Real Estate Investing in Sag Harbor, New York (11963)

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

Suffolk County • Population: 8,114 • Data updated: September 2026

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Should you buy in 11963 (Sag Harbor, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (51/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
STRONG
5.0 / 5 (100/100)

A balanced market — moderate cash flow and moderate appreciation. A "steady" investor profile fits best.

⚠️ Risks to Know
2 flags
  • High vacancy: 43.2% of homes vacant — above national norms.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.

⚠ Data quality notice

  • Rental data under review — the recorded rent appears to be an annual figure stored as monthly. Cap rate and cash-flow rankings exclude this ZIP until it is corrected.

What’s happening in Sag Harbor, NY (11963)?

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5.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

5.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $2,368,224
Avg Monthly Rent $55,972
1% Rule ✓ Meets
Median Income $111,129
% Renters 16.2%

Market Analysis: 11963 Sag Harbor

ZIP 11963 inside Sag Harbor, NY plays the steady-hand role. Median home values registers $2.4M, rents near $55,972/mo, and the trend line is consistent rather than flashy.

What you underwrite in 11963 is what you tend to get. That is harder to find than most investors admit, and it is why this ZIP earns its place in diversified rental portfolios.

Compared with the rest of NY, ZIP 11963 tracks near the median on most investment metrics. That is the definition of a reliable market rather than a remarkable one.

Demographically, 11963 is the definition of a steady submarket. Put differently, growth has been modest, attrition has been low, and the mix of owners and renters has not shifted meaningfully.

The strategic fit for 11963 is core buy-and-hold. Turning to rents, the ZIP does not produce spectacular returns, it also does not produce spectacular mistakes — and that reliability has value.

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 Sag Harbor:

C Below Average
Buy Confidence Score: 54/100
Affordability
0/25
Appreciation
22/25
Stability
9/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 21.3× the median income
Value Trend
Rising (+5.3%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $55,972/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.
🏠

Property Strategy for 11963

Which property type performs best in this market?

Best for Cash Flow
2BR
2.0% cap rate
Best for Appreciation
2BR
+11.7% 5yr CAGR
Best Overall Value
3BR
$594,125/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $1,343,638 $3,720 2.0% +11.7% $671,819
3BR $1,782,375 $4,830 2.0% +11.2% $594,125
4BR $2,602,983 $5,100 1.4% +11.7% $650,746
5BR $5,189,462 +10.5% $1,037,892

Market Trends

Home Value History (with trend line)

$2.5M$2.2M$1.8M$1.5M$1.2M$836KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$60,230$48,184$36,138$24,092$12,046$0Aug 2023Feb 2025Jul 2026

📊 How Does 11963 Compare?

Metric 11963 Sag Harbor New York
Home Value $2,368,224 $2,368,224 $505,608
5-Year CAGR 6.3% 6.3% 6.6%
Avg Rent $55,972 $55,972 -
Cap Rate 18.4% 18.4% -
💡 Why Invest in 11963? Click to expand

This ZIP code meets the 1% rule with rent at $55,972/mo on homes averaging $2,368,224 — a strong indicator of cash flow potential.

Our analysis gives this area a 5/5 investability rating, placing it in the top tier for rental property potential.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 11963 (Sag Harbor, 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
Excellent
Cap Rate
18.4%
Excellent
5yr Growth
+6.3%
Strong

📊 Market Snapshot

Home Value $2,368,224
Monthly Rent $55,972
Price-to-Rent 3.5:1
1% Rule ✓ Passes

💰 Return Metrics

Gross Yield 28.4%
Cap Rate 18.4%
5-Year IRR 24.8%

📈 Home Appreciation

1-Year +5.3% ▲
3-Year CAGR +4.3% ▲
5-Year CAGR +6.3% ▲
10-Year CAGR +6.4% ▲

🏠 Rent Trends

1-Year +1,548.1% ▲
3-Year CAGR +154.1% ▲
5-Year CAGR N/A
Positive Leverage Market Cap Rate: 18.4%  |  30yr Rate: 6.8%
Leverage may enhance returns here.

The estimated cap rate (18.4%) exceeds the current 30-yr mortgage rate (6.8%). When borrowing costs less than a property yields, leverage can increase your cash-on-cash return above the cap rate.

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
43.2%
Elevated risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+6.3%
Growing
Eviction process: Slow Rent control: Unfavorable

Demographics in 11963

Population: 8,114

💰 Median Household Income
$111,129
This area
$111,129
State
$86,376
USA
$74,580
🏠 Renter Occupied
16.2%
This area
16.2%
State
26.4%
USA
34.0%
💼 Unemployment Rate
2.3%
This area
2.3%
State
-24.2%
USA
3.7%
🎓 College Educated
57.5%
This area
57.5%
State
4.2%
USA
33.7%
👤 Median Age
50.5 years
This area
50.5 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
43.2%
This area
43.2%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 83.4%
Other/Mixed 10.8%
Hispanic/Latino 9.5%
Asian 3.4%
Black/African American 2.4%
👶 Under 18
19.9%
This area
19.9%
USA
22.0%
👴 65 and Over
26.3%
This area
26.3%
USA
17.3%
📊 Poverty Rate
3.3%
This area
3.3%
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 11963

A+ Avg School Grade
2 Schools
8.0:1 Avg Class Size
$43,083 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

PIERSON MIDDLE/HIGH SCHOOL

📚 06 – 12 High School
👥
519 Students
👨‍🏫
7.2:1 Class Size
💰
$43,083 Per Student
A+ Excellent

SAG HARBOR ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
👥
421 Students
👨‍🏫
8.9:1 Class Size
💰
$43,083 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

Should investors consider Sag Harbor, NY?

Sag Harbor, NY scores 5.0/5 for investability. Home values sit at $2.4M and rents near $55,972/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.

How strict are landlord regulations in Sag Harbor, NY?

Landlord-friendliness in Sag Harbor, NY is tenant-protective. Eviction timelines and lease enforcement are considered reasonable by most property managers.

What do landlords charge for rent in Sag Harbor, NY?

Sag Harbor, NY rentals go for roughly $55,972/mo a month. That puts gross yield in solid territory relative to $2.4M acquisition costs.

Where do home prices stand in Sag Harbor, NY?

Median home price in Sag Harbor, NY is near $2.4M, with a 5-year CAGR of 0.0%. Prices have been predictable and supportive of buy-and-hold strategies.

What strategy should investors use in Sag Harbor, NY?

The best-fit strategy in Sag Harbor, NY is steady buy-and-hold investing. That approach the rent and price profile of the market.

You know 11963 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 11963 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.

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How 11963 ranks in New York-Newark-Jersey City, NY-NJ-PA

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