465 E Lincoln Ave #411 · Mount Vernon, NY 10552

$183,000

2 bd · 1.0 ba · 1,000 sqft · Condo · 27 Days on market

Built 1960 $89/mo HOA · 3% of rent

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Why this score? — see what drove the B grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Rent growth +4.3/5.0
• Schools +3.7/10.0
• Livability +3.6/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Large/Bright Unit w/ Nicely Appointed Rooms/Floor Plan PLUS Updated Kitchen & New paint job. .. Larger 2 Bedroom w/ separate dinette area. Sunny & Bright thru out w/ nice floor plan! Complex Grounds are WELL manicured w/ nice landscaping & NEW: Playground/Park Benches & Tables. One of (If Not THE) BEST OVER All Values in a 100 Mile Radius 1 of Westchester's LOWEST Maint w/ Strongest Financials! Take A LQQk at the Pictures & Call to See it today! STAR (tax) Reduction REDUCES Monthly Maint' by (-) $175! Coop Boasts Quiet Park Setting on Dead End Loop at the end of a Private (LIKE) Drive/Street, Beautifully kept/maintained/closed circuit buildings! EZ/ Quick Board. (700+ Credit, 2 + years on the job + $45k + Income & you're qualified to pass the board) You Can Own This 2BR Unit for Less than $1250 A month after 10% down payment(5% mort interest /30 years) & monthly maint' ~ Take off -$175(star) = less than $1070 TO OWN a 2 BR?! WoW!!! Call & Make An Appointment to See This One TODAY!

Key facts

• Renovated bathroom
• Galley kitchen
• Renovated kitchen

Tags

• SEPARATE DINING AREA
• GALLEY KITCHEN
• RENOVATED KITCHEN
• RENOVATED BATHROOM
• ON-SITE LAUNDRY FACILITIES

Property features AI

Finance

• Other: Living area reported from public records
• HOA & community: Managed by Garthchester Management; Association amenities include elevators, landscaping, live-in superintendent, grounds maintenance, park, parking, playground, snow removal, and trash; Association fee $1,070 annually; Association fee covers common area maintenance, exterior maintenance, grounds care, heat, hot water, sewer, and snow removal

Exterior

• Parking: One parking space; Parking fee (monthly) $60; Other parking features
• Utilities: Public sewer; Electricity available and connected; Natural gas available and connected; Water available and connected; Sewer available; Trash collection (public); See remarks regarding utilities
• Home design: Stock cooperative property; Six total stories; One-level unit; Entry level indicated as level 4
• Construction: Brick construction; Brick/mortar foundation
• Exterior features: Bicycle room; Outdoor space; No waterfront

Interior

• Kitchen: Gas oven; Oven; Range; Refrigerator; Stainless steel appliances
• Bedrooms: Entry level bedroom on level 4
• Bathrooms: One full bathroom
• Heating & cooling: Wall/window air conditioning unit(s); Natural gas heating; Oil heating; Radiant heating; See remarks
• Interior features: Cathedral ceilings; Ceiling fans; High-speed internet; Walk-through kitchen; Five total rooms
• Laundry & utility: Laundry room; Laundry in basement

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath condo listed at $183k.

Deal economics

• At list price, monthly cash flow is $853 ($10k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $183k).
• Recommended offer: $180k (1.5% below list) — sets the bar for market timing.
• Cap rate 11.9% vs local median 5.3% in Mount Vernon — 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 (#397 in NY) — a middle-class / working-renter tenant base. Strengths: commute A+, health & safety A, employment B; Watch: crime D-, cost of living F.
• Mount Vernon School District (suburban): math 35% / reading 50% proficiency, ranked #485 of 590 in NY (top 82%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 62% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Pennington School (math 42% / reading 62%, grade C-, #988 of 2,108 statewide, top 49%, 426 students, 45% FRL); Denzel Washington School-Arts (math 57% / reading 84%, grade B+, #701 of 1,100 statewide, top 64%, 383 students, 58% FRL).
• Zoned-school proficiency averages 61% at this address vs 42% district-wide (+19 pts) — the actual schools serving this property are materially stronger than the Mount Vernon School District average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents rising fast (+7.0%/yr); 125 active listings in the ZIP; 31 comparable units currently listed for rent nearby; rentals at typical pace (median 25d 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

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Westchester County population projected at +10% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 7.0% rent growth), your $51k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 27 days — a 2% lower offer ($180k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 11y 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 $110k; list at $183k implies a 66% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→14/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $180,255 (1.5% below list)

Questions for the listing agent

1. Built in 1960 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. Crime grade is D 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?
6. 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.
7. 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.
8. 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: 1.53% ✓
• Cap rate: 11.88%
• Cash-on-cash: 19.97%
• DSCR: 1.89
• GRM: 5.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 7.04% rent growth · sell at horizon

5-year hold

• IRR: 16.8%
• Equity multiple: 1.71×
• Total profit: $36,560
• Equity at exit: $27,286

10-year hold

• IRR: 28.2%
• Equity multiple: 4.02×
• Total profit: $154,844
• Equity at exit: $15,822

Cash invested: $51,240 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 15 Strongly Tenant-Friendly
• State New York: 15 Strongly Tenant-Friendly · D+10
• County: — inherits STATE
• City: — inherits STATE

NYC rent stabilization (~1M units); 2019 HSTPA strengthened tenant rights; courts deeply backlogged.

Methodology + full state rankings →

ZIP-level market 10552

• Rents YoY: 7.0%
• Active inventory: 125
• Price-to-rent: 5.5×

Monthly cashflow live

• Estimated rent: $2,793 high
• Mortgage (P&I): −$960
• Tax est. 1.5%: −$229 /mo · $2,745/yr
• Insurance: −$76
• HOA: −$89
• Vacancy / Maint / Mgmt: −$586
• Net cashflow: $853

Break-even live

Break-even rent $1,714

Max offer price $183,000

Occupancy floor 64%

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: $45,750
• Closing costs: $5,490
• Reserves months: —
• Total cash needed: —

Rent comps 31 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
148 Claremont Ave Mount Vernon, NY	2.0	1.0	960	$2,400	$2.50	19d	1	0.29mi
112 N Columbus Ave Unit 2 Mt Vernon, NY	2.0	2.0	900	$2,997	$3.33	19d	1	0.31mi
635 E Lincoln Ave Mount Vernon, NY	2.0	1.0	1000	$3,150	$3.15	7d	1	0.45mi
173 Crary Ave Mount Vernon, NY	3.0	2.0	1100	$3,100	$2.82	25d	1	0.65mi
173 Washington St Unit 1 Mt Vernon, NY	3.0	2.0	1100	$3,000	$2.73	25d	1	0.65mi
173 Washington St Unit 2 Mt Vernon, NY	3.0	2.0	1500	$3,200	$2.13	1d	1	0.65mi
33 William St Mount Vernon, NY	1.0–2.0	1.0	725	$2,675	$3.69	22d	2	0.86mi
42 Broad St W Mount Vernon, NY	3.0	1.0–2.0	1014	$5,080	$5.01	24d	15	0.90mi
42 Broad St W Mount Vernon, NY	3.0	1.0–2.0	955	$3,199	$3.35	2d	16	0.90mi
669 N Terrace Ave Mount Vernon, NY	1.0	1.0	750	$2,031	$2.71	25d	1	0.91mi
230 N 7th Ave Unit 2 Mt Vernon, NY	1.0	1.0	950	$2,300	$2.42	10d	1	0.93mi
12 Putnam St Mount Vernon, NY	2.0	1.0	950	$2,600	$2.74	25d	1	0.94mi
26 W Devonia Ave Unit 1 Mt Vernon, NY	3.0	1.5	1388	$4,200	$3.03	12d	1	0.98mi
103 North St Mount Vernon, NY	1.0	1.0	720	$1,900	$2.64	21d	1	0.98mi
80 W Grand St Mount Vernon, NY	1.0	1.0	850	$1,942	$2.28	25d	1	1.00mi
645 N MacQuesten Pkwy Unit 3G Mt Vernon, NY	2.0	1.0	950	$3,195	$3.36	25d	1	1.01mi
257 S 2nd Ave Mount Vernon, NY	1.0	1.0	800	$2,250	$2.81	25d	1	1.06mi
150 S 6th Ave Unit 2 Mt Vernon, NY	1.0	1.0	800	$2,500	$3.12	18d	1	1.13mi
150 S 6th Ave Unit 2 Mt Vernon, NY	1.0	1.0	800	$2,500	$3.12	7d	1	1.13mi
14 Elm St Unit 2 Mt Vernon, NY	2.0	1.0	1000	$2,800	$2.80	25d	1	1.15mi
32 N Bond St Mount Vernon, NY	1.0	1.0	850	$1,900	$2.24	7d	1	1.23mi
18 N Bond St Unit 3D Mt Vernon, NY	1.0	1.0	750	$2,000	$2.67	25d	1	1.26mi
671 Bronx River Rd Unit 3A Yonkers, NY	2.0	1.5	950	$3,000	$3.16	25d	1	1.29mi
119 S 11th Ave Unit 1 Mt Vernon, NY	2.0	1.0	700	$2,800	$4.00	11d	1	1.30mi
200 Crescent Pl Unit 2nd fl Yonkers, NY	1.0	1.0	800	$2,300	$2.88	17d	1	1.31mi
10 9th St Unit 2 New Rochelle, NY	2.0	1.0	1185	$2,850	$2.41	44d	1	1.36mi
9 9th St Unit 1st Floor New Rochelle, NY	3.0	1.0	1463	$3,400	$2.32	44d	1	1.37mi
9 9th St Unit 3rd Floor New Rochelle, NY	1.0	1.0	750	$2,100	$2.80	44d	1	1.37mi
119 S 13th Ave Mount Vernon, NY	2.0	1.0	800	$2,997	$3.75	13d	1	1.40mi
274 Lockwood Ave Unit First floor New Rochelle, NY	2.0	1.0	908	$2,700	$2.97	44d	1	1.47mi
51 Parkway Rd Apt 3 Bronxville, NY	1.0	1.0	1100	$3,100	$2.82	25d	1	1.50mi

HOA detail condo

• Monthly dues: $89 · $1,068/yr
• Likely covers: landscaping
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 21 events

1. 2026-06-18
   days on market $183,000 Active 27 DOM
2. 2026-06-17
   days on market $183,000 Active 26 DOM
3. 2026-06-16
   days on market $183,000 Active 25 DOM
4. 2026-06-15
   days on market $183,000 Active 24 DOM
5. 2026-06-13
   days on market $183,000 Active 22 DOM
6. 2026-06-09
   days on market $183,000 Active 18 DOM
7. 2026-06-08
   days on market $183,000 Active 17 DOM
8. 2026-06-07
   days on market $183,000 Active 16 DOM
9. 2026-06-04
   days on market $183,000 Active 13 DOM
10. 2026-06-03
    days on market $183,000 Active 12 DOM
11. 2026-06-02
    days on market $183,000 Active 11 DOM
12. 2026-06-01
    days on market $183,000 Active 10 DOM
13. 2026-05-31
    days on market $183,000 Active 9 DOM
14. 2026-05-20
    listed $183,000 Active
15. 2016-06-21
    price $110,000 1048-char remark

    Show marketing remark (1048 chars)

    Large/Bright Unit w/ Nicely Appointed Rooms/Floor Plan PLUS Updated Kitchen & New paint job. .. Larger 2 Bedroom w/ separate dinette area. Sunny & Bright thru out w/ nice floor plan! Complex Grounds are WELL manicured w/ nice landscaping & NEW: Playground/Park Benches & Tables. One of (If Not THE) BEST OVER All Values in a 100 Mile Radius 1 of Westchester's LOWEST Maint w/ Strongest Financials! Take A LQQk at the Pictures & Call to See it today! STAR (tax) Reduction REDUCES Monthly Maint' by (-) $175! Coop Boasts Quiet Park Setting on Dead End Loop at the end of a Private (LIKE) Drive/Street, Beautifully kept/maintained/closed circuit buildings! EZ/ Quick Board. (700+ Credit, 2 + years on the job + $45k + Income & you're qualified to pass the board) You Can Own This 2BR Unit for Less than $1250 A month after 10% down payment(5% mort interest /30 years) & monthly maint' ~ Take off -$175(star) = less than $1070 TO OWN a 2 BR?! WoW!!! Call & Make An Appointment to See This One TODAY!

16. 2016-06-21
    soldstatus $110,000 Sold 1048-char remark

    Show marketing remark (1048 chars)

    Large/Bright Unit w/ Nicely Appointed Rooms/Floor Plan PLUS Updated Kitchen & New paint job. .. Larger 2 Bedroom w/ separate dinette area. Sunny & Bright thru out w/ nice floor plan! Complex Grounds are WELL manicured w/ nice landscaping & NEW: Playground/Park Benches & Tables. One of (If Not THE) BEST OVER All Values in a 100 Mile Radius 1 of Westchester's LOWEST Maint w/ Strongest Financials! Take A LQQk at the Pictures & Call to See it today! STAR (tax) Reduction REDUCES Monthly Maint' by (-) $175! Coop Boasts Quiet Park Setting on Dead End Loop at the end of a Private (LIKE) Drive/Street, Beautifully kept/maintained/closed circuit buildings! EZ/ Quick Board. (700+ Credit, 2 + years on the job + $45k + Income & you're qualified to pass the board) You Can Own This 2BR Unit for Less than $1250 A month after 10% down payment(5% mort interest /30 years) & monthly maint' ~ Take off -$175(star) = less than $1070 TO OWN a 2 BR?! WoW!!! Call & Make An Appointment to See This One TODAY!

17. 2016-06-20
    soldstatus $110,000 1025-char remark

    Show marketing remark (1025 chars)

    Large/Bright Unit w/Nicely Appointed Rooms/Floor Plan PLUS Updated Kitchen & New paint job... Larger 2 Bedroom w/separate dinette area. Sunny & Bright thru out w/nice floor plan! Complex Grounds are WELL manicured w/nice landscaping & NEW: Playground/Park Benches & Tables. One of (If Not THE) BEST OVER All Values in a 100 Mile Radius 1 of Westchester's LOWEST Maint w/Strongest Financials! Take A LQQk at the Pictures & Call to See it today! STAR (tax) Reduction REDUCES Monthly Maint' by (-) $175! Coop Boasts Quiet Park Setting on Dead End Loop at the end of a Private (LIKE) Drive/Street, Beautifully kept/maintained/closed circuit buildings! EZ/ Quick Board.(700+ Credit, 2 + years on the job + $45k + Income & you're qualified to pass the board) You Can Own This 2BR Unit for Less than $1250 A month after 10% down payment(5% mort interest /30 years) & monthly maint' ~ Take off -$175(star) = less than $1070 TO OWN a 2 BR?! WoW!!! Call & Make An Appointment to See This One TODAY!

18. 2016-04-13
    historical Pending 1048-char remark

    Show marketing remark (1048 chars)

    Large/Bright Unit w/ Nicely Appointed Rooms/Floor Plan PLUS Updated Kitchen & New paint job. .. Larger 2 Bedroom w/ separate dinette area. Sunny & Bright thru out w/ nice floor plan! Complex Grounds are WELL manicured w/ nice landscaping & NEW: Playground/Park Benches & Tables. One of (If Not THE) BEST OVER All Values in a 100 Mile Radius 1 of Westchester's LOWEST Maint w/ Strongest Financials! Take A LQQk at the Pictures & Call to See it today! STAR (tax) Reduction REDUCES Monthly Maint' by (-) $175! Coop Boasts Quiet Park Setting on Dead End Loop at the end of a Private (LIKE) Drive/Street, Beautifully kept/maintained/closed circuit buildings! EZ/ Quick Board. (700+ Credit, 2 + years on the job + $45k + Income & you're qualified to pass the board) You Can Own This 2BR Unit for Less than $1250 A month after 10% down payment(5% mort interest /30 years) & monthly maint' ~ Take off -$175(star) = less than $1070 TO OWN a 2 BR?! WoW!!! Call & Make An Appointment to See This One TODAY!

19. 2016-04-12
    price $120,000 1048-char remark

    Show marketing remark (1048 chars)

    Large/Bright Unit w/ Nicely Appointed Rooms/Floor Plan PLUS Updated Kitchen & New paint job. .. Larger 2 Bedroom w/ separate dinette area. Sunny & Bright thru out w/ nice floor plan! Complex Grounds are WELL manicured w/ nice landscaping & NEW: Playground/Park Benches & Tables. One of (If Not THE) BEST OVER All Values in a 100 Mile Radius 1 of Westchester's LOWEST Maint w/ Strongest Financials! Take A LQQk at the Pictures & Call to See it today! STAR (tax) Reduction REDUCES Monthly Maint' by (-) $175! Coop Boasts Quiet Park Setting on Dead End Loop at the end of a Private (LIKE) Drive/Street, Beautifully kept/maintained/closed circuit buildings! EZ/ Quick Board. (700+ Credit, 2 + years on the job + $45k + Income & you're qualified to pass the board) You Can Own This 2BR Unit for Less than $1250 A month after 10% down payment(5% mort interest /30 years) & monthly maint' ~ Take off -$175(star) = less than $1070 TO OWN a 2 BR?! WoW!!! Call & Make An Appointment to See This One TODAY!

20. 2015-12-31
    listed $120,000 Active 1048-char remark

    Show marketing remark (1025 chars)

    Large/Bright Unit w/Nicely Appointed Rooms/Floor Plan PLUS Updated Kitchen & New paint job... Larger 2 Bedroom w/separate dinette area. Sunny & Bright thru out w/nice floor plan! Complex Grounds are WELL manicured w/nice landscaping & NEW: Playground/Park Benches & Tables. One of (If Not THE) BEST OVER All Values in a 100 Mile Radius 1 of Westchester's LOWEST Maint w/Strongest Financials! Take A LQQk at the Pictures & Call to See it today! STAR (tax) Reduction REDUCES Monthly Maint' by (-) $175! Coop Boasts Quiet Park Setting on Dead End Loop at the end of a Private (LIKE) Drive/Street, Beautifully kept/maintained/closed circuit buildings! EZ/ Quick Board.(700+ Credit, 2 + years on the job + $45k + Income & you're qualified to pass the board) You Can Own This 2BR Unit for Less than $1250 A month after 10% down payment(5% mort interest /30 years) & monthly maint' ~ Take off -$175(star) = less than $1070 TO OWN a 2 BR?! WoW!!! Call & Make An Appointment to See This One TODAY!

21. 2015-12-31
    listed $120,000 1025-char remark

    Show marketing remark (1025 chars)

    Large/Bright Unit w/Nicely Appointed Rooms/Floor Plan PLUS Updated Kitchen & New paint job... Larger 2 Bedroom w/separate dinette area. Sunny & Bright thru out w/nice floor plan! Complex Grounds are WELL manicured w/nice landscaping & NEW: Playground/Park Benches & Tables. One of (If Not THE) BEST OVER All Values in a 100 Mile Radius 1 of Westchester's LOWEST Maint w/Strongest Financials! Take A LQQk at the Pictures & Call to See it today! STAR (tax) Reduction REDUCES Monthly Maint' by (-) $175! Coop Boasts Quiet Park Setting on Dead End Loop at the end of a Private (LIKE) Drive/Street, Beautifully kept/maintained/closed circuit buildings! EZ/ Quick Board.(700+ Credit, 2 + years on the job + $45k + Income & you're qualified to pass the board) You Can Own This 2BR Unit for Less than $1250 A month after 10% down payment(5% mort interest /30 years) & monthly maint' ~ Take off -$175(star) = less than $1070 TO OWN a 2 BR?! WoW!!! Call & Make An Appointment to See This One TODAY!

ⓘ 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 6/10 Major 7 d/yr ≥98°F today · 14 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 6 unhealthy d/yr today · 8 by 30 yrs out

Taxation est. · year 1

• Rental income: $33,513
• − Mortgage interest: −$10,251
• − Property taxes: −$2,745
• − Insurance: −$915
• − Repairs & maintenance: −$2,681
• − Management: −$2,681
• − HOA: −$1,068
• − Depreciation: −$5,324
• Taxable income: $7,849
• Est. tax owed @ 24.0%: −$1,884
• After-tax cash flow: $8,348/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: Mount Vernon School District
• NCES district ID: 3620100
• Math proficiency: 35% ▼ -3.00%
• Reading proficiency: 50% ▲ 6.00%
• Median HH income: $50,890
• Composite: 36.59/100
• National rank: #4631
• State rank: #485 of 590 in NY

Livability — Mount Vernon

• Score: 71/100
• State rank: #397
• US rank: #6876

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Mount Vernon, NY
• County: Westchester County · 709,332 people
• City population: 61,313
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• Population (ZIP): 22,341
• Household income: $96,717
• Rent vs Own: 35.3% rent · 64.7% own
• Severe rent burden: 652.0

Population outlook (Westchester County) Hauer SSP2

• Today (2025): 1,028,035 people
• By 2030: 1,051,636 · +2.3%
• By 2040: 1,098,520 · +6.9%
• By 2050: 1,136,044 · +10.5%
• By 2075: 1,196,925 · +16.4%
• By 2100: 1,175,147 · +14.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Highly diverse neighborhood (Simpson 0.72)
• Race & ethnicity: Black 39% White 31% Hispanic / Latino 17% Two or more races 7% Asian 5%
• Hispanic origin (detail): Puerto Rican 5% Dominican 6%
• Common ancestry: Russian 2% Estonian 2% Hispanic 1%
• Foreign-born: 27% · Canada, China
• Languages at home: 74% English-only · Spanish 12% Other Indo-European 7% French/Haitian/Cajun 2%

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: ▼ -393.94%
• Current HPI: 244.3166
• Rent YoY: ▲ 7.04%
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• State GDP YoY: ▲ 2.60%
• F500 in state: 92

Industry mix (Fortune 500 HQ in NY)

Industry	F500 HQs	Revenue
▸Financial Services	10	$950B
▸Consumer Goods	9	$162B
▸Insurance	4	$225B
▸Telecommunications	2	$144B
▸Pharmaceuticals	2	$112B
▸Media / Entertainment	2	$69B

Price history

+52.5% since first listed

8 events — show timeline

• 2026-05-20 Listed $183,000 OneKey® MLS as Distributed by MLS Grid
• 2016-06-21 Sold (MLS) $110,000 HGMLS
• 2016-06-21 Price Changed $110,000 HGMLS
• 2016-06-20 Sold (MLS) $110,000 OneKey® MLS as Distributed by MLS Grid
• 2016-04-13 Contingent — HGMLS
• 2016-04-12 Price Changed $120,000 HGMLS
• 2015-12-31 Listed $120,000 HGMLS
• 2015-12-31 Listed $120,000 OneKey® MLS as Distributed by MLS Grid