135 MONTGOMERY St Unit 8-E1 · Jersey City, NJ
Flood risk 9/10 · Severe
- FEMA flood zone
- AE
- Chance of flooding over 30 yrs
- 0.99%
- Est. flood insurance / yr
- $1,737 – $8,500
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $526 – $976
Heat risk 7/10 · Major
- Hot days now (above 99°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
- 5 days/yr
- Unhealthy air days in 30 yrs
- 7 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the F 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).
- ARV discount +9.5/15.0
- Schools +4.7/10.0
- Livability +3.9/5.0
- Condition / age +3.8/5.0
- Rent growth +3.4/5.0
- 1% rule +2.8/10.0
- Cash flow +1.4/30.0
- DSCR +0.0/10.0
- Appreciation +0.0/10.0
$455,000
135 MONTGOMERY St Unit 8-E1 · Jersey City, NJ 07302
1 bd · 1.0 ba · 523 sqft · Condo
· 61 Days on market
$870/sqft
· at area comps
Est $477k · at est.
$1450/mo HOA · 41% of rent
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
Welcome to 135 Montgomery Street, where Downtown Jersey City living meets exceptional convenience and iconic NYC views. This well located unit offers approximately 600 sq. ft. of total living and outdoor space, including approximately 523 sq. ft. of interior space plus a private balcony of approximately 90 sq. ft. —the perfect spot to enjoy your morning coffee, unwind after a long day, and take in the Manhattan skyline. The monthly maintenance provides excellent value and includes property taxes, electric, gas, heat, air conditioning, hot water, water, and building-related services.
Key facts
- Nyc skyline views
- Private balcony
- $1,450 HOA
Tags
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 condo listed at $455k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $-2k ($-27k/yr) — negative.
- To cash-flow at today's rent, offer at most $132k (71.0% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $353k (22.4% below list).
- Recommended offer: $132k (71.0% below list) — sets the bar for cash-flow.
- Cap rate 1.5% vs local median 2.1% in Jersey City — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.
Location & tenants
- Location reads 77/100 on livability (#116 in NJ, #2,955 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, employment A+; Watch: crime F, cost of living F.
- Jersey City Public Schools (urban): math 16% / reading 38% proficiency, ranked #369 of 472 in NJ (top 78%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 69% free/reduced lunch — lower-income household profile, screen leases tightly.
- Zoned schools: Cornelia F. Bradford School (math 72% / reading 82%, grade A, #6 of 1,303 statewide, top 1%, 962 students, 10% FRL); Middle School # 4 (math 32% / reading 54%, grade D-, #167 of 431 statewide, top 41%, 669 students, 54% FRL); James J Ferris High School (math 8% / reading 36%, grade F, #346 of 399 statewide, top 88%, 1,348 students, 59% FRL) — zoned schools average 41% FRL vs 69% district-wide (28 pts lower); this property's tenant base skews higher-income than the district average.
- Zoned-school proficiency averages 47% at this address vs 27% district-wide (+20 pts) — the actual schools serving this property are materially stronger than the Jersey City Public Schools average implies; a family-tenant draw the district grade alone would hide.
- Market conditions: Rents rising (+3.4%/yr); 612 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 42% of comp listings sitting > 30 days — soft ceiling on asking rent; high-income renter base; 5,310 units permitted in Hudson County in 2024 (4,154 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $14k of value loss. Plan a longer hold.
- Hudson County population projected at +29% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
Negotiation context
- It's been on market 61 days — a 6% lower offer ($428k) is reasonable based on typical stale-listing flexibility.
Risks & watch-outs
- Watch-outs: flood insurance adds $427/mo; HOA is 41% of rent.
- Climate carrying-cost: in FEMA flood zone AE (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
$132,158
(71.0% below list)
Questions for the listing agent
- What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
- It's been on market 61 days. Have you received any prior offers? Is the seller open to a 71% concession, seller financing, or rate buy-down credit?
- What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- 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?
- 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.
- Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
- Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
- The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
- 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 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
- 0.78% ✗
- Cap rate
- 1.53%
- Cash-on-cash
- -17.00%
- DSCR
- 0.24
- GRM
- 10.7
CMA / ARV
- ARV (median comp)
- $476,510
- List price
- $455,000
- Delta
- -4.51%
- Verdict
- FAIR
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 50 BRIGHT St Unit 1L or 101 | 0.33mi | 1/1.0 | 500 (-4%) | 3mo | $371,000 | $742 | 75 |
| 204 WASHINGTON St Unit 2A | 0.25mi | 1/1.0 | 600 (+15%) | 1mo | $515,000 | $858 | 63 |
| 122 BRIGHT St Unit 4 W | 0.52mi | 1/1.0 | 490 (-6%) | 3mo | $445,000 | $908 | 62 |
| 440 JERSEY Ave #302 | 0.38mi | 1/1.0 | 600 (+15%) | 1mo | $520,000 | $867 | 57 |
| 247 MONTGOMERY St #7 | 0.27mi | 2/1.0 (+1) | 650 (+24%) | 1mo | $480,000 | $738 | 56 |
| 21 S End Ave #528 | 1.33mi | 1/1.0 | 552 (+6%) | 3mo | $475,000 | $861 | 53 |
| 264 3RD St Unit 2R | 0.55mi | 1/1.0 | 595 (+14%) | 2mo | $459,000 | $771 | 50 |
| 227 CHRISTOPHER COLUMBUS Dr Unit 305B | 0.55mi | 1/1.0 | 617 (+18%) | 2mo | $425,000 | $689 | 47 |
| 4 BEACON Way #914 | 1.29mi | 1/1.0 | 590 (+13%) | 3mo | $299,900 | $508 | 41 |
| 274 6TH St #302 | 0.68mi | 1/1.0 | 625 (+20%) | 3mo | $545,000 | $872 | 41 |
| 63 MADISON St #6 | 1.43mi | 1/1.0 | 593 (+13%) | 4mo | $520,000 | $877 | 40 |
| 95 WILLOW Ave Unit 4B | 1.48mi | 2/1.0 (+1) | 648 (+24%) | 3mo | $592,000 | $914 | 33 |
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 · 3.42% rent growth · sell at horizon
5-year hold
- IRR
- -58.8%
- Equity multiple
- -0.67×
- Total profit
- $-213,124
- Equity at exit
- $67,842
10-year hold
- IRR
- —
- Equity multiple
- -1.81×
- Total profit
- $-357,457
- Equity at exit
- $39,340
Cash invested: $127,400 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (CITY)
- 6 Strongly Tenant-Friendly
- State New Jersey
- 21 Tenant-Leaning · D+6
- County
- — inherits STATE
- City Jersey City
- 6 Strongly Tenant-Friendly · D+34
Rent Control Ordinance covers buildings 4+ units pre-1986.
Active competition Active MLS
- For sale now
- 3 active · 3 under contract
- Median asking
- $450,000 ($879/sqft)
- Median days on market
- 35 d
- This list price
- 67% of active listings are priced below it
- ARV vs active asking
- +3.7% vs current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 07302
- Home prices YoY
- -25.1%
- Rents YoY
- 3.4%
- Active inventory
- 612
- Price-to-rent
- 10.7×
Monthly cashflow live
↻
- Estimated rent
- $3,531 high interval (Pro) →
- Mortgage (P&I)
- −$2,386
- Tax est. 1.5%
- −$569 /mo · $6,825/yr
- Insurance
- −$190
- Flood insurance flood zone
- −$427 /mo · $5,118/yr
- HOA
- −$1,450
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$742
- Net cashflow
- $-2,231
Break-even live
Break-even rent
$6,356
Max offer price
$132,158
Occupancy floor
—
Sensitivity live
| Price | -10% $-1,917 | -5% $-2,074 | +0% $-2,231 | +5% $-2,388 | +10% $-2,546 |
|---|---|---|---|---|---|
| Rent | -10% $-2,510 | -5% $-2,371 | +0% $-2,231 | +5% $-2,092 | +10% $-1,952 |
| Rate | -1.0pp $-2,002 | -0.5pp $-2,115 | base $-2,231 | +0.5pp $-2,349 | +1.0pp $-2,469 |
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
- $113,750
- Closing costs
- $13,650
- 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 |
|---|---|---|---|---|---|---|---|---|
| 255 Warren St Jersey City, NJ | 2.0 | 1.0–2.0 | 807 | $4,030 | $4.99 | 0d | 8 | 0.07mi |
| 280 Marin Blvd Jersey City, NJ | 1.0–2.0 | 1.0–2.0 | 907 | $3,000 | $3.31 | 3d | 2 | 0.07mi |
| 280 Marin Blvd Jersey City, NJ | 1.0–2.0 | 1.0–2.0 | 800 | $2,350 | $2.94 | 84d | 2 | 0.07mi |
| 241 Marin Blvd Jersey City, NJ | 1.0 | 1.0 | 552 | $3,000 | $5.43 | 120d | 1 | 0.11mi |
| 145 Grand St #3 Jersey City, NJ | 1.0 | 1.0 | 750 | $3,300 | $4.40 | 18d | 1 | 0.12mi |
| 120 York St Jersey City, NJ | 1.0–2.0 | 1.0–2.0 | 908 | $3,918 | $4.31 | 0d | 5 | 0.13mi |
| 25 Columbus Dr Jersey City, NJ | 3.0 | 1.0–2.5 | 927 | $6,560 | $7.07 | 0d | 45 | 0.14mi |
| 25 Columbus Dr Jersey City, NJ | 3.0 | 1.0–2.0 | 938 | $9,253 | $9.86 | 78d | 1 | 0.14mi |
| 146 Sussex St Unit 1 Jersey City, NJ | 1.0 | 1.0 | 750 | $3,100 | $4.13 | 33d | 1 | 0.14mi |
| 142 Sussex St #3 Jersey City, NJ | 1.0 | 1.0 | 668 | $3,250 | $4.87 | 97d | 1 | 0.14mi |
| 201 Montgomery St Jersey City, NJ | 2.0 | 1.0–2.0 | 908 | $5,088 | $5.60 | 24d | 5 | 0.15mi |
| 100 Montgomery St Jersey City, NJ | — | 1.0 | 430 | $2,778 | $6.46 | 0d | 2 | 0.16mi |
| 225 Grand St Jersey City, NJ | 2.0 | 1.0–2.0 | 893 | $4,352 | $4.87 | 0d | 20 | 0.16mi |
| 90 Columbus Dr Jersey City, NJ | 2.0 | 1.0–2.0 | 820 | $4,672 | $5.70 | 2d | 11 | 0.17mi |
| 201 Marin Blvd #1024 Jersey City, NJ | 1.0 | 1.0 | 740 | $3,650 | $4.93 | 71d | 1 | 0.19mi |
| 102 Christopher Columbus Dr #402 Jersey City, NJ | 1.0 | 1.0 | 750 | $3,999 | $5.33 | 98d | 1 | 0.19mi |
| 154 Steuben St Jersey City, NJ | 1.0 | 1.0 | 670 | $1,700 | $2.54 | 18d | 1 | 0.19mi |
| 102 Christopher Columbus Dr Jersey City, NJ | 1.0–2.0 | 1.0–2.0 | 965 | $3,500 | $3.63 | 2d | 3 | 0.19mi |
| 259 Grove St #2 Jersey City, NJ | 1.0 | 1.0 | 700 | $2,950 | $4.21 | 95d | 1 | 0.19mi |
| 321 Warren St Jersey City, NJ | — | 1.0 | 518 | $3,431 | $6.62 | 3d | 1 | 0.19mi |
| 222 Montgomery St Unit 1D Jersey City, NJ | 1.0 | 1.0 | 660 | $3,100 | $4.70 | 50d | 1 | 0.20mi |
| 235 Grand St Jersey City, NJ | 2.0 | 1.0–2.0 | 747 | $4,588 | $6.14 | 0d | 22 | 0.20mi |
| 247 Grove St Unit 2 Jersey City, NJ | 1.0 | 1.0 | 600 | $2,600 | $4.33 | 50d | 1 | 0.21mi |
| 247 Grove St #4 Jersey City, NJ | 1.0 | 1.0 | 650 | $2,800 | $4.31 | 29d | 1 | 0.21mi |
| 112 Morris St #2 Jersey City, NJ | 1.0 | 1.0 | 451 | $2,600 | $5.76 | 0d | 1 | 0.21mi |
| 116 Morris St Apt 3 Jersey City, NJ | 1.0 | 1.0 | 650 | $3,000 | $4.62 | 24d | 1 | 0.22mi |
| 198 Van Vorst St Jersey City, NJ | 2.0 | 1.0–2.0 | 932 | $4,378 | $4.69 | 3d | 4 | 0.22mi |
| 160 Morgan St Jersey City, NJ | 3.0 | 1.0–2.0 | 993 | $4,353 | $4.38 | 0d | 24 | 0.24mi |
| 155 Bay St Unit R-3102 Jersey City, NJ | 1.0 | 1.0 | 725 | $4,400 | $6.07 | 108d | 1 | 0.24mi |
| 112 Christopher Columbus Dr Unit 3206 Jersey City, NJ | 1.0 | 1.0 | 709 | $4,000 | $5.64 | 120d | 1 | 0.24mi |
| 215 Grove St Jersey City, NJ | 2.0 | 1.0–2.0 | 746 | $4,434 | $5.94 | 0d | 5 | 0.25mi |
| 18 Bright St Unit D Jersey City, NJ | 1.0 | 1.0 | 750 | $2,750 | $3.67 | 98d | 1 | 0.25mi |
| 10 Provost St Jersey City, NJ | 1.0–2.0 | 1.0 | 729 | $3,300 | $4.52 | 6d | 3 | 0.26mi |
| 10 Provost St Jersey City, NJ | 1.0–2.0 | 1.0 | 730 | $3,800 | $5.20 | 113d | 2 | 0.26mi |
| 115 Morris St Jersey City, NJ | 1.0–2.0 | 1.0–2.0 | 982 | $3,715 | $3.78 | 0d | 12 | 0.26mi |
| 18 Park View Ave Jersey City, NJ | 2.0 | 1.0–2.0 | 748 | $4,110 | $5.49 | 0d | 18 | 0.26mi |
| 247 Montgomery St #6 Jersey City, NJ | 2.0 | 1.0 | 700 | $3,200 | $4.57 | 97d | 1 | 0.26mi |
| 247 Montgomery St #7 Jersey City, NJ | 2.0 | 1.0 | 650 | $3,500 | $5.38 | 28d | 1 | 0.26mi |
| 195 Bay St #2 Jersey City, NJ | 1.0 | 1.0 | 600 | $3,500 | $5.83 | 67d | 1 | 0.26mi |
| 204 Washington St Unit 3B Jersey City, NJ | 1.0 | 1.0 | 606 | $3,250 | $5.36 | 55d | 1 | 0.27mi |
Property features AI
Finance
- Other
- Common building amenities include elevator, shops on premises, washer/dryer room
- HOA & community
- Monthly maintenance fee of $1,450Maintenance includes taxes, heat, water, gas, electric, hot water and air conditioningHOA includes taxes, internet, cable, maintenance, water, gas and electricity
Exterior
- Parking
- Other (see remarks)
- Security
- DoormanBuilding securityIntercom
- Utilities
- Building provides water and gasElectricity included in HOAHot water and heat included in HOAAir conditioning included in HOA
- Home design
- Condo unit in Montgomery TowersLocated between Warren and Marin BlvdDowntown Jersey City area
- Construction
- Brick construction
- Exterior features
- Brick exteriorTerraceNew York viewNear train, bus, PATHClose to shopping, parks, and schoolsPets allowed
Interior
- Kitchen
- One kitchen (level 1) — includes dishwasher, microwave, refrigerator, gas oven/range
- Bedrooms
- 1 bedroom on level 1
- Flooring
- Hardwood floors
- Bathrooms
- 1 full bathroom (level 1)
- Heating & cooling
- Central A/C
- Interior features
- DishwasherMicrowaveRefrigeratorGas oven/rangeIntercomTerraceHardwood floorsCentral A/C
- Laundry & utility
- Washer/dryer room in building
HOA detail $1,450/mo · $17,400/yr condo
- Likely covers
- watergaselectric
- Assessments
- None detected in remarks — confirm with the listing agent.
Listing history 49 events
-
2026-08-12days on market $455,000 Active 61 DOM
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2026-08-11days on market $455,000 Active 60 DOM
-
2026-08-10remarks 687-char remark
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2026-08-10days on market $455,000 Active 59 DOM
-
2026-08-09days on market $455,000 Active 58 DOM
-
2026-08-08days on market $455,000 Active 57 DOM
-
2026-08-06days on market $455,000 Active 55 DOM
-
2026-08-05days on market $455,000 Active 54 DOM
-
2026-08-04days on market $455,000 Active 53 DOM
-
2026-08-03days on market $455,000 Active 52 DOM
-
2026-07-31days on market $455,000 Active 49 DOM
-
2026-07-28days on market $455,000 Active 46 DOM
-
2026-07-26days on market $455,000 Active 44 DOM
-
2026-07-24days on market $455,000 Active 42 DOM
-
2026-07-23days on market $455,000 Active 41 DOM
-
2026-07-22days on market $455,000 Active 40 DOM
-
2026-07-21days on market $455,000 Active 39 DOM
-
2026-07-20days on market $455,000 Active 38 DOM
-
2026-07-18days on market $455,000 Active 36 DOM
-
2026-07-18days on market $455,000 Active 35 DOM
-
2026-07-16days on market $455,000 Active 34 DOM
-
2026-07-15days on market $455,000 Active 33 DOM
-
2026-07-14days on market $455,000 Active 32 DOM
-
2026-07-13days on market $455,000 Active 31 DOM
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2026-07-13days on market $455,000 Active 30 DOM
-
2026-07-11days on market $455,000 Active 29 DOM
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2026-07-10days on market $455,000 Active 28 DOM
-
2026-07-09days on market $455,000 Active 27 DOM
-
2026-07-07days on market $455,000 Active 25 DOM
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2026-07-06days on market $455,000 Active 24 DOM
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2026-07-06days on market $455,000 Active 23 DOM
-
2026-07-05days on market $455,000 Active 22 DOM
-
2026-07-03days on market $455,000 Active 21 DOM
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2026-07-02days on market $455,000 Active 20 DOM
-
2026-07-01days on market $455,000 Active 19 DOM
-
2026-06-30days on market $455,000 Active 18 DOM
-
2026-06-29days on market $455,000 Active 17 DOM
-
2026-06-28days on market $455,000 Active 16 DOM
-
2026-06-27days on market $455,000 Active 15 DOM
-
2026-06-26days on market $455,000 Active 14 DOM
-
2026-06-24days on market $455,000 Active 12 DOM
-
2026-06-22days on market $455,000 Active 10 DOM
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2026-06-21days on market $455,000 Active 9 DOM
-
2026-06-18days on market $455,000 Active 6 DOM
-
2026-06-17days on market $455,000 Active 5 DOM
-
2026-06-16days on market $455,000 Active 4 DOM
-
2026-06-15days on market $455,000 Active 3 DOM
-
2026-06-13remarks 686-char remark
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2026-06-13$455,000 Active 1 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 9/10 Extreme FEMA zone AE · 99% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 7/10 Severe 7 d/yr ≥99°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 5 unhealthy d/yr today · 7 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
- $42,378
- − Mortgage interest
- −$25,487
- − Property taxes
- −$6,825
- − Insurance
- −$7,394
- − Repairs & maintenance
- −$3,390
- − Management
- −$3,390
- − HOA
- −$17,400
- − Depreciation
- −$13,236
- Taxable loss
- −$34,745
combined federal + state — saved on this device
- Est. tax savings @ 24.0%
- +$8,339
- After-tax cash flow
- $-18,434/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 · 12 photos
75/100
Cosmetic rehab
Est. rehab $2,615–$7,845 screening
This well-maintained, modern apartment in Jersey City offers a great balance of style and functionality, with a prime location and stunning views.
Value-add opportunities
- Both update flooring to hardwood — enhances aesthetic and value ↑
- Both install smart home devices — improves convenience and marketability ↑
ⓘ Rehab cost is a screening estimate — Cosmetic 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.
F
Composite school gradezoned avg 47/100
Zoned Schools
Elementary
Cornelia F. Bradford School
A
NJ #6/1,303
Nat'l #1,658/41,679
Middle
Middle School # 4
D-
NJ #167/431
Nat'l #5,160/14,009
High
James J Ferris High School
F
NJ #346/399
Nat'l #13,673/17,239
Schools (NCES district)
- District
- Jersey City Public Schools
- NCES district ID
- 3407830
- Math proficiency
- 16% ▼ -17.00%
- Reading proficiency
- 38% ▼ -11.00%
- Median HH income
- $58,431
- Composite
- 24.43/100
- National rank
- #7678
- State rank
- #369 of 472 in NJ
B
Composite livability gradescore 77/100
Livability — Jersey City
- Score
- 77/100
- State rank
- #116
- US rank
- #2955
Category grades
Amenities A+
Commute A+
Cost of living F
Crime F
Employment A+
Housing A-
Health & safety A-
User ratings A-
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Jersey City, NJ
- County
- Hudson County · 771,834 people
- City population
- 294,078
- Metro
- New York-Newark-Jersey City, NY-NJ-PA
- Population (ZIP)
- 56,220
- Household income
- $175,077
- Rent vs Own
- Severe rent burden
- 5% of renters
Population outlook (Hudson County) Hauer SSP2
- Today (2025)
- 771,834 people
- By 2030
- 818,028 · +6.0%
- By 2040
- 907,866 · +17.6%
- By 2050
- 994,480 · +28.8%
- By 2075
- 1,163,301 · +50.7%
- By 2100
- 1,254,703 · +62.6%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Highly diverse neighborhood (Simpson 0.70)
- Race & ethnicity
- White 39% Asian 34% Hispanic / Latino 15% Two or more races 11% Black 7%
- Hispanic origin (detail)
- Mexican 1% Puerto Rican 5% Dominican 2%
- Common ancestry
- Romanian 4% Scotch-Irish 2% Lithuanian 2%
- Foreign-born
- 40% · China, Canada, South Korea
- Languages at home
- 55% English-only · Other Indo-European 14% Spanish 10% Chinese 9%
Political lean MEDSL · Hudson
- 2024 margin
- Strong D (+28.1) · D 62.6% · R 34.6% · Other 2.8%
- 2008→2024 swing
- -18.7pp toward R · 2008: 46.7pp · 2024: 28.1pp
- All cycles
- 2024: D+28.1 2020: D+46.2 2016: D+51.8 2012: D+55.7 2008: D+46.7
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -160.49%
- Current HPI
- 479.7768
- Rent YoY
- ▲ 3.42%
- Metro
- New York-Newark-Jersey City, NY-NJ-PA
- State GDP YoY
- ▲ 2.05%
- F500 in state
- 34
Industry mix (Fortune 500 HQ in NJ)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Consumer Goods | 3 | $31B |
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| Pharmaceuticals | 2 | $153B |
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| Technology | 2 | $21B |
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| Insurance | 2 | $20B |
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| Healthcare | 2 | $19B |
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| Financial Services | 1 | $70B |
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Price history
1 event — show timeline
- 2026-06-12 Listed $455,000 HCMLS
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…