analysis: 10917 Central Valley
Not every below-median market is a bargain. Central Valley's 10917 ZIP reports signals that favor experienced operators who can absorb the risk $591K pricing implies.
Stepping back, the numbers look inviting — $591K purchase price, 0.0% nominal cap — the work to hit that pro forma in 10917 is substantial and deserves full respect.
The gap between 10917 and stronger Central Valley ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
Resident income in 10917 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
looks to 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.
Here's what matters if you're considering buying a home in Central Valley:
Property Strategy for 10917
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 3BR | $482,439 | $3,090 | 4.6% | +8.6% | $160,813 |
| 4BR | $650,108 | $3,310 | 3.7% | +8.8% | $162,527 |
Market Trends
Home Value History (with trend line)
📊 How Does 10917 Compare?
| Metric | 10917 | Central Valley | Poughkeepsie-Newburgh-Middletown, NY | New York |
|---|---|---|---|---|
| Home Value | $591,035 | $591,035 | N/A | $505,608 |
| 5-Year CAGR | 6.8% | 6.8% | N/A | 6.6% |
| Avg Rent | $2,187 | $2,187 | N/A | - |
| Cap Rate | 2.9% | 2.9% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 10917 (Central Valley, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $591,035 |
| Monthly Rent | $2,187 |
| Price-to-Rent | 22.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.4% |
| Cap Rate | 2.9% |
| 5-Year IRR | 9.7% |
📈 Home Appreciation
| 1-Year | +6.7% ▲ |
| 3-Year CAGR | +5.9% ▲ |
| 5-Year CAGR | +6.8% ▲ |
| 10-Year CAGR | +6.6% ▲ |
🏠 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 10917
Population: 1,575
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 10917
Schools in This ZIP Code
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
Investor Insight: With 1,763 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Is vacancy a concern in Central Valley, NY?
Occupancy in Central Valley, NY runs stable with elevated vacancy. Well-priced units at $2,187/mo lease on reasonable timelines.
How much is rent in Central Valley, NY?
Rental rates in Central Valley, NY average $2,187/mo. Tenant demand and $591K home values make the yield look reasonable by investor standards.
Is Central Valley, NY better for rentals, flips, or BRRRR?
Investors who focus on careful cash-flow rentals with hands-on management typically do well in Central Valley, NY. The numbers - $591K homes against $2,187/mo rents - support that play.
How do home values compare in Central Valley, NY?
The median home value in Central Valley, NY is roughly $591K. That puts it reasonable relative to the NY statewide average.
Is Central Valley in NY worth investing in?
Central Valley, NY rates 3.0/5 for investability. With median values at $591K and rents near $2,187/mo, the market offers reasonable fundamentals for rental investors.
You know 10917 now. You don’t know where it ranks.
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How 10917 ranks in Poughkeepsie-Newburgh-Middletown, NY
Every ZIP in this metro, ranked. Free.
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