Real Estate Investing in Fort Montgomery, New York (10922)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 10922 (Fort Montgomery, NY)? Our answer, based on the numbers below.
Solid choice — values are growing steadily and the market is stable enough to buy with confidence.
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 Fort Montgomery, NY (10922)?
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Market Analysis: 10922 Fort Montgomery
Turning to rents, ZIP 10922 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $470K median. It rewards specialists, not generalists.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $470K asset, 10922 is the wrong submarket. If the plan prices in friction, the yield can still work.
The gap between 10922 and stronger Fort Montgomery ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
Who lives in 10922 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
New investors are better served looking at Fort Montgomery's stable or hybrid ZIPs before stepping into 10922. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Fort Montgomery:
Market Trends
Home Value History (with trend line)
📊 How Does 10922 Compare?
| Metric | 10922 | Fort Montgomery | Poughkeepsie-Newburgh-Middletown, NY | New York |
|---|---|---|---|---|
| Home Value | $470,138 | $470,138 | N/A | $505,608 |
| 5-Year CAGR | 6.6% | 6.6% | N/A | 6.6% |
| Avg Rent | $1,701 | $1,701 | N/A | - |
| Cap Rate | 2.8% | 2.8% | - | - |
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 10922 (Fort Montgomery, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $470,138 |
| Monthly Rent | $1,701 |
| Price-to-Rent | 23.0:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.3% |
| Cap Rate | 2.8% |
| 5-Year IRR | 9.4% |
📈 Home Appreciation
| 1-Year | +5.4% ▲ |
| 3-Year CAGR | +4.9% ▲ |
| 5-Year CAGR | +6.6% ▲ |
| 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 (2.8%). 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.
Demographics in 10922
Population: 1,072
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 10922
Schools in This ZIP Code
Nearby Schools (1 more)
Schools in adjacent ZIP codes that may serve this area
HIGHLAND FALLS INTERMEDIATE 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
What is the smart move for investors in Fort Montgomery, NY?
Investors who focus on careful cash-flow rentals with hands-on management typically do well in Fort Montgomery, NY. The numbers - $470K homes against $1,701/mo rents - support that play.
What is the typical vacancy rate in Fort Montgomery, NY?
Fort Montgomery, NY carries elevated vacancy risk. Expect measured absorption at market rents of $1,701/mo.
How strong is Fort Montgomery, NY for real estate investors?
Fort Montgomery, NY reports an investability rating of 3.0/5, with median home values near $470K and average rents around $1,701/mo. That combination puts it in the sturdy tier for investor interest.
What does house hacking look like in Fort Montgomery, NY?
Fort Montgomery, NY offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $1,701/mo rent level.
What kind of tenants rent in Fort Montgomery, NY?
The tenant pool in Fort Montgomery, NY is solid, supported by local employment and population fundamentals. Rents of $1,701/mo are well-absorbed by the market.
You know 10922 now. You don’t know where it ranks.
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How 10922 ranks in Poughkeepsie-Newburgh-Middletown, NY
Every ZIP in this metro, ranked. Free.
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