60 White Oak St Unit 2-H · New Rochelle, NY 10801

$167,000

1 bd · 1.0 ba · 750 sqft · Condo · 354 Days on market

Built 1952

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Schools +5.7/10.0
• Livability +3.5/5.0
• Rent growth +2.9/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

**Back On The Market With A Refresh!** Welcome home to this bright, inviting 1-bedroom, 1-bathroom co-op in a well-maintained building. This charming freshly painted unit features brand new vinyl plank flooring throughout the living spaces, newly installed LED lighting in the living / dining room, natural light, and Wi-Fi-enabled light switches. The open floor plan between kitchen, living, and dining area provides the perfect layout for relaxing or entertaining. A conveniently updated walk-through kitchen offers newly installed modern appliances, ample cabinetry, and a kitchen island ideal to pair with comfortable bar stool seating. The bedroom is well-sized and features custom closets from The Container Store, providing great storage options while the updated bathroom adds a fresh touch. The cooperative has on-site laundry facilities, a private exercise room, secure basement storage for both personal belongings and bikes, on-site parking (additional monthly cost), a community room available for private rentals and two beautifully landscaped private picnic areas equipped with BBQ grills and seating for residents to lounge and enjoy. Conveniently located near Metro-North, highways, shops, dining, and parks, this home offers easy access to all that New Rochelle has to offer. Sale includes 3 months usage of a dedicated parking spot located in a lot right next door. Please ask about co-op requirements. Subleasing permitted after 2 years (subject to board approval). Monthly Maintenance Includes ALL Utilities (electricity, gas, heat, and hot water). Additional charge of $30/month for each Air Conditioner unit installed (optional). STAR Credit available. Co-op Requirements: Minimum credit score: 700 (750 in some cases), housing expense-to-income ratio: Max 28%, debt-to-income ratio: Max 33%. Two years' maintenance as minimum cash reserves, maximum loan-to-value ratio: 80%, minimum down payment: 10% at contract signing.

Key facts

• Laundry facilities
• Ample cabinetry
• Modern appliances

Tags

• HARDWOOD FLOORS
• UPDATED WALK-THROUGH KITCHEN
• MODERN APPLIANCES
• AMPLE CABINETRY
• LANDSCAPED OUTDOOR SPACE
• LAUNDRY FACILITIES

🏢 Co-op / cooperative unit. The $167,000 price buys shares in the cooperative corporation, not the real estate itself — so it isn't comparable to a fee-simple sale price, and the cashflow / cap-rate / 1%-rule cards below (which assume you own the property and can rent it out) don't apply here. Expect board approval and a monthly maintenance fee on top of the price.

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath condo listed at $167k.

Deal economics

• At list price, monthly cash flow is $942 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $167k).
• Recommended offer: $147k (12.0% below list) — sets the bar for market timing.
• Cap rate 14.0% vs local median 4.5% in New Rochelle — 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 69/100 on livability (#487 in NY) — a middle-class / working-renter tenant base. Strengths: employment A+, crime A, amenities B+; Watch: housing D+, commute F, cost of living F.
• New Rochelle City School District (suburban): math 63% / reading 66% proficiency, ranked #171 of 590 in NY (top 29%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising (+1.4%/yr); 138 active listings in the ZIP; 35 comparable units currently listed for rent nearby; rentals leasing fast (median 10d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 954 units permitted in Westchester County in 2024 (649 in 5+ unit buildings).
• This rent runs 39% of the median local income ($86k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k 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 + 1.4% rent growth), your $47k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 354 days — a 12% lower offer ($147k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 11y ago; this cycle's ask is 7% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
• Current owner paid $106k; list at $167k implies a 58% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $125/mo; built in 1952 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: in FEMA flood zone A (mandatory federal flood insurance); 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 $146,960 (12.0% below list)

Questions for the listing agent

1. It's been on market 354 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1952 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. 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.
8. 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.
9. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.68% ✓
• Cap rate: 13.96%
• Cash-on-cash: 27.38%
• DSCR: 2.22
• GRM: 5.0

CMA / ARV

• ARV (median comp): $214,989
• List price: $167,000
• Delta: -22.32%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 1.42% rent growth · sell at horizon

5-year hold

• IRR: 15.6%
• Equity multiple: 1.61×
• Total profit: $28,637
• Equity at exit: $24,900

10-year hold

• IRR: 23.0%
• Equity multiple: 2.82×
• Total profit: $85,162
• Equity at exit: $14,439

Cash invested: $46,760 (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.

Methodology + full state rankings →

ZIP-level market 10801

• Rents YoY: 1.4%
• Active inventory: 138
• Price-to-rent: 5.0×

Monthly cashflow live

• Estimated rent: $2,811 high
• Mortgage (P&I): −$876
• Tax est. 1.5%: −$209 /mo · $2,505/yr
• Insurance: −$70
• Flood insurance flood zone: −$125 /mo · $1,502/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$590
• Net cashflow: $942

Break-even live

Break-even rent $1,619

Max offer price $167,000

Occupancy floor 62%

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: $41,750
• Closing costs: $5,010
• Reserves months: —
• Total cash needed: —

Rent comps 35 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
600 North Ave New Rochelle, NY	2.0	1.0–2.0	869	$3,422	$3.94	2d	11	0.24mi
17 Dewitt Pl New Rochelle, NY	2.0	1.0	550	$2,500	$4.55	43d	1	0.58mi
139 Sickles Ave Unit 2 New Rochelle, NY	2.0	1.5	1000	$3,100	$3.10	20d	1	0.78mi
11 Park Pl New Rochelle, NY	1.0	1.0	1015	$2,700	$2.66	43d	1	0.80mi
225 Sickles Ave Unit 1 New Rochelle, NY	1.0	1.0	750	$2,600	$3.47	43d	1	0.86mi
299 Webster Ave Unit 3F New Rochelle, NY	1.0	1.0	861	$2,385	$2.77	43d	1	0.88mi
20 Burling Ln New Rochelle, NY	1.0	1.0	725	$3,110	$4.29	10d	10	0.94mi
10 Commerce Dr New Rochelle, NY	2.0	1.0–2.0	792	$3,094	$3.91	1d	11	0.96mi
120 Stonelea Pl Apt 3M New Rochelle, NY	1.0	1.0	750	$2,300	$3.07	19d	1	0.99mi
110 Stonelea Pl Unit 3B New Rochelle, NY	2.0	1.0	800	$2,650	$3.31	43d	1	1.00mi
274 Lockwood Ave Unit First floor New Rochelle, NY	2.0	1.0	908	$2,700	$2.97	43d	1	1.03mi
1 Shearwood Pl New Rochelle, NY	3.0	1.0–2.0	896	$2,922	$3.26	2d	31	1.11mi
29 Pratt St Unit 2 New Rochelle, NY	2.0	1.0	800	$2,600	$3.25	43d	1	1.13mi
10 Lecount Pl New Rochelle, NY	2.0	1.0–2.0	740	$3,764	$5.08	1d	14	1.19mi
49 5th St Apt 8 New Rochelle, NY	2.0	1.0	800	$2,429	$3.04	43d	1	1.19mi
49 5th St Apt 8 New Rochelle, NY	2.0	1.0	800	$2,429	$3.04	13d	1	1.19mi
245 Main St Unit 1 New Rochelle, NY	1.0	1.0	750	$1,750	$2.33	17d	1	1.20mi
40 Memorial Hwy New Rochelle, NY	3.0	1.0–2.0	917	$3,158	$3.44	1d	51	1.20mi
325 Huguenot St New Rochelle, NY	1.0–2.0	1.0–2.0	989	$2,855	$2.89	5d	8	1.22mi
333 Huguenot St New Rochelle, NY	2.0	1.0–2.0	853	$3,562	$4.17	2d	12	1.25mi
36 4th St Unit One New Rochelle, NY	2.0	1.0	900	$2,900	$3.22	4d	1	1.26mi
543 Main St #402 New Rochelle, NY	1.0	1.0	924	$3,000	$3.25	15d	1	1.26mi
12 Church St New Rochelle, NY	2.0	1.0–2.0	770	$3,536	$4.59	3d	50	1.27mi
9 9th St Unit 3rd Floor New Rochelle, NY	1.0	1.0	750	$2,100	$2.80	43d	1	1.31mi
360 Huguenot St New Rochelle, NY	2.0	1.0–2.0	764	$2,945	$3.85	1d	15	1.32mi
55 Clinton Pl New Rochelle, NY	2.0	1.0–2.0	910	$3,721	$4.09	1d	28	1.33mi
46 Locust Ave Unit 2 New Rochelle, NY	2.0	1.0	750	$2,950	$3.93	19d	1	1.33mi
387 Huguenot St New Rochelle, NY	2.0	1.0–2.0	753	$2,808	$3.73	4d	6	1.34mi
1270 North Ave Unit 2L New Rochelle, NY	—	1.0	650	$2,400	$3.69	15d	1	1.36mi
50 Clinton Pl New Rochelle, NY	2.0	1.0–2.0	844	$5,007	$5.93	1d	31	1.36mi
5 Lester Pl Unit 1 Larchmont, NY	2.0	1.0	850	$3,200	$3.76	24d	1	1.38mi
111 Centre Ave New Rochelle, NY	1.0–2.0	1.0–2.0	787	$2,847	$3.62	1d	17	1.40mi
25 Maple Ave New Rochelle, NY	2.0	1.0–2.0	748	$3,054	$4.08	4d	12	1.43mi
635 E Lincoln Ave Mount Vernon, NY	2.0	1.0	1000	$3,150	$3.15	7d	1	1.44mi
79 S Division St Unit 3 New Rochelle, NY	2.0	1.0	800	$2,600	$3.25	3d	1	1.48mi

HOA detail condo

• Monthly dues: $0 · $0/yr
• Likely covers: watergaselectricinternet
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 24 events

1. 2026-06-10
   status $167,000 Pending 354 DOM
2. 2026-06-09
   days on market $167,000 Active 354 DOM
3. 2026-06-08
   days on market $167,000 Active 353 DOM
4. 2026-06-07
   days on market $167,000 Active 352 DOM
5. 2026-06-04
   days on market $167,000 Active 349 DOM
6. 2026-06-03
   days on market $167,000 Active 348 DOM
7. 2026-06-02
   days on market $167,000 Active 347 DOM
8. 2026-06-01
   days on market $167,000 Active 346 DOM
9. 2026-05-31
   days on market $167,000 Active 345 DOM
10. 2026-04-20
    status Active 1948-char remark

    Show marketing remark (1948 chars)

    **Back On The Market With A Refresh!** Welcome home to this bright, inviting 1-bedroom, 1-bathroom co-op in a well-maintained building. This charming freshly painted unit features brand new vinyl plank flooring throughout the living spaces, newly installed LED lighting in the living / dining room, natural light, and Wi-Fi-enabled light switches. The open floor plan between kitchen, living, and dining area provides the perfect layout for relaxing or entertaining. A conveniently updated walk-through kitchen offers newly installed modern appliances, ample cabinetry, and a kitchen island ideal to pair with comfortable bar stool seating. The bedroom is well-sized and features custom closets from The Container Store, providing great storage options while the updated bathroom adds a fresh touch. The cooperative has on-site laundry facilities, a private exercise room, secure basement storage for both personal belongings and bikes, on-site parking (additional monthly cost), a community room available for private rentals and two beautifully landscaped private picnic areas equipped with BBQ grills and seating for residents to lounge and enjoy. Conveniently located near Metro-North, highways, shops, dining, and parks, this home offers easy access to all that New Rochelle has to offer. Sale includes 3 months usage of a dedicated parking spot located in a lot right next door. Please ask about co-op requirements. Subleasing permitted after 2 years (subject to board approval). Monthly Maintenance Includes ALL Utilities (electricity, gas, heat, and hot water). Additional charge of $30/month for each Air Conditioner unit installed (optional). STAR Credit available. Co-op Requirements: Minimum credit score: 700 (750 in some cases), housing expense-to-income ratio: Max 28%, debt-to-income ratio: Max 33%. Two years' maintenance as minimum cash reserves, maximum loan-to-value ratio: 80%, minimum down payment: 10% at contract signing.

11. 2026-04-14
    historical 1948-char remark

    Show marketing remark (1948 chars)

    **Back On The Market With A Refresh!** Welcome home to this bright, inviting 1-bedroom, 1-bathroom co-op in a well-maintained building. This charming freshly painted unit features brand new vinyl plank flooring throughout the living spaces, newly installed LED lighting in the living / dining room, natural light, and Wi-Fi-enabled light switches. The open floor plan between kitchen, living, and dining area provides the perfect layout for relaxing or entertaining. A conveniently updated walk-through kitchen offers newly installed modern appliances, ample cabinetry, and a kitchen island ideal to pair with comfortable bar stool seating. The bedroom is well-sized and features custom closets from The Container Store, providing great storage options while the updated bathroom adds a fresh touch. The cooperative has on-site laundry facilities, a private exercise room, secure basement storage for both personal belongings and bikes, on-site parking (additional monthly cost), a community room available for private rentals and two beautifully landscaped private picnic areas equipped with BBQ grills and seating for residents to lounge and enjoy. Conveniently located near Metro-North, highways, shops, dining, and parks, this home offers easy access to all that New Rochelle has to offer. Sale includes 3 months usage of a dedicated parking spot located in a lot right next door. Please ask about co-op requirements. Subleasing permitted after 2 years (subject to board approval). Monthly Maintenance Includes ALL Utilities (electricity, gas, heat, and hot water). Additional charge of $30/month for each Air Conditioner unit installed (optional). STAR Credit available. Co-op Requirements: Minimum credit score: 700 (750 in some cases), housing expense-to-income ratio: Max 28%, debt-to-income ratio: Max 33%. Two years' maintenance as minimum cash reserves, maximum loan-to-value ratio: 80%, minimum down payment: 10% at contract signing.

12. 2026-03-13
    price $167,000 1948-char remark

    Show marketing remark (1948 chars)

    **Back On The Market With A Refresh!** Welcome home to this bright, inviting 1-bedroom, 1-bathroom co-op in a well-maintained building. This charming freshly painted unit features brand new vinyl plank flooring throughout the living spaces, newly installed LED lighting in the living / dining room, natural light, and Wi-Fi-enabled light switches. The open floor plan between kitchen, living, and dining area provides the perfect layout for relaxing or entertaining. A conveniently updated walk-through kitchen offers newly installed modern appliances, ample cabinetry, and a kitchen island ideal to pair with comfortable bar stool seating. The bedroom is well-sized and features custom closets from The Container Store, providing great storage options while the updated bathroom adds a fresh touch. The cooperative has on-site laundry facilities, a private exercise room, secure basement storage for both personal belongings and bikes, on-site parking (additional monthly cost), a community room available for private rentals and two beautifully landscaped private picnic areas equipped with BBQ grills and seating for residents to lounge and enjoy. Conveniently located near Metro-North, highways, shops, dining, and parks, this home offers easy access to all that New Rochelle has to offer. Sale includes 3 months usage of a dedicated parking spot located in a lot right next door. Please ask about co-op requirements. Subleasing permitted after 2 years (subject to board approval). Monthly Maintenance Includes ALL Utilities (electricity, gas, heat, and hot water). Additional charge of $30/month for each Air Conditioner unit installed (optional). STAR Credit available. Co-op Requirements: Minimum credit score: 700 (750 in some cases), housing expense-to-income ratio: Max 28%, debt-to-income ratio: Max 33%. Two years' maintenance as minimum cash reserves, maximum loan-to-value ratio: 80%, minimum down payment: 10% at contract signing.

13. 2025-12-12
    price $157,500 1948-char remark

    Show marketing remark (1948 chars)

    **Back On The Market With A Refresh!** Welcome home to this bright, inviting 1-bedroom, 1-bathroom co-op in a well-maintained building. This charming freshly painted unit features brand new vinyl plank flooring throughout the living spaces, newly installed LED lighting in the living / dining room, natural light, and Wi-Fi-enabled light switches. The open floor plan between kitchen, living, and dining area provides the perfect layout for relaxing or entertaining. A conveniently updated walk-through kitchen offers newly installed modern appliances, ample cabinetry, and a kitchen island ideal to pair with comfortable bar stool seating. The bedroom is well-sized and features custom closets from The Container Store, providing great storage options while the updated bathroom adds a fresh touch. The cooperative has on-site laundry facilities, a private exercise room, secure basement storage for both personal belongings and bikes, on-site parking (additional monthly cost), a community room available for private rentals and two beautifully landscaped private picnic areas equipped with BBQ grills and seating for residents to lounge and enjoy. Conveniently located near Metro-North, highways, shops, dining, and parks, this home offers easy access to all that New Rochelle has to offer. Sale includes 3 months usage of a dedicated parking spot located in a lot right next door. Please ask about co-op requirements. Subleasing permitted after 2 years (subject to board approval). Monthly Maintenance Includes ALL Utilities (electricity, gas, heat, and hot water). Additional charge of $30/month for each Air Conditioner unit installed (optional). STAR Credit available. Co-op Requirements: Minimum credit score: 700 (750 in some cases), housing expense-to-income ratio: Max 28%, debt-to-income ratio: Max 33%. Two years' maintenance as minimum cash reserves, maximum loan-to-value ratio: 80%, minimum down payment: 10% at contract signing.

14. 2025-10-19
    price $161,500 1948-char remark

    Show marketing remark (1948 chars)

    **Back On The Market With A Refresh!** Welcome home to this bright, inviting 1-bedroom, 1-bathroom co-op in a well-maintained building. This charming freshly painted unit features brand new vinyl plank flooring throughout the living spaces, newly installed LED lighting in the living / dining room, natural light, and Wi-Fi-enabled light switches. The open floor plan between kitchen, living, and dining area provides the perfect layout for relaxing or entertaining. A conveniently updated walk-through kitchen offers newly installed modern appliances, ample cabinetry, and a kitchen island ideal to pair with comfortable bar stool seating. The bedroom is well-sized and features custom closets from The Container Store, providing great storage options while the updated bathroom adds a fresh touch. The cooperative has on-site laundry facilities, a private exercise room, secure basement storage for both personal belongings and bikes, on-site parking (additional monthly cost), a community room available for private rentals and two beautifully landscaped private picnic areas equipped with BBQ grills and seating for residents to lounge and enjoy. Conveniently located near Metro-North, highways, shops, dining, and parks, this home offers easy access to all that New Rochelle has to offer. Sale includes 3 months usage of a dedicated parking spot located in a lot right next door. Please ask about co-op requirements. Subleasing permitted after 2 years (subject to board approval). Monthly Maintenance Includes ALL Utilities (electricity, gas, heat, and hot water). Additional charge of $30/month for each Air Conditioner unit installed (optional). STAR Credit available. Co-op Requirements: Minimum credit score: 700 (750 in some cases), housing expense-to-income ratio: Max 28%, debt-to-income ratio: Max 33%. Two years' maintenance as minimum cash reserves, maximum loan-to-value ratio: 80%, minimum down payment: 10% at contract signing.

15. 2025-08-27
    status Active 1948-char remark

    Show marketing remark (1948 chars)

    **Back On The Market With A Refresh!** Welcome home to this bright, inviting 1-bedroom, 1-bathroom co-op in a well-maintained building. This charming freshly painted unit features brand new vinyl plank flooring throughout the living spaces, newly installed LED lighting in the living / dining room, natural light, and Wi-Fi-enabled light switches. The open floor plan between kitchen, living, and dining area provides the perfect layout for relaxing or entertaining. A conveniently updated walk-through kitchen offers newly installed modern appliances, ample cabinetry, and a kitchen island ideal to pair with comfortable bar stool seating. The bedroom is well-sized and features custom closets from The Container Store, providing great storage options while the updated bathroom adds a fresh touch. The cooperative has on-site laundry facilities, a private exercise room, secure basement storage for both personal belongings and bikes, on-site parking (additional monthly cost), a community room available for private rentals and two beautifully landscaped private picnic areas equipped with BBQ grills and seating for residents to lounge and enjoy. Conveniently located near Metro-North, highways, shops, dining, and parks, this home offers easy access to all that New Rochelle has to offer. Sale includes 3 months usage of a dedicated parking spot located in a lot right next door. Please ask about co-op requirements. Subleasing permitted after 2 years (subject to board approval). Monthly Maintenance Includes ALL Utilities (electricity, gas, heat, and hot water). Additional charge of $30/month for each Air Conditioner unit installed (optional). STAR Credit available. Co-op Requirements: Minimum credit score: 700 (750 in some cases), housing expense-to-income ratio: Max 28%, debt-to-income ratio: Max 33%. Two years' maintenance as minimum cash reserves, maximum loan-to-value ratio: 80%, minimum down payment: 10% at contract signing.

16. 2025-08-27
    price $165,000 1948-char remark

    Show marketing remark (1948 chars)

    **Back On The Market With A Refresh!** Welcome home to this bright, inviting 1-bedroom, 1-bathroom co-op in a well-maintained building. This charming freshly painted unit features brand new vinyl plank flooring throughout the living spaces, newly installed LED lighting in the living / dining room, natural light, and Wi-Fi-enabled light switches. The open floor plan between kitchen, living, and dining area provides the perfect layout for relaxing or entertaining. A conveniently updated walk-through kitchen offers newly installed modern appliances, ample cabinetry, and a kitchen island ideal to pair with comfortable bar stool seating. The bedroom is well-sized and features custom closets from The Container Store, providing great storage options while the updated bathroom adds a fresh touch. The cooperative has on-site laundry facilities, a private exercise room, secure basement storage for both personal belongings and bikes, on-site parking (additional monthly cost), a community room available for private rentals and two beautifully landscaped private picnic areas equipped with BBQ grills and seating for residents to lounge and enjoy. Conveniently located near Metro-North, highways, shops, dining, and parks, this home offers easy access to all that New Rochelle has to offer. Sale includes 3 months usage of a dedicated parking spot located in a lot right next door. Please ask about co-op requirements. Subleasing permitted after 2 years (subject to board approval). Monthly Maintenance Includes ALL Utilities (electricity, gas, heat, and hot water). Additional charge of $30/month for each Air Conditioner unit installed (optional). STAR Credit available. Co-op Requirements: Minimum credit score: 700 (750 in some cases), housing expense-to-income ratio: Max 28%, debt-to-income ratio: Max 33%. Two years' maintenance as minimum cash reserves, maximum loan-to-value ratio: 80%, minimum down payment: 10% at contract signing.

17. 2025-04-14
    listed $155,500 Active 1948-char remark

    Show marketing remark (1948 chars)

    **Back On The Market With A Refresh!** Welcome home to this bright, inviting 1-bedroom, 1-bathroom co-op in a well-maintained building. This charming freshly painted unit features brand new vinyl plank flooring throughout the living spaces, newly installed LED lighting in the living / dining room, natural light, and Wi-Fi-enabled light switches. The open floor plan between kitchen, living, and dining area provides the perfect layout for relaxing or entertaining. A conveniently updated walk-through kitchen offers newly installed modern appliances, ample cabinetry, and a kitchen island ideal to pair with comfortable bar stool seating. The bedroom is well-sized and features custom closets from The Container Store, providing great storage options while the updated bathroom adds a fresh touch. The cooperative has on-site laundry facilities, a private exercise room, secure basement storage for both personal belongings and bikes, on-site parking (additional monthly cost), a community room available for private rentals and two beautifully landscaped private picnic areas equipped with BBQ grills and seating for residents to lounge and enjoy. Conveniently located near Metro-North, highways, shops, dining, and parks, this home offers easy access to all that New Rochelle has to offer. Sale includes 3 months usage of a dedicated parking spot located in a lot right next door. Please ask about co-op requirements. Subleasing permitted after 2 years (subject to board approval). Monthly Maintenance Includes ALL Utilities (electricity, gas, heat, and hot water). Additional charge of $30/month for each Air Conditioner unit installed (optional). STAR Credit available. Co-op Requirements: Minimum credit score: 700 (750 in some cases), housing expense-to-income ratio: Max 28%, debt-to-income ratio: Max 33%. Two years' maintenance as minimum cash reserves, maximum loan-to-value ratio: 80%, minimum down payment: 10% at contract signing.

18. 2015-11-13
    price $105,500 456-char remark

    Show marketing remark (456 chars)

    Mint Condition----Top to Bottom, high quality renovation. Maple cabinets, granite tops, stainless steel frig, dishwshr, range and micro --Brand new oversize custom shower inc. all new tile & fixtures----Crown/base moldings, recessed lites, all new doors. Assigned parking available nearby. Monthly charges INCLUDE electric, heat and hot water. NO CON ED BILL!!! Co-op is building a new outdoor parking lot for shareholders right on White Oak Street.

19. 2015-11-13
    soldstatus $105,500 Sold 456-char remark

    Show marketing remark (456 chars)

    Mint Condition----Top to Bottom, high quality renovation. Maple cabinets, granite tops, stainless steel frig, dishwshr, range and micro --Brand new oversize custom shower inc. all new tile & fixtures----Crown/base moldings, recessed lites, all new doors. Assigned parking available nearby. Monthly charges INCLUDE electric, heat and hot water. NO CON ED BILL!!! Co-op is building a new outdoor parking lot for shareholders right on White Oak Street.

20. 2015-11-12
    soldstatus $105,500
21. 2015-08-13
    historical Pending 456-char remark

    Show marketing remark (456 chars)

    Mint Condition----Top to Bottom, high quality renovation. Maple cabinets, granite tops, stainless steel frig, dishwshr, range and micro --Brand new oversize custom shower inc. all new tile & fixtures----Crown/base moldings, recessed lites, all new doors. Assigned parking available nearby. Monthly charges INCLUDE electric, heat and hot water. NO CON ED BILL!!! Co-op is building a new outdoor parking lot for shareholders right on White Oak Street.

22. 2015-08-13
    price $110,000 456-char remark

    Show marketing remark (456 chars)

    Mint Condition----Top to Bottom, high quality renovation. Maple cabinets, granite tops, stainless steel frig, dishwshr, range and micro --Brand new oversize custom shower inc. all new tile & fixtures----Crown/base moldings, recessed lites, all new doors. Assigned parking available nearby. Monthly charges INCLUDE electric, heat and hot water. NO CON ED BILL!!! Co-op is building a new outdoor parking lot for shareholders right on White Oak Street.

23. 2015-05-13
    listed $110,000 Active 456-char remark

    Show marketing remark (456 chars)

    Mint Condition----Top to Bottom, high quality renovation. Maple cabinets, granite tops, stainless steel frig, dishwshr, range and micro --Brand new oversize custom shower inc. all new tile & fixtures----Crown/base moldings, recessed lites, all new doors. Assigned parking available nearby. Monthly charges INCLUDE electric, heat and hot water. NO CON ED BILL!!! Co-op is building a new outdoor parking lot for shareholders right on White Oak Street.

24. 2015-05-12
    listed $110,000

ⓘ 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 9/10 Extreme FEMA zone A · 99% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 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 5/10 Major 6 unhealthy d/yr today · 8 by 30 yrs out

Taxation est. · year 1

• Rental income: $33,737
• − Mortgage interest: −$9,355
• − Property taxes: −$2,505
• − Insurance: −$2,338
• − Repairs & maintenance: −$2,699
• − Management: −$2,699
• − Depreciation: −$4,858
• Taxable income: $9,284
• Est. tax owed @ 24.0%: −$2,228
• After-tax cash flow: $9,073/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.

Schools (NCES district)

• District: New Rochelle City School District
• NCES district ID: 3620490
• Math proficiency: 63% ▲ 3.00%
• Reading proficiency: 66% ▲ 9.00%
• Median HH income: $69,165
• Composite: 56.63/100
• National rank: #1139
• State rank: #171 of 590 in NY

Livability — New Rochelle

• Score: 69/100
• State rank: #487
• US rank: #8572

Category grades

Amenities B+ Commute F Cost of living F Crime A Employment A+ Housing D+ Health & safety B+ User ratings A-

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: New Rochelle, NY
• County: Westchester County · 709,332 people
• City population: 63,657
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• Population (ZIP): 42,754
• Household income: $85,573
• Rent vs Own: 58.9% rent · 41.1% own
• Severe rent burden: 2797.0

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: Highly diverse neighborhood (Simpson 0.72)
• Race & ethnicity: Hispanic / Latino 36% White 30% Black 24% Two or more races 16% Asian 7%
• Hispanic origin (detail): Mexican 17% Puerto Rican 5% Dominican 3%
• Common ancestry: Hispanic 3% Scotch-Irish 1% Romanian 1%
• Foreign-born: 34% · Canada, Jamaica, China
• Languages at home: 54% English-only · Spanish 32% Other Indo-European 5% French/Haitian/Cajun 4%

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: ▼ -910.37%
• Current HPI: 270.8019
• Rent YoY: ▲ 1.42%
• 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
▸Consumer Goods	9	$162B
▸Insurance	4	$225B
▸Telecommunications	2	$144B
▸Pharmaceuticals	2	$112B
▸Media / Entertainment	2	$69B

Price history

+51.8% since first listed

15 events — show timeline

• 2026-04-20 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2026-04-14 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2026-03-13 Price Changed $167,000 OneKey® MLS as Distributed by MLS Grid
• 2025-12-12 Price Changed $157,500 OneKey® MLS as Distributed by MLS Grid
• 2025-10-19 Price Changed $161,500 OneKey® MLS as Distributed by MLS Grid
• 2025-08-27 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2025-08-27 Price Changed $165,000 OneKey® MLS as Distributed by MLS Grid
• 2025-04-14 Listed $155,500 OneKey® MLS as Distributed by MLS Grid
• 2015-11-13 Sold (MLS) $105,500 HGMLS
• 2015-11-13 Price Changed $105,500 HGMLS
• 2015-11-12 Sold (MLS) $105,500 OneKey® MLS as Distributed by MLS Grid
• 2015-08-13 Contingent — HGMLS
• 2015-08-13 Price Changed $110,000 HGMLS
• 2015-05-13 Listed $110,000 HGMLS
• 2015-05-12 Listed $110,000 OneKey® MLS as Distributed by MLS Grid