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37 Fieldstone Unit B1
C+ Composite 61.66
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 +25.1/30.0
  • DSCR +8.2/10.0
  • ARV discount +8.2/15.0
  • 1% rule +6.6/10.0
  • Schools +4.9/10.0
  • Livability +3.6/5.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$310,000

37 Fieldstone Unit B1 · White Plains, NY 10530
2 bd · 1.5 ba · 1,200 sqft · Condo · 41 Days on market
Built 1959 $258/sqft · at area comps Est $315k · at est.

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Renovated two bedroom, two bath w/new kitchen and laundry in the unit. This large, two bedroom with 10 ft ceilings feels like you're living in a house. The new kitchen has granite counters, custom cabinets and stainless steel appliances. Both bathroom have been renovated as well. Do laundry when you want w/your own washer & dryer in the unit. Other features include a Large master Bedroom w/half bath, sunny living room, dining area, walk-in closets, assigned parking & hardwood floors. When it's time to enjoy the outdoors stroll over to the complex pool or BBQ outside your door & enjoy a summer of easy living. Maintenance is Prior to STAR credit. Additional Information: HeatingFuel:Oil Above Ground,

Key facts

  • Community pool
  • Built 1959
  • Listed 41 days

Property features AI

Finance

  • Other: Located on the first floor (per location description); Living area reported from public records
  • HOA & community: Association: Rex Ridge; Monthly association fee; Association covers heat, hot water, water, sewer, trash, grounds care, pool service, and snow removal; Community amenities include pool, playground, landscaping, grounds maintenance, and snow removal

Exterior

  • Parking: Private parking lot (waitlist); Parking fee required
  • Utilities: Con Edison electric service; Public sewer; Water connected; Sewer connected; Natural gas connected; Cable available; Electricity connected
  • Home design: Stock cooperative; One story; First-floor entry
  • Construction: Brick exterior
  • Exterior features: Brick construction; Outdoor space; Bicycle room; In-ground pool; Pool/Spa

Interior

  • Kitchen: Dishwasher; Gas cooktop; Gas oven; Microwave; Refrigerator; Stainless steel appliances
  • Bedrooms: Bedroom located on the first floor
  • Flooring: Hardwood floors
  • Bathrooms: 1 full bathroom; 1 half bathroom
  • Heating & cooling: Baseboard heating; No cooling
  • Interior features: First-floor bedroom; First-floor full bathroom; Galley-style kitchen; Quartz/Quartzite counters; No basement; One level; Entry on level 1; Cats allowed, dogs not allowed (limit on number of pets)
  • Laundry & utility: In-unit washer and dryer; Washer hookup; Electric dryer hookup; Laundry located in kitchen; Inside laundry

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 2-bed/1.5-bath condo listed at $310k.

Deal economics

  • At list price, monthly cash flow is $688 ($8k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($4k rent vs $310k).
  • Recommended offer: $301k (3.0% below list) — sets the bar for market timing.
  • Cap rate 9.0% 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.
  • Greenburgh Central School District (suburban): math 51% / reading 55% proficiency, ranked #267 of 590 in NY (top 45%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
  • Zoned schools: Lee F Jackson School (261 students, 41% FRL); Woodlands Middle/High School (math 62% / reading 52%, grade C, #887 of 1,100 statewide, top 82%, 681 students, 66% FRL).
  • Market conditions: 156 active listings in the ZIP; 36 comparable units currently listed for rent nearby; rentals at typical pace (median 19d on market — plan ~3-4 weeks tenant-placement turnaround); 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 $2k of loan paydown is wiped out by about $9k 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.

Negotiation context

  • It's been on market 41 days — a 3% lower offer ($301k) is reasonable based on typical stale-listing flexibility.
  • 4 sale attempts since 9y 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 $207k; 50% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

  • Watch-outs: built in 1959 — 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.
Recommended offer $300,700 (3.0% below list)

Questions for the listing agent

  1. It's been on market 41 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
  2. Built in 1959 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. 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?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. 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.
  6. 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.
  7. 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
1.16%
Cap rate
8.96%
Cash-on-cash
9.52%
DSCR
1.42
GRM
7.2

CMA / ARV

ARV (median comp)
$315,174
List price
$310,000
Delta
-1.64%
Verdict
FAIR
Comps
20 within 1.0 mi

Projected returns pro-forma

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

5-year hold
IRR
-1.9%
Equity multiple
0.93×
Total profit
$-6,339
Equity at exit
$46,222
10-year hold
IRR
7.8%
Equity multiple
1.59×
Total profit
$51,150
Equity at exit
$26,803

Cash invested: $86,800 (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.

ZIP-level market 10530

Active inventory
156
Price-to-rent
7.2×

Monthly cashflow live

Estimated rent
$3,583 high interval (Pro) →
Mortgage (P&I)
$1,626
Tax est. 1.5%
$388 /mo · $4,650/yr
Insurance
$129
HOA
$0
Vacancy / Maint / Mgmt
$752
Net cashflow
$688

Break-even live

Break-even rent $2,712
Max offer price $310,000
Occupancy floor 76%

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
$77,500
Closing costs
$9,300
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 36 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
55 Fieldstone Dr Unit 69 Hartsdale, NY 1.0 1.0 800 $2,100 $2.62 12d 1 0.07mi
400 High Point Dr Unit 206 Hartsdale, NY 1.0 1.0 987 $3,300 $3.34 44d 1 0.23mi
55 McKinley Ave Unit D2-3 White Plains, NY 1.0 1.0 809 $2,400 $2.97 44d 1 0.50mi
55 Bank St White Plains, NY 2.0 1.0–2.0 861 $5,420 $6.30 1d 23 0.90mi
9 Ridgeview Ave White Plains, NY 3.0 1.0 1500 $3,500 $2.33 25d 1 0.90mi
57 Bank St Unit 1040035P White Plains, NY 2.0 1.0–2.0 726 $9,348 $12.88 3d 3 0.91mi
15 Bank St White Plains, NY 1.0–2.0 1.0–2.0 934 $5,064 $5.42 1d 20 0.91mi
1 Martine Ave White Plains, NY 1.0–2.0 1.0–2.0 827 $4,295 $5.19 2d 12 0.97mi
25 N Lexington Ave White Plains, NY 3.0 1.0–2.0 988 $6,146 $6.22 1d 28 0.98mi
34 S Lexington Ave White Plains, NY 1.0–2.0 1.0–2.0 871 $4,195 $4.82 5d 6 1.01mi
4 Martine Ave White Plains, NY 1.0 1.0–1.5 773 $3,025 $3.91 19d 2 1.02mi
4 Martine Ave White Plains, NY 1.0 1.0–1.5 773 $2,900 $3.75 44d 2 1.02mi
4 Martine Ave White Plains, NY 1.0 1.0 707 $2,750 $3.89 2d 1 1.02mi
4 Martine Ave White Plains, NY 1.0 1.0–1.5 773 $2,850 $3.69 13d 2 1.02mi
26 Hillside Ter Unit F White Plains, NY 1.0 1.0 782 $2,700 $3.45 44d 1 1.05mi
26 Fairview Ave White Plains, NY 3.0 1.5 1100 $3,600 $3.27 44d 1 1.07mi
140 E Hartsdale Ave Hartsdale, NY 2.0 1.0 875 $2,895 $3.31 22d 1 1.18mi
846 Hartsdale Rd White Plains, NY 3.0 2.5 1500 $5,200 $3.47 18d 1 1.25mi
1 Renaissance Sq Unit 7B White Plains, NY 1.0 1.5 1048 $5,500 $5.25 44d 1 1.29mi
42 Barker Ave Unit 4C White Plains, NY 1.0 1.0 800 $2,300 $2.88 44d 1 1.36mi
55 N Broadway Unit 3-15H White Plains, NY 2.0 2.5 1310 $3,850 $2.94 44d 1 1.38mi
37 Lake St White Plains, NY 1.0–2.0 1.0 685 $3,240 $4.73 44d 1 1.39mi
290 E Main St Elmsford, NY 2.0 2.0 1086 $3,932 $3.62 1d 1 1.41mi
131 Mamaroneck Ave White Plains, NY 3.0 1.0–2.0 974 $5,355 $5.50 1d 19 1.43mi
115 N Broadway White Plains, NY 2.0 2.5 1450 $3,750 $2.59 44d 1 1.43mi
250 S Central Ave Apt 3I Hartsdale, NY 2.0 1.0 1000 $4,350 $4.35 44d 1 1.44mi
250 S Central Ave Apt 4A Hartsdale, NY 2.0 1.0 1289 $4,350 $3.37 17d 1 1.44mi
10 City Pl Unit 2D White Plains, NY 1.0 1.5 1069 $3,895 $3.64 15d 1 1.44mi
234 Martine Ave White Plains, NY 3.0 2.0 1460 $4,195 $2.87 24d 1 1.45mi
440 Hamilton Ave White Plains, NY 2.0 1.0–2.0 880 $5,554 $6.31 1d 31 1.45mi
240 Martine Ave Apt 4G White Plains, NY 3.0 2.0 1460 $4,195 $2.87 44d 1 1.45mi
250 Central Park Ave Unit 5I Hartsdale, NY 2.0 1.0 1000 $4,550 $4.55 17d 1 1.47mi
250 Mamaroneck Ave White Plains, NY 1.0–3.0 1.0–2.5 1298 $7,098 $5.47 1d 126 1.47mi
250 S Central Ave Hartsdale, NY 1.0–2.0 1.0–2.0 1084 $5,500 $5.07 1d 1 1.47mi
13 Granada Cres #1 White Plains, NY 2.0 2.0 1100 $3,500 $3.18 25d 1 1.48mi
1 S Broadway Apt 1L White Plains, NY 2.0 1.0 1000 $2,950 $2.95 44d 1 1.49mi

HOA detail condo

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

Listing history 27 events

  1. 2026-06-17
    status $310,000 Pending 41 DOM
  2. 2026-06-16
    days on market $310,000 Active 41 DOM
  3. 2026-06-15
    days on market $310,000 Active 40 DOM
  4. 2026-06-13
    days on market $310,000 Active 38 DOM
  5. 2026-06-13
    days on market $310,000 Active 37 DOM
  6. 2026-06-09
    days on market $310,000 Active 34 DOM
  7. 2026-06-08
    days on market $310,000 Active 33 DOM
  8. 2026-06-07
    days on market $310,000 Active 32 DOM
  9. 2026-06-04
    days on market $310,000 Active 29 DOM
  10. 2026-06-03
    days on market $310,000 Active 28 DOM
  11. 2026-06-02
    days on market $310,000 Active 27 DOM
  12. 2026-06-01
    days on market $310,000 Active 26 DOM
  13. 2026-05-31
    days on market $310,000 Active 25 DOM
  14. 2026-05-07
    listed $320,000 Active 1274-char remark
  15. 2026-05-05
    historical $320,000 1274-char remark
  16. 2018-07-06
    soldstatus $207,000 Sold 722-char remark
    Show marketing remark (722 chars)

    Renovated two bedroom, two bath w/new kitchen and laundry in the unit. This large, two bedroom with 10 ft ceilings feels like you're living in a house. The new kitchen has granite counters, custom cabinets and stainless steel appliances. Both bathroom have been renovated as well. Do laundry when you want w/your own washer & dryer in the unit. Other features include a Large master Bedroom w/half bath, sunny living room, dining area, walk-in closets, assigned parking & hardwood floors. When it's time to enjoy the outdoors stroll over to the complex pool or BBQ outside your door & enjoy a summer of easy living. Maintenance is Prior to STAR credit. Additional Information: HeatingFuel:Oil Above Ground,

  17. 2018-03-02
    historical Pending 722-char remark
    Show marketing remark (722 chars)

    Renovated two bedroom, two bath w/new kitchen and laundry in the unit. This large, two bedroom with 10 ft ceilings feels like you're living in a house. The new kitchen has granite counters, custom cabinets and stainless steel appliances. Both bathroom have been renovated as well. Do laundry when you want w/your own washer & dryer in the unit. Other features include a Large master Bedroom w/half bath, sunny living room, dining area, walk-in closets, assigned parking & hardwood floors. When it's time to enjoy the outdoors stroll over to the complex pool or BBQ outside your door & enjoy a summer of easy living. Maintenance is Prior to STAR credit. Additional Information: HeatingFuel:Oil Above Ground,

  18. 2018-02-06
    price $215,000 722-char remark
    Show marketing remark (722 chars)

    Renovated two bedroom, two bath w/new kitchen and laundry in the unit. This large, two bedroom with 10 ft ceilings feels like you're living in a house. The new kitchen has granite counters, custom cabinets and stainless steel appliances. Both bathroom have been renovated as well. Do laundry when you want w/your own washer & dryer in the unit. Other features include a Large master Bedroom w/half bath, sunny living room, dining area, walk-in closets, assigned parking & hardwood floors. When it's time to enjoy the outdoors stroll over to the complex pool or BBQ outside your door & enjoy a summer of easy living. Maintenance is Prior to STAR credit. Additional Information: HeatingFuel:Oil Above Ground,

  19. 2017-12-18
    status Active 722-char remark
    Show marketing remark (722 chars)

    Renovated two bedroom, two bath w/new kitchen and laundry in the unit. This large, two bedroom with 10 ft ceilings feels like you're living in a house. The new kitchen has granite counters, custom cabinets and stainless steel appliances. Both bathroom have been renovated as well. Do laundry when you want w/your own washer & dryer in the unit. Other features include a Large master Bedroom w/half bath, sunny living room, dining area, walk-in closets, assigned parking & hardwood floors. When it's time to enjoy the outdoors stroll over to the complex pool or BBQ outside your door & enjoy a summer of easy living. Maintenance is Prior to STAR credit. Additional Information: HeatingFuel:Oil Above Ground,

  20. 2017-11-07
    historical Pending 722-char remark
    Show marketing remark (722 chars)

    Renovated two bedroom, two bath w/new kitchen and laundry in the unit. This large, two bedroom with 10 ft ceilings feels like you're living in a house. The new kitchen has granite counters, custom cabinets and stainless steel appliances. Both bathroom have been renovated as well. Do laundry when you want w/your own washer & dryer in the unit. Other features include a Large master Bedroom w/half bath, sunny living room, dining area, walk-in closets, assigned parking & hardwood floors. When it's time to enjoy the outdoors stroll over to the complex pool or BBQ outside your door & enjoy a summer of easy living. Maintenance is Prior to STAR credit. Additional Information: HeatingFuel:Oil Above Ground,

  21. 2017-10-18
    price $220,000 722-char remark
    Show marketing remark (722 chars)

    Renovated two bedroom, two bath w/new kitchen and laundry in the unit. This large, two bedroom with 10 ft ceilings feels like you're living in a house. The new kitchen has granite counters, custom cabinets and stainless steel appliances. Both bathroom have been renovated as well. Do laundry when you want w/your own washer & dryer in the unit. Other features include a Large master Bedroom w/half bath, sunny living room, dining area, walk-in closets, assigned parking & hardwood floors. When it's time to enjoy the outdoors stroll over to the complex pool or BBQ outside your door & enjoy a summer of easy living. Maintenance is Prior to STAR credit. Additional Information: HeatingFuel:Oil Above Ground,

  22. 2017-10-12
    price $222,500 722-char remark
    Show marketing remark (722 chars)

    Renovated two bedroom, two bath w/new kitchen and laundry in the unit. This large, two bedroom with 10 ft ceilings feels like you're living in a house. The new kitchen has granite counters, custom cabinets and stainless steel appliances. Both bathroom have been renovated as well. Do laundry when you want w/your own washer & dryer in the unit. Other features include a Large master Bedroom w/half bath, sunny living room, dining area, walk-in closets, assigned parking & hardwood floors. When it's time to enjoy the outdoors stroll over to the complex pool or BBQ outside your door & enjoy a summer of easy living. Maintenance is Prior to STAR credit. Additional Information: HeatingFuel:Oil Above Ground,

  23. 2017-09-15
    price $225,000 722-char remark
    Show marketing remark (722 chars)

    Renovated two bedroom, two bath w/new kitchen and laundry in the unit. This large, two bedroom with 10 ft ceilings feels like you're living in a house. The new kitchen has granite counters, custom cabinets and stainless steel appliances. Both bathroom have been renovated as well. Do laundry when you want w/your own washer & dryer in the unit. Other features include a Large master Bedroom w/half bath, sunny living room, dining area, walk-in closets, assigned parking & hardwood floors. When it's time to enjoy the outdoors stroll over to the complex pool or BBQ outside your door & enjoy a summer of easy living. Maintenance is Prior to STAR credit. Additional Information: HeatingFuel:Oil Above Ground,

  24. 2017-08-18
    status Active 722-char remark
    Show marketing remark (722 chars)

    Renovated two bedroom, two bath w/new kitchen and laundry in the unit. This large, two bedroom with 10 ft ceilings feels like you're living in a house. The new kitchen has granite counters, custom cabinets and stainless steel appliances. Both bathroom have been renovated as well. Do laundry when you want w/your own washer & dryer in the unit. Other features include a Large master Bedroom w/half bath, sunny living room, dining area, walk-in closets, assigned parking & hardwood floors. When it's time to enjoy the outdoors stroll over to the complex pool or BBQ outside your door & enjoy a summer of easy living. Maintenance is Prior to STAR credit. Additional Information: HeatingFuel:Oil Above Ground,

  25. 2017-07-20
    historical Pending 722-char remark
    Show marketing remark (722 chars)

    Renovated two bedroom, two bath w/new kitchen and laundry in the unit. This large, two bedroom with 10 ft ceilings feels like you're living in a house. The new kitchen has granite counters, custom cabinets and stainless steel appliances. Both bathroom have been renovated as well. Do laundry when you want w/your own washer & dryer in the unit. Other features include a Large master Bedroom w/half bath, sunny living room, dining area, walk-in closets, assigned parking & hardwood floors. When it's time to enjoy the outdoors stroll over to the complex pool or BBQ outside your door & enjoy a summer of easy living. Maintenance is Prior to STAR credit. Additional Information: HeatingFuel:Oil Above Ground,

  26. 2017-06-22
    price $230,000 722-char remark
    Show marketing remark (722 chars)

    Renovated two bedroom, two bath w/new kitchen and laundry in the unit. This large, two bedroom with 10 ft ceilings feels like you're living in a house. The new kitchen has granite counters, custom cabinets and stainless steel appliances. Both bathroom have been renovated as well. Do laundry when you want w/your own washer & dryer in the unit. Other features include a Large master Bedroom w/half bath, sunny living room, dining area, walk-in closets, assigned parking & hardwood floors. When it's time to enjoy the outdoors stroll over to the complex pool or BBQ outside your door & enjoy a summer of easy living. Maintenance is Prior to STAR credit. Additional Information: HeatingFuel:Oil Above Ground,

  27. 2017-05-11
    listed $245,000 Active 722-char remark
    Show marketing remark (722 chars)

    Renovated two bedroom, two bath w/new kitchen and laundry in the unit. This large, two bedroom with 10 ft ceilings feels like you're living in a house. The new kitchen has granite counters, custom cabinets and stainless steel appliances. Both bathroom have been renovated as well. Do laundry when you want w/your own washer & dryer in the unit. Other features include a Large master Bedroom w/half bath, sunny living room, dining area, walk-in closets, assigned parking & hardwood floors. When it's time to enjoy the outdoors stroll over to the complex pool or BBQ outside your door & enjoy a summer of easy living. Maintenance is Prior to STAR credit. Additional Information: HeatingFuel:Oil Above Ground,

ⓘ 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 1/10 Low
  • 🌡 Heat 5/10 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
$42,997
− Mortgage interest
−$17,365
− Property taxes
−$4,650
− Insurance
−$1,550
− Repairs & maintenance
−$3,440
− Management
−$3,440
− Depreciation
−$9,018
Taxable income
$3,535
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$848
After-tax cash flow
$7,412/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
Greenburgh Central School District
NCES district ID
3612720
Math proficiency
51% ▲ 4.00%
Reading proficiency
55% ▲ 5.00%
Median HH income
$93,626
Composite
49.43/100
National rank
#2005
State rank
#267 of 590 in NY

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

City population
3,648
Population (ZIP)
13,955

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
Predominantly White (68%)
Race & ethnicity
White 68% Hispanic / Latino 12% Asian 10% Two or more races 9% Black 7%
Hispanic origin (detail)
Mexican 2% Puerto Rican 4% Dominican 2%
Common ancestry
Romanian 9% Scotch-Irish 5% Italian 2%
Foreign-born
23% · Canada, China, South Korea
Languages at home
71% English-only · Spanish 9% Other Indo-European 6% Russian/Polish/Slavic 5%

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
▼ -616.16%
Current HPI
320.7324
Rent YoY
Metro
State GDP YoY
▲ 2.60%
F500 in state
92

Industry mix (Fortune 500 HQ in NY)

Industry F500 HQs Revenue

Price history

+26.5% since first listed
16 events — show timeline
  • 2026-06-16 Pending OneKey® MLS as Distributed by MLS Grid
  • 2026-05-27 Price Changed $310,000 OneKey® MLS as Distributed by MLS Grid
  • 2026-05-07 Listed $320,000 OneKey® MLS as Distributed by MLS Grid
  • 2026-05-05 Coming Soon $320,000 OneKey® MLS as Distributed by MLS Grid
  • 2018-07-06 Sold (MLS) $207,000 OneKey® MLS as Distributed by MLS Grid
  • 2018-03-02 Contingent OneKey® MLS as Distributed by MLS Grid
  • 2018-02-06 Price Changed $215,000 OneKey® MLS as Distributed by MLS Grid
  • 2017-12-18 Relisted OneKey® MLS as Distributed by MLS Grid
  • 2017-11-07 Contingent OneKey® MLS as Distributed by MLS Grid
  • 2017-10-18 Price Changed $220,000 OneKey® MLS as Distributed by MLS Grid
  • 2017-10-12 Price Changed $222,500 OneKey® MLS as Distributed by MLS Grid
  • 2017-09-15 Price Changed $225,000 OneKey® MLS as Distributed by MLS Grid
  • 2017-08-18 Relisted OneKey® MLS as Distributed by MLS Grid
  • 2017-07-20 Contingent OneKey® MLS as Distributed by MLS Grid
  • 2017-06-22 Price Changed $230,000 OneKey® MLS as Distributed by MLS Grid
  • 2017-05-11 Listed $245,000 OneKey® MLS as Distributed by MLS Grid

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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