20 N Broadway Unit O372 · White Plains, NY
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 4/10 · Minor
- Est. fire insurance / yr
- $691 – $1,283
Heat risk 6/10 · Moderate
- Hot days now (above 98°F)
- 7 days/yr
- Hot days in 30 yrs
- 15 days/yr
Wind risk 6/10 · Moderate
- Chance of severe wind over 30 yrs
- 27.0%
Air-quality risk 4/10 · Minor
- Unhealthy air days now
- 3 days/yr
- Unhealthy air days in 30 yrs
- 5 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the 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 +15.9/30.0
- ARV discount +9.8/15.0
- Appreciation +6.3/10.0
- DSCR +4.9/10.0
- Schools +4.7/10.0
- 1% rule +4.4/10.0
- Rent growth +3.7/5.0
- Livability +3.6/5.0
- Condition / age +2.5/5.0
$425,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Old world charm meets downtown energy: make your new home in a desirable street-facing duplex unit & live in the center of the action! Known as one of the most elegant pet-friendly Co-Op Residences in White Plains, you'll find more than just a great apartment waiting for you. With an ambiance as if you're on vacation in Europe, just outside the peaceful oasis of The Broadlawn's meticulously maintained courtyards lies the convenience of downtown. Commute to NYC via Express train in about 35min - White Plains station is less than 1 mile away. Sip your morning coffee while people-watching on a private balcony overlooking downtown, play fetch with your dog in one of the nearby parks, join your friends & neighbors for a BBQ in the courtyard, or head out for a night on the town at any of the noteworthy restaurants just blocks away. This charming, light-filled unit comes complete and ready to move in with custom expanded walk-in closets in the primary bedroom, hardwood floors, wood-burning fireplace, updated kitchen & baths, and all the lovely details you'd expect from a pre-war gem: crown moldings, exposed brick walls, wainscoting, and the building's signature casement windows. Laundry, assigned parking, & storage make life simple, living at The Broadlawn makes life magical.
Key facts
- Parking
- Built 1928
- Listed 17 days
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/1.0-bath condo listed at $425k.
Deal economics
- At list price, monthly cash flow is $203 ($2k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $398k (6.5% below list).
- Recommended offer: $398k (6.5% below list) — sets the bar for 1% rule.
- Cap rate 6.9% vs local median 4.3% in White Plains — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
Location & tenants
- Location reads 71/100 on livability (#410 in NY) — a middle-class / working-renter tenant base. Strengths: commute A+, employment A+, crime A-; Watch: amenities F, cost of living F.
- White Plains City School District (urban): math 49% / reading 54% proficiency, ranked #313 of 590 in NY (top 53%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
- 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 22d 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 $14k of equity ($3k loan paydown + $11k 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 $119k cash investment doubles in ~6 years — after that, you're playing with house money.
- By year 3, paydown + projected appreciation supports a ~$36k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.
Negotiation context
- It's been on market 17 days — a 2% lower offer ($419k) is reasonable based on typical stale-listing flexibility.
- 3 sale attempts since 16y 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 $340k; 25% above their basis — modest negotiation headroom, anchor on the comps not their cost.
Risks & watch-outs
- Watch-outs: built in 1928 — 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
- Built in 1928 — 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?
- 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
- 0.94% ✗
- Cap rate
- 6.87%
- Cash-on-cash
- 2.05%
- DSCR
- 1.09
- GRM
- 8.9
CMA / ARV
- ARV (median comp)
- $448,121
- List price
- $425,000
- Delta
- -5.16%
- Verdict
- FAIR
- Comps
- 20 within 1.0 mi
Projected returns pro-forma
2.69% appreciation · 4.82% rent growth · sell at horizon
- IRR
- 9.6%
- Equity multiple
- 1.54×
- Total profit
- $64,773
- Equity at exit
- $183,816
- IRR
- 13.1%
- Equity multiple
- 2.96×
- Total profit
- $232,836
- Equity at exit
- $277,746
Cash invested: $119,000 (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
- 8.9×
Monthly cashflow live
- Estimated rent
- $3,975 high interval (Pro) →
- Mortgage (P&I)
- −$2,229
- Tax est. 1.5%
- −$531 /mo · $6,375/yr
- Insurance
- −$177
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$835
- Net cashflow
- $203
Break-even live
Sensitivity live
| Price | -10% $497 | -5% $350 | +0% $203 | +5% $56 | +10% $-90 |
|---|---|---|---|---|---|
| Rent | -10% $-111 | -5% $46 | +0% $203 | +5% $360 | +10% $517 |
| Rate | -1.0pp $417 | -0.5pp $311 | base $203 | +0.5pp $93 | +1.0pp $-19 |
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
- $106,250
- Closing costs
- $12,750
- 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 |
|---|---|---|---|---|---|---|---|---|
| 440 Hamilton Ave White Plains, NY | 2.0 | 1.0–2.0 | 880 | $5,554 | $6.31 | 0d | 29 | 0.06mi |
| 7 Lake St Unit 8k White Plains, NY | 2.0 | 1.0 | 975 | $3,150 | $3.23 | 45d | 1 | 0.07mi |
| 300 Main St White Plains, NY | 1.0 | 1.0 | 956 | $2,825 | $2.95 | 23d | 2 | 0.17mi |
| 30 Lake St Apt 2I White Plains, NY | 2.0 | 1.0 | 950 | $3,100 | $3.26 | 6d | 1 | 0.17mi |
| 1 S Broadway Apt 1L White Plains, NY | 2.0 | 1.0 | 1000 | $2,950 | $2.95 | 45d | 1 | 0.18mi |
| 7-11 S Broadway White Plains, NY | 1.0 | 1.0 | 746 | $3,295 | $4.42 | 14d | 1 | 0.20mi |
| 55 N Broadway Unit 3-15H White Plains, NY | 2.0 | 2.5 | 1310 | $3,850 | $2.94 | 45d | 1 | 0.21mi |
| 17 Terrace Ave White Plains, NY | 2.0 | 1.0 | 980 | $3,500 | $3.57 | 26d | 1 | 0.25mi |
| 27 Barker Ave White Plains, NY | 2.0 | 1.0–2.0 | 1131 | $5,391 | $4.76 | 0d | 18 | 0.27mi |
| 10 City Pl Unit 2D White Plains, NY | 1.0 | 1.5 | 1069 | $3,895 | $3.64 | 16d | 1 | 0.27mi |
| 5 Renaissance Sq Apt 21F White Plains, NY | 2.0 | 2.5 | 1534 | $6,850 | $4.47 | 19d | 1 | 0.27mi |
| 1 Renaissance Sq Unit 7B White Plains, NY | 1.0 | 1.5 | 1048 | $5,500 | $5.25 | 45d | 1 | 0.29mi |
| 234 Martine Ave White Plains, NY | 3.0 | 2.0 | 1460 | $4,195 | $2.87 | 25d | 1 | 0.30mi |
| 240 Martine Ave Apt 4G White Plains, NY | 3.0 | 2.0 | 1460 | $4,195 | $2.87 | 45d | 1 | 0.30mi |
| 131 Mamaroneck Ave White Plains, NY | 3.0 | 1.0–2.0 | 974 | $5,072 | $5.21 | 0d | 17 | 0.40mi |
| 108 N Kensico AVE Unit 5A | 2.0 | 1.5 | 950 | $3,400 | $3.58 | 26d | 1 | 0.45mi |
| 1 Lyon Pl Unit 907 White Plains, NY | 2.0 | 2.0 | 1120 | $4,555 | $4.07 | 4d | 1 | 0.46mi |
| 10 Lyon Pl White Plains, NY | 2.0 | 1.0–2.0 | 870 | $4,375 | $5.03 | 45d | 17 | 0.48mi |
| 100 Hale Ave White Plains, NY | 2.0 | 1.0–2.0 | 908 | $4,961 | $5.46 | 0d | 11 | 0.51mi |
| 115 N Broadway White Plains, NY | 2.0 | 2.5 | 1450 | $3,750 | $2.59 | 45d | 1 | 0.51mi |
| 42 Waller Ave White Plains, NY | 2.0 | 1.0 | 1150 | $3,300 | $2.87 | 45d | 1 | 0.53mi |
| 25 N Lexington Ave White Plains, NY | 3.0 | 1.0–2.0 | 988 | $6,149 | $6.22 | 0d | 26 | 0.53mi |
| 26 Fairview Ave White Plains, NY | 3.0 | 1.5 | 1100 | $3,600 | $3.27 | 45d | 1 | 0.55mi |
| 125 Lake St Unit 6BN White Plains, NY | 2.0 | 2.0 | 975 | $3,050 | $3.13 | 45d | 1 | 0.59mi |
| 1 Martine Ave White Plains, NY | 1.0–2.0 | 1.0–2.0 | 780 | $4,295 | $5.51 | 0d | 10 | 0.62mi |
| 15 Bank St White Plains, NY | 1.0–2.0 | 1.0–2.0 | 934 | $4,093 | $4.38 | 0d | 19 | 0.64mi |
| 250 Mamaroneck Ave White Plains, NY | 1.0–3.0 | 1.0–2.5 | 1298 | $7,098 | $5.47 | 0d | 122 | 0.66mi |
| 28 Beechwood Ave West Harrison, NY | 3.0 | 1.0 | 1239 | $4,800 | $3.87 | 19d | 1 | 0.68mi |
| 507 Main St E West Harrison, NY | 3.0 | 2.0 | 1800 | $5,000 | $2.78 | 8d | 1 | 0.69mi |
| 55 Bank St White Plains, NY | 2.0 | 1.0–2.0 | 813 | $5,418 | $6.66 | 0d | 23 | 0.71mi |
| 50 Dekalb Ave Unit N4F White Plains, NY | 1.0 | 1.0 | 1000 | $3,100 | $3.10 | 22d | 1 | 0.72mi |
| 57 Bank St Unit 1040035P White Plains, NY | 2.0 | 1.0–2.0 | 726 | $9,348 | $12.88 | 4d | 3 | 0.72mi |
| 16 Edward St Unit 2nd floor West Harrison, NY | 2.0 | 1.0 | 900 | $2,600 | $2.89 | 45d | 1 | 0.73mi |
| 26 Montross St White Plains, NY | 3.0 | 1.0 | 1528 | $5,650 | $3.70 | 0d | 1 | 0.82mi |
| 5 Madison St Unit 2R West Harrison, NY | 3.0 | 1.0 | 950 | $3,450 | $3.63 | 45d | 1 | 0.85mi |
| Gainsborg Ave West Harrison, NY | 2.0 | 1.0 | 980 | $2,800 | $2.86 | 16d | 1 | 0.92mi |
| 295 Columbus Ave Unit 2 West Harrison, NY | 2.0 | 1.0 | 946 | $2,700 | $2.85 | 45d | 1 | 1.00mi |
| 27 Woodside Ave Unit 2B West Harrison, NY | 3.0 | 2.0 | 1500 | $5,500 | $3.67 | 0d | 1 | 1.02mi |
| 499 N Broadway Apt 2L White Plains, NY | 2.0 | 2.0 | 1250 | $3,400 | $2.72 | 45d | 1 | 1.04mi |
| 125 Lake St Unit 6gn West Harrison, NY | 2.0 | 2.0 | 1000 | $3,000 | $3.00 | 45d | 1 | 1.09mi |
HOA detail condo
- Monthly dues
- $0 · $0/yr
- Likely covers
- parking
- Assessments
- None detected in remarks — confirm with the listing agent.
Listing history 14 events
-
2026-05-10status Pending 1305-char remark
Show marketing remark (1305 chars)
Old world charm meets downtown energy: make your new home in a desirable street-facing duplex unit & live in the center of the action! Known as one of the most elegant pet-friendly Co-Op Residences in White Plains, you'll find more than just a great apartment waiting for you. With an ambiance as if you're on vacation in Europe, just outside the peaceful oasis of The Broadlawn's meticulously maintained courtyards lies the convenience of downtown. Commute to NYC via Express train in about 35min - White Plains station is less than 1 mile away. Sip your morning coffee while people-watching on a private balcony overlooking downtown, play fetch with your dog in one of the nearby parks, join your friends & neighbors for a BBQ in the courtyard, or head out for a night on the town at any of the noteworthy restaurants just blocks away. This charming, light-filled unit comes complete and ready to move in with custom expanded walk-in closets in the primary bedroom, hardwood floors, wood-burning fireplace, updated kitchen & baths, and all the lovely details you'd expect from a pre-war gem: crown moldings, exposed brick walls, wainscoting, and the building's signature casement windows. Laundry, assigned parking, & storage make life simple, living at The Broadlawn makes life magical.
-
2026-04-22$425,000 Active 1305-char remark
Show marketing remark (1305 chars)
Old world charm meets downtown energy: make your new home in a desirable street-facing duplex unit & live in the center of the action! Known as one of the most elegant pet-friendly Co-Op Residences in White Plains, you'll find more than just a great apartment waiting for you. With an ambiance as if you're on vacation in Europe, just outside the peaceful oasis of The Broadlawn's meticulously maintained courtyards lies the convenience of downtown. Commute to NYC via Express train in about 35min - White Plains station is less than 1 mile away. Sip your morning coffee while people-watching on a private balcony overlooking downtown, play fetch with your dog in one of the nearby parks, join your friends & neighbors for a BBQ in the courtyard, or head out for a night on the town at any of the noteworthy restaurants just blocks away. This charming, light-filled unit comes complete and ready to move in with custom expanded walk-in closets in the primary bedroom, hardwood floors, wood-burning fireplace, updated kitchen & baths, and all the lovely details you'd expect from a pre-war gem: crown moldings, exposed brick walls, wainscoting, and the building's signature casement windows. Laundry, assigned parking, & storage make life simple, living at The Broadlawn makes life magical.
-
2026-04-15historical $425,000 1305-char remark
Show marketing remark (1305 chars)
Old world charm meets downtown energy: make your new home in a desirable street-facing duplex unit & live in the center of the action! Known as one of the most elegant pet-friendly Co-Op Residences in White Plains, you'll find more than just a great apartment waiting for you. With an ambiance as if you're on vacation in Europe, just outside the peaceful oasis of The Broadlawn's meticulously maintained courtyards lies the convenience of downtown. Commute to NYC via Express train in about 35min - White Plains station is less than 1 mile away. Sip your morning coffee while people-watching on a private balcony overlooking downtown, play fetch with your dog in one of the nearby parks, join your friends & neighbors for a BBQ in the courtyard, or head out for a night on the town at any of the noteworthy restaurants just blocks away. This charming, light-filled unit comes complete and ready to move in with custom expanded walk-in closets in the primary bedroom, hardwood floors, wood-burning fireplace, updated kitchen & baths, and all the lovely details you'd expect from a pre-war gem: crown moldings, exposed brick walls, wainscoting, and the building's signature casement windows. Laundry, assigned parking, & storage make life simple, living at The Broadlawn makes life magical.
-
2014-03-15price $340,000 511-char remark
Show marketing remark (511 chars)
Built in a different era when life was grand, phone numbers started with names like Sunset 8, women wore hats and so did men! One of the most handsome units that this great complex has to offer! Only 4 units with this floor plan! This corner unit is flooded with light, has a dynamic elevated view along the promenade yet has a peacefull and private setting. Enjoy the lush gardens, gazebo, charming architecturial detailing & the many interior fine features. Din. Rm. & uppr hallwy light fxtrs excl.
-
2012-01-19soldstatus $340,000 Sold 511-char remark
Show marketing remark (511 chars)
Built in a different era when life was grand, phone numbers started with names like Sunset 8, women wore hats and so did men! One of the most handsome units that this great complex has to offer! Only 4 units with this floor plan! This corner unit is flooded with light, has a dynamic elevated view along the promenade yet has a peacefull and private setting. Enjoy the lush gardens, gazebo, charming architecturial detailing & the many interior fine features. Din. Rm. & uppr hallwy light fxtrs excl.
-
2011-11-28historical Pending 511-char remark
Show marketing remark (511 chars)
Built in a different era when life was grand, phone numbers started with names like Sunset 8, women wore hats and so did men! One of the most handsome units that this great complex has to offer! Only 4 units with this floor plan! This corner unit is flooded with light, has a dynamic elevated view along the promenade yet has a peacefull and private setting. Enjoy the lush gardens, gazebo, charming architecturial detailing & the many interior fine features. Din. Rm. & uppr hallwy light fxtrs excl.
-
2011-11-23historical 511-char remark
Show marketing remark (511 chars)
Built in a different era when life was grand, phone numbers started with names like Sunset 8, women wore hats and so did men! One of the most handsome units that this great complex has to offer! Only 4 units with this floor plan! This corner unit is flooded with light, has a dynamic elevated view along the promenade yet has a peacefull and private setting. Enjoy the lush gardens, gazebo, charming architecturial detailing & the many interior fine features. Din. Rm. & uppr hallwy light fxtrs excl.
-
2011-10-19historical Pending 511-char remark
Show marketing remark (511 chars)
Built in a different era when life was grand, phone numbers started with names like Sunset 8, women wore hats and so did men! One of the most handsome units that this great complex has to offer! Only 4 units with this floor plan! This corner unit is flooded with light, has a dynamic elevated view along the promenade yet has a peacefull and private setting. Enjoy the lush gardens, gazebo, charming architecturial detailing & the many interior fine features. Din. Rm. & uppr hallwy light fxtrs excl.
-
2011-10-18price $368,800 511-char remark
Show marketing remark (511 chars)
Built in a different era when life was grand, phone numbers started with names like Sunset 8, women wore hats and so did men! One of the most handsome units that this great complex has to offer! Only 4 units with this floor plan! This corner unit is flooded with light, has a dynamic elevated view along the promenade yet has a peacefull and private setting. Enjoy the lush gardens, gazebo, charming architecturial detailing & the many interior fine features. Din. Rm. & uppr hallwy light fxtrs excl.
-
2011-09-01price $368,800 511-char remark
Show marketing remark (511 chars)
Built in a different era when life was grand, phone numbers started with names like Sunset 8, women wore hats and so did men! One of the most handsome units that this great complex has to offer! Only 4 units with this floor plan! This corner unit is flooded with light, has a dynamic elevated view along the promenade yet has a peacefull and private setting. Enjoy the lush gardens, gazebo, charming architecturial detailing & the many interior fine features. Din. Rm. & uppr hallwy light fxtrs excl.
-
2011-05-22price $376,400 511-char remark
Show marketing remark (511 chars)
Built in a different era when life was grand, phone numbers started with names like Sunset 8, women wore hats and so did men! One of the most handsome units that this great complex has to offer! Only 4 units with this floor plan! This corner unit is flooded with light, has a dynamic elevated view along the promenade yet has a peacefull and private setting. Enjoy the lush gardens, gazebo, charming architecturial detailing & the many interior fine features. Din. Rm. & uppr hallwy light fxtrs excl.
-
2011-05-22$37,640 Active 511-char remark
Show marketing remark (511 chars)
Built in a different era when life was grand, phone numbers started with names like Sunset 8, women wore hats and so did men! One of the most handsome units that this great complex has to offer! Only 4 units with this floor plan! This corner unit is flooded with light, has a dynamic elevated view along the promenade yet has a peacefull and private setting. Enjoy the lush gardens, gazebo, charming architecturial detailing & the many interior fine features. Din. Rm. & uppr hallwy light fxtrs excl.
-
2011-01-01historical
-
2010-09-09Active
ⓘ 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
- $47,702
- − Mortgage interest
- −$23,807
- − Property taxes
- −$6,375
- − Insurance
- −$2,125
- − Repairs & maintenance
- −$3,816
- − Management
- −$3,816
- − Depreciation
- −$12,364
- Taxable loss
- −$4,600
- Est. tax savings @ 24.0%
- +$1,104
- After-tax cash flow
- $3,544/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
+1029.1% since first listed14 events — show timeline
- 2026-05-10 Pending — OneKey® MLS as Distributed by MLS Grid
- 2026-04-22 Listed $425,000 OneKey® MLS as Distributed by MLS Grid
- 2026-04-15 Coming Soon $425,000 OneKey® MLS as Distributed by MLS Grid
- 2014-03-15 Price Changed $340,000 HGMLS
- 2012-01-19 Sold (MLS) $340,000 HGMLS
- 2011-11-28 Contingent — HGMLS
- 2011-11-23 Delisted — HGMLS
- 2011-10-19 Contingent — HGMLS
- 2011-10-18 Price Changed $368,800 HGMLS
- 2011-09-01 Price Changed $368,800 HGMLS
- 2011-05-22 Price Changed $376,400 HGMLS
- 2011-05-22 Listed $37,640 HGMLS
- 2011-01-01 Delisted — HGMLS
- 2010-09-09 Listed — HGMLS
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…