Real Estate Investing in Congers, New York (10920)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 10920 (Congers, NY)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- 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 Congers, NY (10920)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 10920 Congers
Investors eyeing 10920 need to respect the fundamentals at play. Home values of $679K come alongside slower price movement and elevated management overhead.
Distressed markets are won on execution, not on spreadsheets. ZIP 10920 shows the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
Turning to rents, 10920 offers a low basis, the region around Congers has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
Who lives in 10920 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 10920 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.
Here's what matters if you're considering buying a home in Congers:
Property Strategy for 10920
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $496,824 | $3,180 | 4.6% | +6.4% | $248,412 |
| 3BR | $594,937 | $3,980 | 4.8% | +6.4% | $198,312 |
| 4BR | $749,633 | $4,330 | 4.2% | +7.1% | $187,408 |
Market Trends
Home Value History (with trend line)
📊 How Does 10920 Compare?
| Metric | 10920 | Congers | New York |
|---|---|---|---|
| Home Value | $679,298 | $679,298 | $505,608 |
| 5-Year CAGR | 4.8% | 4.8% | 6.6% |
| Avg Rent | $2,862 | $2,862 | - |
| Cap Rate | 3.3% | 3.3% | - |
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 10920 (Congers, NY). Anonymous, moderated, never written by AI.
Do you own or manage rentals in ZIP 10920 (Congers, NY)?
~25 seconds · no account needed · your report is anonymous
📊 Market Snapshot
| Home Value | $679,298 |
| Monthly Rent | $2,862 |
| Price-to-Rent | 19.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.1% |
| Cap Rate | 3.3% |
| 5-Year IRR | 8.1% |
📈 Home Appreciation
| 1-Year | +3.5% ▲ |
| 3-Year CAGR | +3.7% ▲ |
| 5-Year CAGR | +4.8% ▲ |
| 10-Year CAGR | +5.4% ▲ |
🏠 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 (3.3%). 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 10920
Population: 8,493
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 10920
Schools in This ZIP Code
Nearby Schools (5 more)
Schools in adjacent ZIP codes that may serve this area
LAUREL PLAINS ELEMENTARY SCHOOL
LIBERTY ELEMENTARY SCHOOL
LINK ELEMENTARY SCHOOL
NEW CITY ELEMENTARY SCHOOL
VALLEY COTTAGE 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
Which real estate strategy fits Congers, NY?
Investors who focus on careful cash-flow rentals with hands-on management typically do well in Congers, NY. The numbers - $679K homes against $2,862/mo rents - support that play.
What is the renter demographic in Congers, NY?
Tenant quality in Congers, NY ranks as solid. Landlords generally report even-keeled occupancy at market rents of $2,862/mo.
Is Congers, NY a good market for buy-and-hold investors?
Our data puts Congers, NY at 3.0/5 for investability. Home prices of $679K and rents around $2,862/mo create a solid backdrop for investor activity.
Can I house hack in Congers, NY?
Congers, NY is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $679K price point reasonable to enter.
How much does a house cost in Congers, NY?
In Congers, NY the median home value sits at $679K. Against the broader NY market, that reads as reasonable for most investors.
You know 10920 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 10920 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.
How 10920 ranks in New York-Newark-Jersey City, NY-NJ-PA
Every ZIP in this metro, ranked. Free.
AI Market Advisor
Ask questions about investing in 10920 (Congers)
Community Ratings
What people who’ve spent time here actually say. Not paid reviews.
Be the first to rate 10920 (Congers, NY).
It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.