Real Estate Investing in Montauk, New York (11954)

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

Suffolk County • Population: 4,073 • Data updated: September 2026

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Should you buy in 11954 (Montauk, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (36/100)

Multiple negative signals. Better options likely exist nearby.

📈 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
3 flags
  • High vacancy: 64.7% of homes vacant — above national norms.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
  • High price-to-rent: Price-to-rent ratio 52.8 — hard to cash-flow at these prices.

What’s happening in Montauk, NY (11954)?

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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 $1,944,962
Avg Monthly Rent $3,072
1% Rule ✗ Does Not Meet
Median Income $138,900
% Renters 15.9%

Market Analysis: 11954 Montauk

This part of Suffolk County is not an easy win. The 11954 ZIP sits at softness in key indicators, and the playbook that works in cleaner markets often stalls here.

Distressed markets are won on execution, not on spreadsheets. ZIP 11954 shows the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Statewide comparisons place 11954 among NY's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

The demographic picture in 11954 includes headwinds that any investor should price in. Income distribution skews lower than Montauk averages, and tenant stability requires active management.

The right play in 11954 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 Montauk:

C Below Average
Buy Confidence Score: 52/100
Affordability
0/25
Appreciation
22/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 14× the median income
Value Trend
Stable (+0.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $3,072/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.

Market Trends

Home Value History (with trend line)

$2.1M$1.8M$1.5M$1.2M$945K$648KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$3,144$2,934$2,724$2,514$2,304$2,094Oct 2025Feb 2026May 2026

📊 How Does 11954 Compare?

Metric 11954 Montauk New York
Home Value $1,944,962 $1,944,962 $505,608
5-Year CAGR 5.5% 5.5% 6.6%
Avg Rent $3,072 $3,072 -
Cap Rate 1.2% 1.2% -
💡 Why Invest in 11954? Click to expand

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

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 11954 (Montauk, NY). Anonymous, moderated, never written by AI.

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Property managers serving Suffolk County

Manage rentals here? List your business →

CXA Management provides property management services. summary from their website

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Eminent Properties Ltd is a property management company. 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
1.2%
Low
5yr Growth
+5.5%
Moderate

📊 Market Snapshot

Home Value $1,944,962
Monthly Rent $3,072
Price-to-Rent 52.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 1.9%
Cap Rate 1.2%
5-Year IRR 6.7%

📈 Home Appreciation

1-Year +0.1% ▲
3-Year CAGR +2.4% ▲
5-Year CAGR +5.5% ▲
10-Year CAGR +6.1% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 1.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (1.2%). 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
64.7%
Elevated risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+5.5%
Stable
Eviction process: Slow Rent control: Unfavorable

Demographics in 11954

Population: 4,073

💰 Median Household Income
$138,900
This area
$138,900
State
$86,376
USA
$74,580
🏠 Renter Occupied
15.9%
This area
15.9%
State
26.4%
USA
34.0%
💼 Unemployment Rate
3.4%
This area
3.4%
State
-24.2%
USA
3.7%
🎓 College Educated
49.4%
This area
49.4%
State
4.2%
USA
33.7%
👤 Median Age
49.4 years
This area
49.4 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
64.7%
This area
64.7%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 92.2%
Other/Mixed 7.1%
Hispanic/Latino 5.9%
Black/African American 0.7%
👶 Under 18
17.1%
This area
17.1%
USA
22.0%
👴 65 and Over
21.5%
This area
21.5%
USA
17.3%
📊 Poverty Rate
0.0%
This area
0.0%
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 11954

A+ Avg School Grade
1 Schools
7.4:1 Avg Class Size
$71,979 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

MONTAUK SCHOOL

📚 Pre-K – 08 School
👥
297 Students
👨‍🏫
7.4:1 Class Size
💰
$71,979 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.

Frequently Asked Questions

How does Montauk, NY stack up for property investment?

Yes - Montauk, NY a 3.0/5 investability score. With $1.9M home prices against $3,072/mo monthly rent, the market delivers a reasonable entry point for new investors.

What do rentals go for in Montauk, NY?

Rental rates in Montauk, NY average $3,072/mo. Tenant demand and $1.9M home values make the yield look reasonable by investor standards.

Should investors worry about vacancy in Montauk, NY?

Vacancy in Montauk, NY is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $3,072/mo.

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

Typical homes in Montauk, NY go for around $1.9M. The 5-year CAGR of 0.0% measured price movement.

Is it easy to find good tenants in Montauk, NY?

The renter base in Montauk, NY is reasonable for the $3,072/mo price point. Screening well and pricing to market typically yields steady tenants.

You know 11954 now. You don’t know where it ranks.

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How 11954 ranks in New York-Newark-Jersey City, NY-NJ-PA

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Cash Flow → Appreciation → Affordable →
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