25 Lake St Unit 2C · White Plains, NY
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 4/10 · Minor
- Est. fire insurance / yr
- $691 – $1,283
Heat risk 6/10 · Moderate
- Hot days now (above 98°F)
- 7 days/yr
- Hot days in 30 yrs
- 15 days/yr
Wind risk 6/10 · Moderate
- Chance of severe wind over 30 yrs
- 27.0%
Air-quality risk 4/10 · Minor
- Unhealthy air days now
- 3 days/yr
- Unhealthy air days in 30 yrs
- 5 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the B+ grade
The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).
- Cash flow +30.0/30.0
- ARV discount +15.0/15.0
- DSCR +10.0/10.0
- 1% rule +8.7/10.0
- Schools +5.4/10.0
- Rent growth +3.7/5.0
- Livability +3.6/5.0
- Condition / age +2.2/5.0
- Appreciation +0.0/10.0
$199,000
25 Lake St Unit 2C · White Plains, NY 10604
1 bd · 1.0 ba · 720 sqft · Townhouse
· 100 Days on market
Built 1968
$276/sqft
· 44% below area
Est $358k · 44% under
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Immaculate One Bedroom Coop In Sought After Complex In White Plains. Beautiful Parquet Floors, Spacious Living Room/Dining Area. Windows Face Front. .. Very Bright And Airy. Large Bedroom. Immaculate Condition - Move Right In!! Convenient Location. Garage Parking.
Key facts
- Built 1968
- Listed 99 days
Neighborhood map
Sold within
Property
Rental comp
Retail
Costco
Walmart
Transit
Schools
Stadiums
Fortune 500
· Circle radius: 6.0 mi
Loading POIs…
What this means for you Summary
Snapshot
- This is a 1-bed/1.0-bath townhouse listed at $199k. Condition is rated fair.
Deal economics
- At list price, monthly cash flow is $775 ($9k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($3k rent vs $199k).
- Recommended offer: $181k (9.0% below list) — sets the bar for market timing.
- Cap rate 11.0% vs local median 4.3% in White Plains — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
Location & tenants
- Location reads 71/100 on livability (#410 in NY) — a middle-class / working-renter tenant base. Strengths: commute A+, employment A+, crime A-; Watch: amenities F, cost of living F.
- White Plains City School District (urban): math 49% / reading 54% proficiency, ranked #313 of 590 in NY (top 53%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
- Zoned schools: White Plains Middle School (math 36% / reading 53%, grade D, #348 of 729 statewide, top 50%, 1,517 students, 50% FRL); White Plains Senior High School (math 89% / reading 67%, grade A-, #577 of 1,100 statewide, top 52%, 2,220 students, 53% FRL).
- Market conditions: Rents rising fast (+4.9%/yr); 47 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 33d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; high-income renter base; 954 units permitted in Westchester County in 2024 (649 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
- Westchester County population projected at +10% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
- At projected returns (-3.0% appreciation + 4.9% rent growth), your $56k cash investment doubles in ~7 years — after that, you're playing with house money.
Negotiation context
- It's been on market 100 days — a 9% lower offer ($181k) is reasonable based on typical stale-listing flexibility.
- 4 sale attempts since 22y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
- Current owner paid $171k; 16% above their basis — modest negotiation headroom, anchor on the comps not their cost.
Risks & watch-outs
- Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer
$181,090
(9.0% below list)
Questions for the listing agent
- It's been on market 100 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
- Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
- Built in 1968 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
- What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
- How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.
Investment metrics
- 1% rule
- 1.37% ✓
- Cap rate
- 10.97%
- Cash-on-cash
- 16.69%
- DSCR
- 1.74
- GRM
- 6.1
CMA / ARV
- ARV (median comp)
- $358,443
- List price
- $199,000
- Delta
- -44.48%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 1 Franklin Ave Unit 4G | 0.28mi | 1/1.0 | 725 (+1%) | 0mo | $177,500 | $245 | 85 |
| 42 Barker Ave Unit 2B | 0.32mi | 1/1.0 | 750 (+4%) | 2mo | $299,998 | $400 | 76 |
| 92 Underhill Ave Unit 1B | 0.56mi | 1/1.0 | 725 (+1%) | 3mo | $235,000 | $324 | 70 |
| 95 N Broadway Unit D1-5 | 0.44mi | 1/1.0 | 750 (+4%) | 3mo | $210,000 | $280 | 70 |
| 155 Ferris Ave Unit 2B | 0.73mi | 1/1.0 | 700 (-3%) | 0mo | $177,000 | $253 | 61 |
| 24 Carhart Ave #210 | 0.71mi | 1/1.0 | 764 (+6%) | 0mo | $435,000 | $569 | 56 |
| 62 Underhill Ave Unit 2B | 0.53mi | 1/1.0 | 800 (+11%) | 3mo | $200,000 | $250 | 54 |
| 96 Underhill Ave Unit 2B | 0.56mi | 1/1.0 | 800 (+11%) | 2mo | $210,000 | $263 | 54 |
| 121 Columbus Ave Unit 1B | 0.60mi | 1/1.0 | 800 (+11%) | 0mo | $220,000 | $275 | 53 |
| 126 Underhill Ave Unit 1A | 0.57mi | 1/1.0 | 800 (+11%) | 3mo | $200,000 | $250 | 52 |
| 165 Columbus Ave Unit 2A | 0.61mi | 1/1.0 | 800 (+11%) | 1mo | $235,000 | $294 | 52 |
| 25 Rockledge Ave #1007 | 0.57mi | 1/1.0 | 825 (+15%) | 1mo | $449,000 | $544 | 48 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-3.0% appreciation · 4.88% rent growth · sell at horizon
5-year hold
- IRR
- 10.0%
- Equity multiple
- 1.40×
- Total profit
- $22,399
- Equity at exit
- $29,672
10-year hold
- IRR
- 20.6%
- Equity multiple
- 2.90×
- Total profit
- $105,596
- Equity at exit
- $17,206
Cash invested: $55,720 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 15 Strongly Tenant-Friendly
- State New York
- 15 Strongly Tenant-Friendly · D+10
- County
- — inherits STATE
- City
- — inherits STATE
NYC rent stabilization (~1M units); 2019 HSTPA strengthened tenant rights; courts deeply backlogged.
Seller's market
Market conditions
within 1.0 mi — comparable homes for sale
Active competition Active MLS
- For sale now
- 19 active · 39 under contract
- Months of supply
- 2.4 mo (42%/mo absorbed)
- Median asking
- $365,000 ($428/sqft)
- Median days on market
- 30 d
- This list price
- 16% of active listings are priced below it
- ARV vs active asking
- +16.4% above current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 10604
- Home prices YoY
- -19.9%
- Rents YoY
- 4.9%
- Active inventory
- 47
- Price-to-rent
- 6.1×
Monthly cashflow live
↻
- Estimated rent
- $2,722 high interval (Pro) →
- Mortgage (P&I)
- −$1,044
- Tax est. 1.5%
- −$249 /mo · $2,985/yr
- Insurance
- −$83
- HOA
- −$0
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$572
- Net cashflow
- $775
Break-even live
Break-even rent
$1,741
Max offer price
$199,000
Occupancy floor
67%
Sensitivity live
| Price | -10% $913 | -5% $844 | +0% $775 | +5% $706 | +10% $637 |
|---|---|---|---|---|---|
| Rent | -10% $560 | -5% $667 | +0% $775 | +5% $883 | +10% $990 |
| Rate | -1.0pp $875 | -0.5pp $826 | base $775 | +0.5pp $723 | +1.0pp $671 |
UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt
Financing live
Cash to close
- Down payment
- $49,750
- Closing costs
- $5,970
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 37 Lake St Unit 2B White Plains, NY | 2.0 | 1.0 | 721 | $3,140 | $4.36 | 70d | 1 | 0.04mi |
| 15 Lake St Unit 4-J White Plains, NY | 1.0 | 1.0 | 640 | $2,325 | $3.63 | 7d | 1 | 0.09mi |
| 2 Canfield Ave White Plains, NY | 1.0–2.0 | 1.0–2.0 | 940 | $3,137 | $3.34 | 0d | 13 | 0.12mi |
| 11 Lake St Unit 7A White Plains, NY | — | 1.0 | 600 | $1,875 | $3.12 | 23d | 1 | 0.13mi |
| 440 Hamilton Ave White Plains, NY | 2.0 | 1.0–2.0 | 880 | $4,008 | $4.55 | 0d | 43 | 0.27mi |
| 25 Franklin Ave Apt 2K White Plains, NY | — | 1.0 | 650 | $2,200 | $3.38 | 19d | 1 | 0.29mi |
| 37 Lake St White Plains, NY | 1.0–2.0 | 1.0 | 685 | $2,580 | $3.76 | 93d | 1 | 0.30mi |
| 1 Franklin Ave Unit 4DD White Plains, NY | — | 1.0 | 550 | $1,950 | $3.55 | 53d | 1 | 0.31mi |
| 1 Franklin Ave Unit 4DD White Plains, NY | — | 1.0 | 550 | $1,950 | $3.55 | 42d | 1 | 0.31mi |
| 1 S Broadway Unit 4M White Plains, NY | — | 1.0 | 600 | $2,207 | $3.68 | 93d | 1 | 0.34mi |
| 10 Franklin Ave Unit 2MEF White Plains, NY | — | 1.0 | 422 | $1,800 | $4.27 | 93d | 1 | 0.34mi |
| 125 Lake St Unit 12NJ White Plains, NY | 1.0 | 1.0 | 725 | $2,250 | $3.10 | 32d | 1 | 0.38mi |
| 1 City Pl White Plains, NY | 1.0–3.0 | 1.0–2.0 | 1011 | $2,788 | $2.76 | 0d | 10 | 0.42mi |
| 27 Barker Ave White Plains, NY | 2.0 | 1.0–2.0 | 1110 | $4,186 | $3.77 | 0d | 19 | 0.45mi |
| 210 Martine Ave Unit 5G White Plains, NY | — | 1.0 | 550 | $2,150 | $3.91 | 68d | 1 | 0.49mi |
| 131 Mamaroneck Ave White Plains, NY | 3.0 | 1.0–2.0 | 974 | $4,143 | $4.25 | 0d | 21 | 0.57mi |
| 1 Lyon Pl Unit 103 White Plains, NY | — | 1.0 | 406 | $2,295 | $5.65 | 52d | 1 | 0.60mi |
| 1 Lyon Pl Unit 509 White Plains, NY | 1.0 | 1.0 | 668 | $2,980 | $4.46 | 52d | 1 | 0.60mi |
| 100 Hale Ave White Plains, NY | 1.0–2.0 | 1.0–2.0 | 966 | $3,350 | $3.47 | 0d | 9 | 0.61mi |
| 10 Lyon Pl White Plains, NY | 2.0 | 1.0–2.0 | 832 | $3,885 | $4.67 | 0d | 13 | 0.61mi |
| 1 DeKalb Ave White Plains, NY | 1.0 | 1.0 | 749 | $3,390 | $4.53 | 93d | 1 | 0.66mi |
| 96 Park Ave White Plains, NY | — | 1.0 | 500 | $1,895 | $3.79 | 23d | 1 | 0.71mi |
| 25 N Lexington Ave White Plains, NY | 3.0 | 1.0–2.0 | 922 | $4,126 | $4.48 | 0d | 28 | 0.73mi |
| 34 S Lexington Ave White Plains, NY | 1.0 | 1.0 | 741 | $3,350 | $4.52 | 1d | 7 | 0.78mi |
| 295 Columbus Ave Unit 1 West Harrison, NY | 1.0 | 1.0 | 726 | $3,600 | $4.96 | 93d | 1 | 0.80mi |
| 4 Martine Ave White Plains, NY | 1.0–2.0 | 1.0–2.0 | 918 | $2,700 | $2.94 | 29d | 3 | 0.81mi |
| 4 Martine Ave White Plains, NY | 1.0 | 1.0 | 707 | $2,750 | $3.89 | 51d | 1 | 0.81mi |
| 250 Mamaroneck Ave White Plains, NY | 3.0 | 1.0–2.5 | 1247 | $5,739 | $4.60 | 0d | 111 | 0.82mi |
| 1 Martine Ave White Plains, NY | 1.0–2.0 | 1.0–2.0 | 827 | $2,895 | $3.50 | 0d | 13 | 0.82mi |
| 15 Bank St White Plains, NY | 1.0–2.0 | 1.0–2.0 | 934 | $2,619 | $2.80 | 0d | 37 | 0.85mi |
| 3 Greenridge Ave Unit D7 White Plains, NY | 1.0 | 1.0 | 720 | $2,300 | $3.19 | 38d | 1 | 0.85mi |
| 125 Lake St Unit 5jn West Harrison, NY | 1.0 | 1.0 | 750 | $2,150 | $2.87 | 93d | 1 | 0.88mi |
| 55 Bank St White Plains, NY | 2.0 | 1.0–2.0 | 859 | $4,140 | $4.82 | 0d | 21 | 0.92mi |
| 57 Bank St Unit 1040036P White Plains, NY | 1.0 | 1.0 | 592 | $7,170 | $12.11 | 68d | 1 | 0.93mi |
| 57 Bank St Unit 1040035P White Plains, NY | 2.0 | 1.0–2.0 | 726 | $7,940 | $10.94 | 52d | 3 | 0.93mi |
| 4 Old Mamaroneck Rd Unit 4b White Plains, NY | 1.0 | 1.0 | 600 | $2,250 | $3.75 | 23d | 1 | 1.00mi |
| 218 Lincoln Ave Unit 2 West Harrison, NY | 1.0 | 1.0 | 580 | $1,885 | $3.25 | 53d | 1 | 1.07mi |
| 121 Westmoreland Ave White Plains, NY | 2.0 | 1.0–2.0 | 772 | $3,075 | $3.98 | 12d | 2 | 1.14mi |
| 59 Old Mamaroneck Rd Unit 2E White Plains, NY | 1.0 | 1.0 | 700 | $1,912 | $2.73 | 73d | 1 | 1.18mi |
| 9 Wyndover Woods Ln #23 White Plains, NY | — | 1.0 | 600 | $1,850 | $3.08 | 93d | 1 | 1.22mi |
Property features AI
Finance
- HOA & community
- Association: Regency ParkAdditional monthly assessment fee of $41.96Community features include a park and a playground
Exterior
- Parking
- Assigned parking (monthly fee applies)Other parkingMonthly parking fee of $90
- Utilities
- Con Edison electric servicePublic sewerCable availableElectricity connectedNatural gas connected
- Home design
- Stock cooperativeEstimated conditionSix-story buildingOne level (unit)Entry on level 2
- Construction
- Other construction materialsOther foundation
- Exterior features
- No waterfrontOther construction materialsOther foundation
Interior
- Kitchen
- DishwasherMicrowaveRangeRefrigerator
- Bedrooms
- Second-floor unit
- Flooring
- Hardwood floors
- Bathrooms
- 1 full bathroom
- Heating & cooling
- Electric heatingNatural gas heating
- Interior features
- Ceiling fansElevatorAluminum-frame windows
- Laundry & utility
- Common area laundry
Listing history 50 events
-
2026-08-08days on market $199,000 Active 100 DOM
-
2026-08-06days on market $199,000 Active 98 DOM
-
2026-08-05days on market $199,000 Active 97 DOM
-
2026-08-04days on market $199,000 Active 96 DOM
-
2026-08-03days on market $199,000 Active 95 DOM
-
2026-07-31days on market $199,000 Active 92 DOM
-
2026-07-30days on market $199,000 Active 91 DOM
-
2026-07-30days on market $199,000 Active 90 DOM
-
2026-07-28days on market $199,000 Active 89 DOM
-
2026-07-26days on market $199,000 Active 87 DOM
-
2026-07-24days on market $199,000 Active 85 DOM
-
2026-07-23days on market $199,000 Active 84 DOM
-
2026-07-22days on market $199,000 Active 83 DOM
-
2026-07-21days on market $199,000 Active 82 DOM
-
2026-07-20days on market $199,000 Active 81 DOM
-
2026-07-18days on market $199,000 Active 79 DOM
-
2026-07-18days on market $199,000 Active 78 DOM
-
2026-07-16days on market $199,000 Active 77 DOM
-
2026-07-15days on market $199,000 Active 76 DOM
-
2026-07-14days on market $199,000 Active 75 DOM
-
2026-07-13days on market $199,000 Active 74 DOM
-
2026-07-13days on market $199,000 Active 73 DOM
-
2026-07-11days on market $199,000 Active 72 DOM
-
2026-07-10days on market $199,000 Active 71 DOM
-
2026-07-09days on market $199,000 Active 70 DOM
-
2026-07-07days on market $199,000 Active 68 DOM
-
2026-07-06days on market $199,000 Active 67 DOM
-
2026-07-06days on market $199,000 Active 66 DOM
-
2026-07-05days on market $199,000 Active 65 DOM
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2026-07-03days on market $199,000 Active 64 DOM
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2026-07-02days on market $199,000 Active 63 DOM
-
2026-07-01days on market $199,000 Active 62 DOM
-
2026-06-30days on market $199,000 Active 61 DOM
-
2026-06-29days on market $199,000 Active 60 DOM
-
2026-06-28days on market $199,000 Active 59 DOM
-
2026-06-27days on market $199,000 Active 58 DOM
-
2026-06-26days on market $199,000 Active 57 DOM
-
2026-06-24days on market $199,000 Active 55 DOM
-
2026-06-22days on market $199,000 Active 53 DOM
-
2026-06-21days on market $199,000 Active 52 DOM
-
2026-06-18days on market $199,000 Active 49 DOM
-
2026-06-17days on market $199,000 Active 48 DOM
-
2026-06-16days on market $199,000 Active 47 DOM
-
2026-06-15days on market $199,000 Active 46 DOM
-
2026-06-13days on market $199,000 Active 44 DOM
-
2026-06-13days on market $199,000 Active 43 DOM
-
2026-06-09days on market $199,000 Active 40 DOM
-
2026-06-08days on market $199,000 Active 39 DOM
-
2026-06-07days on market $199,000 Active 38 DOM
-
2026-06-04days on market $199,000 Active 35 DOM
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Climate risk First Street
- Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
- Wildfire 4/10 Moderate
- Heat 6/10 Major 7 d/yr ≥98°F today · 15 d/yr by 30 yrs out
- Wind 6/10 Major 27% chance of damaging wind over 30 yrs
- Air quality 4/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $32,662
- − Mortgage interest
- −$11,147
- − Property taxes
- −$2,985
- − Insurance
- −$995
- − Repairs & maintenance
- −$2,613
- − Management
- −$2,613
- − Depreciation
- −$5,789
- Taxable income
- $6,520
combined federal + state — saved on this device
- Est. tax owed @ 24.0%
- −$1,565
- After-tax cash flow
- $7,735/yr
For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.
Condition & rehab AI · 9 photos
45/100
Moderate rehab
Est. rehab $18,000–$32,400 screening
This property is in fair condition with moderate repairs and maintenance needed. Upgrading the kitchen and bathroom, painting the interior walls, and landscaping will significantly increase its resale and rental value.
Repairs flagged
- Major Kitchen cabinets — The cabinets appear dated and need replacement or renovation.
- Major Bathroom fixtures — The fixtures are outdated and need replacement or renovation.
- Moderate Exterior siding — The siding is peeling in some areas and needs repainting or replacement.
- Minor Interior walls — The walls need touch-ups or repainting to improve their appearance.
- Minor Landscaping — The landscaping needs trimming and some areas need reseeding.
Value-add opportunities
- Resale Renovating the kitchen and bathroom — Updating the kitchen and bathroom will significantly improve the home's appeal and market value. ↑
- Resale Painting the interior walls — Updating the interior walls will improve the home's appearance and make it more appealing to potential buyers. ↑
- Both Landscaping — Landscaping will improve the home's curb appeal and increase its rental value. ↑
ⓘ Rehab cost is a screening estimate — Moderate scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.
D
Composite school gradezoned avg 54/100
Zoned Schools
Elementary
Post Road School
F
NY #1,505/2,108
Nat'l #20,819/41,679
Middle
White Plains Middle School
D
NY #348/729
Nat'l #4,747/14,009
High
White Plains Senior High School
A-
NY #577/1,100
Nat'l #1,312/17,239
Schools (NCES district)
- District
- White Plains City School District
- NCES district ID
- 3631260
- Math proficiency
- 49% ▼ -6.00%
- Reading proficiency
- 54% ▲ 2.00%
- Median HH income
- $78,366
- Composite
- 46.72/100
- National rank
- #2397
- State rank
- #313 of 590 in NY
B
Composite livability gradescore 71/100
Livability — White Plains
- Score
- 71/100
- State rank
- #410
- US rank
- #6801
Category grades
Amenities F
Commute A+
Cost of living F
Crime A-
Employment A+
Housing B-
Health & safety A-
User ratings D
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- White Plains, NY
- County
- Westchester County · 1,028,035 people
- City population
- 61,281
- Metro
- New York-Newark-Jersey City, NY-NJ-PA
- Population (ZIP)
- 12,517
- Household income
- $117,014
- Rent vs Own
- Severe rent burden
- 16% of renters
Population outlook (Westchester County) Hauer SSP2
- Today (2025)
- 1,028,035 people
- By 2030
- 1,051,636 · +2.3%
- By 2040
- 1,098,520 · +6.9%
- By 2050
- 1,136,044 · +10.5%
- By 2075
- 1,196,925 · +16.4%
- By 2100
- 1,175,147 · +14.3%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Diverse neighborhood (Simpson 0.57)
- Race & ethnicity
- White 60% Hispanic / Latino 26% Two or more races 12% Black 6% Asian 3% Native American 2%
- Hispanic origin (detail)
- Mexican 2% Puerto Rican 4% Dominican 3% Salvadoran 1%
- Common ancestry
- Scotch-Irish 4% Estonian 4% Romanian 3%
- Foreign-born
- 25% · Canada, Dominican Republic, China
- Languages at home
- 67% English-only · Spanish 20% Other Indo-European 10% Other Asian/Pacific 1%
Political lean MEDSL · Westchester
- 2024 margin
- Strong D (+26.3) · D 63.1% · R 36.9%
- 2008→2024 swing
- -1.3pp toward R · 2008: 27.6pp · 2024: 26.3pp
- All cycles
- 2024: D+26.3 2020: D+36.3 2016: D+32.8 2012: D+22.2 2008: D+27.6
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -65.49%
- Current HPI
- 263.8376
- Rent YoY
- ▲ 4.88%
- Metro
- New York-Newark-Jersey City, NY-NJ-PA
- State GDP YoY
- ▲ 2.60%
- F500 in state
- 92
Industry mix (Fortune 500 HQ in NY)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Financial Services | 10 | $950B |
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| Consumer Goods | 9 | $162B |
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| Insurance | 4 | $225B |
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| Telecommunications | 2 | $144B |
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| Pharmaceuticals | 2 | $112B |
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| Media / Entertainment | 2 | $69B |
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Price history
+18.8% since first listed11 events — show timeline
- 2026-05-01 Listed $199,000 OneKey® MLS as Distributed by MLS Grid
- 2026-04-29 Coming Soon $199,000 OneKey® MLS as Distributed by MLS Grid
- 2014-01-27 Price Changed $164,500 HGMLS
- 2007-05-18 Sold (MLS) $171,000 HGMLS
- 2007-04-12 Price Changed $179,900 HGMLS
- 2007-04-12 Delisted — HGMLS
- 2006-11-21 Listed $171,000 HGMLS
- 2006-11-15 Delisted — HGMLS
- 2006-08-21 Listed — HGMLS
- 2004-09-22 Sold (MLS) $167,500 HGMLS
- 2004-06-18 Listed $167,500 HGMLS
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…