16 N Broadway Unit 3E · 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
- $473 – $860
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 C+ 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 +24.9/30.0
- DSCR +8.1/10.0
- 1% rule +6.5/10.0
- Appreciation +6.3/10.0
- Schools +4.7/10.0
- Rent growth +3.7/5.0
- Livability +3.6/5.0
- ARV discount +3.2/15.0
- Condition / age +2.5/5.0
$265,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Welcome home to this light and bright, spacious JUNIOR 4 at the desirable Bradford House. Junior 4 means that besides the bedroom, there is an extra room which could be used anyway you like! Could be a formal dining room, guest room, a home office, home gym, etc. This tastefully renovated residence offers a beautifully updated eat-in-kitchen with a breakfast bar and all stainless steel appliances and stone countertops. The bathroom also has been renovated beautifully! The primary bedroom is massive and the junior 4 layout has been known to be used as a two bedroom. Updated flooring and lighting throughout! Need closet space? This unit features so much closet space! Looking for a building that has garage parking and is lojcated within the vibrant downtown area of White Plains near the Post Rd. Look no further! Absolutely move in ready! Hardwood flooring is under the new vinyl flooring. Garage parking is included ( waitlist ) A highlight of this unit is the expansive primary bedroom, plus an additional room off the kitchen that could be used as a guest room/ dining room/ den/ home gym or office. Many have also chosen to use the large foyer as a dining area which will double the space of the living room or use the extra room off the kitchen for a dining room. There are the original hardwood floors underneath the updated flooring. This lovely 1BR + home is immaculate and move in ready! Waiting list for garage spot - ADA access at the rear entrance by the garage. While waiting for the garage spot there is available across the street and at at Hamilton/Main Garage. Optional storage area available for $50.00 a month. Non refundable Application fee/ $550.00 + $175.00 fee for each additional applicant. DTI: 28% /30% Minimum credit score of 700. Maximum 2 cats. No dogs permitted.
Key facts
- Large foyer
- Garage
- Built 1954
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 1-bed/1.0-bath condo listed at $265k.
Deal economics
- At list price, monthly cash flow is $566 ($7k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($3k rent vs $265k).
- Recommended offer: $233k (12.0% below list) — sets the bar for market timing.
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 (+4.8%/yr); 87 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 954 units permitted in Westchester County in 2024 (649 in 5+ unit buildings).
Forward outlook
- In year one you build about $9k of equity ($2k loan paydown + $7k appreciation (2.7% local appreciation)).
- Westchester County population projected at +10% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
- At projected returns (2.7% appreciation + 4.8% rent growth), your $74k cash investment doubles in ~5 years — after that, you're playing with house money.
- By year 4, paydown + projected appreciation supports a ~$31k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.
Negotiation context
- It's been on market 198 days — a 12% lower offer ($233k) is reasonable based on typical stale-listing flexibility.
- 6 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 $180k; 47% above their basis — modest negotiation headroom, anchor on the comps not their cost.
Risks & watch-outs
- Watch-outs: built in 1954 — expect roof / HVAC / electrical / plumbing capex.
- 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.
Questions for the listing agent
- It's been on market 198 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- Built in 1954 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- 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.
- 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
- 1.15% ✓
- Cap rate
- 8.86%
- Cash-on-cash
- 9.16%
- DSCR
- 1.41
- GRM
- 7.3
CMA / ARV
- ARV (median comp)
- $241,706
- List price
- $265,000
- Delta
- 9.64%
- Verdict
- FAIR
- Comps
- 20 within 1.0 mi
Projected returns pro-forma
2.69% appreciation · 4.82% rent growth · sell at horizon
- IRR
- 16.5%
- Equity multiple
- 1.94×
- Total profit
- $69,434
- Equity at exit
- $114,615
- IRR
- 19.3%
- Equity multiple
- 3.84×
- Total profit
- $210,980
- Equity at exit
- $173,183
Cash invested: $74,200 (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
ZIP-level market 10601
- Home prices YoY
- 1.6%
- Rents YoY
- 4.8%
- Active inventory
- 87
- Price-to-rent
- 7.3×
Monthly cashflow live
- Estimated rent
- $3,035 high interval (Pro) →
- Mortgage (P&I)
- −$1,390
- Tax est. 1.5%
- −$331 /mo · $3,975/yr
- Insurance
- −$110
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$637
- Net cashflow
- $566
Break-even live
Sensitivity live
| Price | -10% $750 | -5% $658 | +0% $566 | +5% $475 | +10% $383 |
|---|---|---|---|---|---|
| Rent | -10% $327 | -5% $447 | +0% $566 | +5% $686 | +10% $806 |
| Rate | -1.0pp $700 | -0.5pp $634 | base $566 | +0.5pp $498 | +1.0pp $428 |
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
- $66,250
- Closing costs
- $7,950
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- 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 |
|---|---|---|---|---|---|---|---|---|
| 300 Main St White Plains, NY | 1.0 | 1.0 | 956 | $2,825 | $2.95 | 23d | 2 | 0.09mi |
| 312 Main St Apt 2 E White Plains, NY | 1.0 | 1.0 | 800 | $2,450 | $3.06 | 14d | 1 | 0.09mi |
| 1 S Broadway Unit 4M White Plains, NY | — | 1.0 | 600 | $2,207 | $3.68 | 45d | 1 | 0.11mi |
| 440 Hamilton Ave White Plains, NY | 2.0 | 1.0–2.0 | 880 | $4,078 | $4.63 | 0d | 29 | 0.11mi |
| 1 S Broadway Apt 1L White Plains, NY | 2.0 | 1.0 | 1000 | $2,950 | $2.95 | 45d | 1 | 0.12mi |
| 1 Franklin Ave Unit 4DD White Plains, NY | — | 1.0 | 550 | $1,950 | $3.55 | 6d | 1 | 0.12mi |
| 7-11 S Broadway White Plains, NY | 1.0 | 1.0 | 746 | $3,295 | $4.42 | 14d | 1 | 0.13mi |
| 7 Lake St Unit 8k White Plains, NY | 2.0 | 1.0 | 975 | $3,150 | $3.23 | 46d | 1 | 0.14mi |
| 30 Lake St Apt 2I White Plains, NY | 2.0 | 1.0 | 950 | $3,100 | $3.26 | 6d | 1 | 0.17mi |
| 21 Lake St Unit 6G White Plains, NY | 1.0 | 1.0 | 806 | $2,650 | $3.29 | 45d | 1 | 0.18mi |
| 37 Lake St White Plains, NY | 1.0–2.0 | 1.0 | 685 | $2,580 | $3.76 | 45d | 1 | 0.18mi |
| 42 Barker Ave Unit 4C White Plains, NY | 1.0 | 1.0 | 800 | $2,300 | $2.88 | 45d | 1 | 0.20mi |
| 10 City Pl Unit 2D White Plains, NY | 1.0 | 1.5 | 1069 | $3,895 | $3.64 | 17d | 1 | 0.21mi |
| 37 Lake St Unit 2B White Plains, NY | 2.0 | 1.0 | 721 | $3,140 | $4.36 | 22d | 1 | 0.25mi |
| 210 Martine Ave Unit 5G White Plains, NY | — | 1.0 | 550 | $2,150 | $3.91 | 20d | 1 | 0.26mi |
| 17 Terrace Ave White Plains, NY | 2.0 | 1.0 | 980 | $3,500 | $3.57 | 26d | 1 | 0.28mi |
| 1 Renaissance Sq Unit 7B White Plains, NY | 1.0 | 1.5 | 1048 | $5,500 | $5.25 | 45d | 1 | 0.28mi |
| 51 S Broadway White Plains, NY | 1.0 | 1.0 | 752 | $3,342 | $4.44 | 4d | 2 | 0.30mi |
| 27 Barker Ave White Plains, NY | 2.0 | 1.0–2.0 | 1131 | $4,144 | $3.66 | 0d | 18 | 0.32mi |
| 131 Mamaroneck Ave White Plains, NY | 3.0 | 1.0–2.0 | 974 | $3,900 | $4.00 | 0d | 17 | 0.34mi |
| 1 Lyon Pl Unit 509 White Plains, NY | 1.0 | 1.0 | 668 | $2,980 | $4.46 | 4d | 1 | 0.39mi |
| 1 Lyon Pl Unit 907 White Plains, NY | 2.0 | 2.0 | 1120 | $4,555 | $4.07 | 4d | 1 | 0.39mi |
| 10 Lyon Pl White Plains, NY | 2.0 | 1.0–2.0 | 870 | $3,405 | $3.91 | 45d | 17 | 0.41mi |
| 100 Hale Ave White Plains, NY | 2.0 | 1.0–2.0 | 908 | $3,993 | $4.40 | 0d | 11 | 0.42mi |
| 1 DeKalb Ave White Plains, NY | 1.0 | 1.0 | 749 | $3,390 | $4.53 | 45d | 1 | 0.45mi |
| 108 N Kensico AVE Unit 5A | 2.0 | 1.5 | 950 | $3,400 | $3.58 | 26d | 1 | 0.50mi |
| 26 Hillside Ter Unit F White Plains, NY | 1.0 | 1.0 | 782 | $2,700 | $3.45 | 45d | 1 | 0.51mi |
| 25 N Lexington Ave White Plains, NY | 3.0 | 1.0–2.0 | 988 | $4,327 | $4.38 | 0d | 26 | 0.56mi |
| 125 Lake St Unit 6BN White Plains, NY | 2.0 | 2.0 | 975 | $3,050 | $3.13 | 46d | 1 | 0.59mi |
| 125 Lake St Unit 12NN White Plains, NY | 2.0 | 1.0 | 850 | $2,700 | $3.18 | 45d | 1 | 0.59mi |
| 250 Mamaroneck Ave White Plains, NY | 1.0–3.0 | 1.0–2.5 | 1298 | $3,389 | $2.61 | 0d | 122 | 0.59mi |
| 4 Martine Ave White Plains, NY | 1.0 | 1.0–1.5 | 773 | $3,025 | $3.91 | 20d | 2 | 0.60mi |
| 4 Martine Ave White Plains, NY | 1.0 | 1.0–1.5 | 773 | $2,850 | $3.69 | 14d | 2 | 0.60mi |
| 4 Martine Ave White Plains, NY | 1.0 | 1.0 | 707 | $2,750 | $3.89 | 4d | 1 | 0.60mi |
| 4 Martine Ave White Plains, NY | 1.0 | 1.0–1.5 | 773 | $2,900 | $3.75 | 45d | 2 | 0.60mi |
| 1 Martine Ave White Plains, NY | 1.0–2.0 | 1.0–2.0 | 780 | $2,850 | $3.65 | 0d | 10 | 0.62mi |
| 50 Dekalb Ave Unit N4F White Plains, NY | 1.0 | 1.0 | 1000 | $3,100 | $3.10 | 22d | 1 | 0.63mi |
| 15 Bank St White Plains, NY | 1.0–2.0 | 1.0–2.0 | 934 | $2,674 | $2.86 | 0d | 19 | 0.65mi |
| 55 Bank St White Plains, NY | 2.0 | 1.0–2.0 | 813 | $3,878 | $4.77 | 0d | 23 | 0.72mi |
| 57 Bank St Unit 1040035P White Plains, NY | 2.0 | 1.0–2.0 | 726 | $7,940 | $10.94 | 4d | 3 | 0.72mi |
HOA detail condo
- Monthly dues
- $0 · $0/yr
- Likely covers
- gym
- Assessments
- None detected in remarks — confirm with the listing agent.
Listing history 21 events
-
2026-06-02status $265,000 Pending 198 DOM
-
2026-06-01days on market $265,000 Active 198 DOM
-
2026-05-31days on market $265,000 Active 197 DOM
-
2026-01-29price $265,000 1809-char remark
Show marketing remark (1809 chars)
Welcome home to this light and bright, spacious JUNIOR 4 at the desirable Bradford House. Junior 4 means that besides the bedroom, there is an extra room which could be used anyway you like! Could be a formal dining room, guest room, a home office, home gym, etc. This tastefully renovated residence offers a beautifully updated eat-in-kitchen with a breakfast bar and all stainless steel appliances and stone countertops. The bathroom also has been renovated beautifully! The primary bedroom is massive and the junior 4 layout has been known to be used as a two bedroom. Updated flooring and lighting throughout! Need closet space? This unit features so much closet space! Looking for a building that has garage parking and is lojcated within the vibrant downtown area of White Plains near the Post Rd. Look no further! Absolutely move in ready! Hardwood flooring is under the new vinyl flooring. Garage parking is included ( waitlist ) A highlight of this unit is the expansive primary bedroom, plus an additional room off the kitchen that could be used as a guest room/ dining room/ den/ home gym or office. Many have also chosen to use the large foyer as a dining area which will double the space of the living room or use the extra room off the kitchen for a dining room. There are the original hardwood floors underneath the updated flooring. This lovely 1BR + home is immaculate and move in ready! Waiting list for garage spot - ADA access at the rear entrance by the garage. While waiting for the garage spot there is available across the street and at at Hamilton/Main Garage. Optional storage area available for $50.00 a month. Non refundable Application fee/ $550.00 + $175.00 fee for each additional applicant. DTI: 28% /30% Minimum credit score of 700. Maximum 2 cats. No dogs permitted.
-
2025-11-15$270,000 Active 1809-char remark
Show marketing remark (1809 chars)
Welcome home to this light and bright, spacious JUNIOR 4 at the desirable Bradford House. Junior 4 means that besides the bedroom, there is an extra room which could be used anyway you like! Could be a formal dining room, guest room, a home office, home gym, etc. This tastefully renovated residence offers a beautifully updated eat-in-kitchen with a breakfast bar and all stainless steel appliances and stone countertops. The bathroom also has been renovated beautifully! The primary bedroom is massive and the junior 4 layout has been known to be used as a two bedroom. Updated flooring and lighting throughout! Need closet space? This unit features so much closet space! Looking for a building that has garage parking and is lojcated within the vibrant downtown area of White Plains near the Post Rd. Look no further! Absolutely move in ready! Hardwood flooring is under the new vinyl flooring. Garage parking is included ( waitlist ) A highlight of this unit is the expansive primary bedroom, plus an additional room off the kitchen that could be used as a guest room/ dining room/ den/ home gym or office. Many have also chosen to use the large foyer as a dining area which will double the space of the living room or use the extra room off the kitchen for a dining room. There are the original hardwood floors underneath the updated flooring. This lovely 1BR + home is immaculate and move in ready! Waiting list for garage spot - ADA access at the rear entrance by the garage. While waiting for the garage spot there is available across the street and at at Hamilton/Main Garage. Optional storage area available for $50.00 a month. Non refundable Application fee/ $550.00 + $175.00 fee for each additional applicant. DTI: 28% /30% Minimum credit score of 700. Maximum 2 cats. No dogs permitted.
-
2023-04-04soldstatus $180,000 Closed 1008-char remark
Show marketing remark (1008 chars)
Welcome home to this light and bright spacious junior 4, walking distance to downtown White Plains. Convenience abounds at the Bradford House—walk to train/bus, shops, restaurants, and close drive to several highways. Upon entry, the large foyer ushers you into the tastefully decorated living room and dining area. In addition to the generous-sized primary bedroom, off the kitchen is an additional sun-filled room that can be used as a work-from-home office, 2nd bedroom, or den. Hardwood floors and great closet space (5 closets)! Clean and well-lit laundry room on 1st floor of building. For those who enjoy the outdoors, stroll to the nearby White Plains Farmer’s Market on Wednesdays for fresh produce and other goodies or along the Bronx River Parkway Trail. Another option is to bike on the Bronx River Parkway on Sundays in the spring and fall or set out from your door for a ride to Kensico Damn. Leave the car at home. Additional Information: Amenities:Windowed Bath,Windowed Kitchen,
-
2023-01-04status Pending 1008-char remark
Show marketing remark (1008 chars)
Welcome home to this light and bright spacious junior 4, walking distance to downtown White Plains. Convenience abounds at the Bradford House—walk to train/bus, shops, restaurants, and close drive to several highways. Upon entry, the large foyer ushers you into the tastefully decorated living room and dining area. In addition to the generous-sized primary bedroom, off the kitchen is an additional sun-filled room that can be used as a work-from-home office, 2nd bedroom, or den. Hardwood floors and great closet space (5 closets)! Clean and well-lit laundry room on 1st floor of building. For those who enjoy the outdoors, stroll to the nearby White Plains Farmer’s Market on Wednesdays for fresh produce and other goodies or along the Bronx River Parkway Trail. Another option is to bike on the Bronx River Parkway on Sundays in the spring and fall or set out from your door for a ride to Kensico Damn. Leave the car at home. Additional Information: Amenities:Windowed Bath,Windowed Kitchen,
-
2022-11-08price $175,000 1008-char remark
Show marketing remark (1008 chars)
Welcome home to this light and bright spacious junior 4, walking distance to downtown White Plains. Convenience abounds at the Bradford House—walk to train/bus, shops, restaurants, and close drive to several highways. Upon entry, the large foyer ushers you into the tastefully decorated living room and dining area. In addition to the generous-sized primary bedroom, off the kitchen is an additional sun-filled room that can be used as a work-from-home office, 2nd bedroom, or den. Hardwood floors and great closet space (5 closets)! Clean and well-lit laundry room on 1st floor of building. For those who enjoy the outdoors, stroll to the nearby White Plains Farmer’s Market on Wednesdays for fresh produce and other goodies or along the Bronx River Parkway Trail. Another option is to bike on the Bronx River Parkway on Sundays in the spring and fall or set out from your door for a ride to Kensico Damn. Leave the car at home. Additional Information: Amenities:Windowed Bath,Windowed Kitchen,
-
2022-10-21$182,000 Active 1008-char remark
Show marketing remark (1008 chars)
Welcome home to this light and bright spacious junior 4, walking distance to downtown White Plains. Convenience abounds at the Bradford House—walk to train/bus, shops, restaurants, and close drive to several highways. Upon entry, the large foyer ushers you into the tastefully decorated living room and dining area. In addition to the generous-sized primary bedroom, off the kitchen is an additional sun-filled room that can be used as a work-from-home office, 2nd bedroom, or den. Hardwood floors and great closet space (5 closets)! Clean and well-lit laundry room on 1st floor of building. For those who enjoy the outdoors, stroll to the nearby White Plains Farmer’s Market on Wednesdays for fresh produce and other goodies or along the Bronx River Parkway Trail. Another option is to bike on the Bronx River Parkway on Sundays in the spring and fall or set out from your door for a ride to Kensico Damn. Leave the car at home. Additional Information: Amenities:Windowed Bath,Windowed Kitchen,
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2018-03-19soldstatus $173,000 Sold
-
2017-12-21historical Pending
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2017-12-06$173,000 Active
-
2014-01-27price $155,000
-
2008-10-10soldstatus $200,000
-
2008-10-10historical
-
2008-07-18historical
-
2008-07-18$200,000
-
2008-06-04
-
2005-02-14soldstatus $165,501
-
2004-12-14historical
-
2004-11-12$165,501
ⓘ 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
- $36,422
- − Mortgage interest
- −$14,844
- − Property taxes
- −$3,975
- − Insurance
- −$1,325
- − Repairs & maintenance
- −$2,914
- − Management
- −$2,914
- − Depreciation
- −$7,709
- Taxable income
- $2,741
- Est. tax owed @ 24.0%
- −$658
- After-tax cash flow
- $6,139/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
- 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
Livability — White Plains
- Score
- 71/100
- State rank
- #410
- US rank
- #6801
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- White Plains, NY
- County
- Westchester County · 709,332 people
- City population
- 61,281
- Metro
- New York-Newark-Jersey City, NY-NJ-PA
- Population (ZIP)
- 11,930
- Household income
- $85,859
- Rent vs Own
- Severe rent burden
- 944.0
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
- Diverse neighborhood (Simpson 0.70)
- Race & ethnicity
- White 43% Hispanic / Latino 28% Black 14% Asian 12% Two or more races 7% Native American 1%
- Hispanic origin (detail)
- Mexican 8% Puerto Rican 3% Dominican 7%
- Common ancestry
- Romanian 5% Hispanic 3% Scotch-Irish 2%
- Foreign-born
- 33% · Canada, China, Jamaica
- Languages at home
- 55% English-only · Spanish 26% Other Indo-European 7% 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
- ▲ 2.69%
- Current HPI
- 170.1993
- Rent YoY
- ▲ 4.82%
- 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
+60.1% since first listed18 events — show timeline
- 2026-01-29 Price Changed $265,000 OneKey® MLS as Distributed by MLS Grid
- 2025-11-15 Listed $270,000 OneKey® MLS as Distributed by MLS Grid
- 2023-04-04 Sold (MLS) $180,000 OneKey® MLS as Distributed by MLS Grid
- 2023-01-04 Pending — OneKey® MLS as Distributed by MLS Grid
- 2022-11-08 Price Changed $175,000 OneKey® MLS as Distributed by MLS Grid
- 2022-10-21 Listed $182,000 OneKey® MLS as Distributed by MLS Grid
- 2018-03-19 Sold (MLS) $173,000 OneKey® MLS as Distributed by MLS Grid
- 2017-12-21 Contingent — OneKey® MLS as Distributed by MLS Grid
- 2017-12-06 Listed $173,000 OneKey® MLS as Distributed by MLS Grid
- 2014-01-27 Price Changed $155,000 HGMLS
- 2008-10-10 Delisted — HGMLS
- 2008-10-10 Sold (MLS) $200,000 HGMLS
- 2008-07-18 Listed $200,000 HGMLS
- 2008-07-18 Delisted — HGMLS
- 2008-06-04 Listed — HGMLS
- 2005-02-14 Sold (MLS) $165,501 HGMLS
- 2004-12-14 Delisted — HGMLS
- 2004-11-12 Listed $165,501 HGMLS
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…