Triplex
15 Halley St · Yonkers, 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 1/10 · Minimal
- 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 5/10 · Moderate
- Unhealthy air days now
- 6 days/yr
- Unhealthy air days in 30 yrs
- 8 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the A- 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
- ARV discount +15.0/15.0
- 1% rule +10.0/10.0
- DSCR +10.0/10.0
- Schools +5.9/10.0
- Rent growth +5.0/5.0
- Condition / age +3.8/5.0
- Livability +3.4/5.0
- Appreciation +0.0/10.0
$899,000
15 Halley St · Yonkers, NY 10704
3 bd · 2.0 ba · 1,530 sqft · MultiFamily
public records
· 94 Days on market
Built 1956
4,792 sqft lot
Garage
$588/sqft
· at area comps
Est $1.265M · 29% under
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Multi-family units
County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 3 units. confirmed
Listing remarks MLS
Great opportunity to own a 3 family home with huge potential and solid rental income. Quiet street close to shopping, transportation and local amenities. Basement unit, 2 bedroom main/owner unit, and upstairs apartment, all with separate entrances, separate electricity and gas. One furnace. Lots of upside and a chance to own and have the rent help pay the mortgage. Awaits your touches and improvements. Qualifies for first time home buyer financing. A very solid house with a convenient location.
Key facts
- 4,792 sq ft lot
- Garage
- Built 1956
Neighborhood map
Sold within
Property
Rental comp
Retail
Costco
Walmart
Transit
Schools
Stadiums
Fortune 500
· Circle radius: 6.0 mi
Loading POIs…
What this means for you Summary
Snapshot
- This is a 3 × 4-bed/3.0-bath units multifamily listed at $899k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $7k ($82k/yr) — positive. Per door: $2k/mo.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($15k rent vs $899k).
- Recommended offer: $818k (9.0% below list) — sets the bar for market timing.
- Cap rate 15.4% vs local median 5.4% in Yonkers — 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 68/100 on livability (#528 in NY) — a middle-class / working-renter tenant base. Strengths: employment A, commute B; Watch: amenities F, cost of living F.
- Yonkers City School District (suburban): math 41% / reading 54% proficiency, ranked #413 of 590 in NY (top 70%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 64% free/reduced lunch — lower-income household profile, screen leases tightly.
- Zoned schools: Yonkers Early Childhood Academy (327 students, 72% FRL); Yonkers Middle School (math 17% / reading 37%, grade F, #587 of 729 statewide, top 81%, 601 students, 88% FRL); Yonkers High School (math 92% / reading 88%, grade A+, #238 of 1,100 statewide, top 23%, 1,060 students, 76% FRL) — zoned schools average 79% FRL vs 64% district-wide (15 pts higher); higher-poverty schools than district average — tighter screening recommended.
- Market conditions: Rents rising fast (+21.0%/yr); 211 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 68d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 72% of comp listings sitting > 30 days — soft ceiling on asking rent; 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 $6k of loan paydown is wiped out by about $27k 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 + 8.0% rent growth), your $252k cash investment doubles in ~4 years — after that, you're playing with house money.
Negotiation context
- It's been on market 94 days — a 9% lower offer ($818k) is reasonable based on typical stale-listing flexibility.
- 3 sale attempts since 10y ago; this cycle's ask has dropped $50k (5%) from the opening price — seller is motivated, your offer sets the floor, not the list.
- Current owner paid $421k; list at $899k implies a 114% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Watch-outs: built in 1956 — 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
$818,090
(9.0% below list)
Questions for the listing agent
- It's been on market 94 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
- Can we see the unit-by-unit rent roll, current vacancy, and any below-market leases? What's the average tenancy length?
- What capital expenditures (roof, boiler, parking lot, exteriors) have been made in the last 5 years, and what's planned in the next 2?
- Built in 1956 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- 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
- 1.71% ✓
- Cap rate
- 15.41%
- Cash-on-cash
- 32.57%
- DSCR
- 2.45
- GRM
- 4.9
CMA / ARV
- ARV (median comp)
- $1,264,812
- List price
- $899,000
- Delta
- -28.92%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 11 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 1121 Mile Square Rd | 0.06mi | 2/2.0 (-1) | 1,561 (+2%) | 12mo | $560,000 | $359 | 79 |
| 218 N High St | 0.41mi | 3/2.0 | 1,548 (+1%) | 12mo | $600,000 | $388 | 68 |
| 329 N 7th Ave | 0.51mi | 4/2.0 (+1) | 1,527 (-0%) | 7mo | $630,000 | $413 | 65 |
| 49 - 51 Ridgewood Ave | 0.50mi | 4/2.0 (+1) | 1,674 (+9%) | 4mo | $650,000 | $388 | 52 |
| 139 Page Ave | 0.68mi | 3/2.0 | 1,488 (-3%) | 15mo | $758,000 | $509 | 51 |
| 37 S Bleeker St | 0.68mi | 3/2.0 | 1,400 (-8%) | 4mo | $470,000 | $336 | 50 |
| 4 aka 10 Nolan Ave | 0.38mi | 4/2.0 (+1) | 1,440 (-6%) | 24mo | $780,000 | $542 | 48 |
| 41 Rochelle Ter | 0.55mi | 4/2.0 (+1) | 1,742 (+14%) | 1mo | $730,000 | $419 | 45 |
| 138 N 7th Ave | 0.58mi | 2/1.0 (-1) | 1,540 (+1%) | 22mo | $450,000 | $292 | 44 |
| 164 Edgewood Ave | 0.30mi | 4/2.0 (+1) | 1,700 (+11%) | 24mo | $800,000 | $471 | 43 |
| 25 Abner Pl | 0.67mi | 3/2.5 | 1,449 (-5%) | 21mo | $625,000 | $431 | 40 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-3.0% appreciation · 8.0% rent growth · sell at horizon
5-year hold
- IRR
- 32.8%
- Equity multiple
- 2.47×
- Total profit
- $370,327
- Equity at exit
- $134,044
10-year hold
- IRR
- 42.3%
- Equity multiple
- 5.97×
- Total profit
- $1,251,046
- Equity at exit
- $77,729
Cash invested: $251,720 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (CITY)
- 5 Strongly Tenant-Friendly
- State New York
- 15 Strongly Tenant-Friendly · D+10
- County
- — inherits STATE
- City Yonkers
- 5 Strongly Tenant-Friendly · D+20
Westchester rent guidelines board.
Seller's market
Market conditions
within 1.0 mi — comparable homes for sale
Active competition Active MLS
- For sale now
- 2 active · 1 under contract
- Months of supply
- 2.0 mo (50%/mo absorbed)
- Median asking
- $774,500 ($463/sqft)
- Median days on market
- 75 d
- This list price
- 100% of active listings are priced below it
- ARV vs active asking
- +78.7% above current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 10704
- Rents YoY
- 21.0%
- Active inventory
- 211
- Price-to-rent
- 14.6×
Monthly cashflow live
↻
- Estimated rent
- $15,366 medium interval (Pro) →
- Mortgage (P&I)
- −$4,714
- Tax from tax record
- −$218 /mo · $2,619/yr
- Insurance
- −$375
- HOA
- −$0
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$3,227
- Net cashflow
- $6,832
3-unit breakdown (identical units grouped — click to expand)
| Units | Beds | Baths | Est. rent |
|---|---|---|---|
| 3× units | 4 | 3 | $15,366 |
| #1 | 4 | 3 | $5,122 |
| #2 | 4 | 3 | $5,122 |
| #3 | 4 | 3 | $5,122 |
| Total (3 units) | $15,366 | ||
Break-even live
Break-even rent
$6,718
Max offer price
$899,000
Occupancy floor
51%
Sensitivity live
| Price | -10% $7,341 | -5% $7,086 | +0% $6,832 | +5% $6,577 | +10% $6,323 |
|---|---|---|---|---|---|
| Rent | -10% $5,618 | -5% $6,225 | +0% $6,832 | +5% $7,439 | +10% $8,046 |
| Rate | -1.0pp $7,285 | -0.5pp $7,060 | base $6,832 | +0.5pp $6,599 | +1.0pp $6,362 |
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
- $224,750
- Closing costs
- $26,970
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 9 Virginia St Unit 2 Yonkers, NY | 3.0 | 1.0 | 2664 | $3,300 | $1.24 | 38d | 1 | 0.11mi |
| 16 Sherwood Ave Yonkers, NY | 4.0 | 1.0 | — | $3,711 | — | 93d | 1 | 0.33mi |
| 83 Maple Pl Yonkers, NY | 3.0 | 2.0 | — | $3,600 | — | 93d | 1 | 0.35mi |
| 99 Thurton Pl Unit 1 Yonkers, NY | 3.0 | 4.0 | 2500 | $6,000 | $2.40 | 66d | 1 | 0.37mi |
| 99 Thurton Pl Unit 2 Yonkers, NY | 3.0 | 4.0 | 2500 | $6,000 | $2.40 | 93d | 1 | 0.37mi |
| 97 Thurton Pl Unit 1 Yonkers, NY | 3.0 | 4.0 | 2500 | $6,000 | $2.40 | 93d | 1 | 0.37mi |
| 97 Thurton Pl Unit 2 Yonkers, NY | 3.0 | 4.0 | 2500 | $6,000 | $2.40 | 66d | 1 | 0.37mi |
| 101 Thurton Pl Unit 1 Yonkers, NY | 3.0 | 4.0 | 2500 | $6,000 | $2.40 | 93d | 1 | 0.37mi |
| 93 Thurton Pl Unit 2 Yonkers, NY | 3.0 | 4.0 | 2500 | $6,000 | $2.40 | 93d | 1 | 0.37mi |
| 93 Thurton Pl Unit 1 Yonkers, NY | 3.0 | 4.0 | 2500 | $6,000 | $2.40 | 66d | 1 | 0.37mi |
| 89 Thurton Pl Unit 2 Yonkers, NY | 3.0 | 4.0 | 2500 | $6,000 | $2.40 | 93d | 1 | 0.37mi |
| 1179 Yonkers Ave Unit 1 Yonkers, NY | 3.0 | 1.0 | — | $3,500 | — | 73d | 1 | 0.38mi |
| 1179 Yonkers Ave Yonkers, NY | 3.0 | 1.0 | — | $3,300 | — | 73d | 1 | 0.38mi |
| 138 Mount Vernon Ave Unit 3 Mt Vernon, NY | 3.0 | 1.0 | — | $3,500 | — | 68d | 1 | 0.50mi |
| 6 Belden Ave Unit 1 Yonkers, NY | 3.0 | 2.0 | 1450 | $3,500 | $2.41 | 73d | 1 | 0.50mi |
| 105 N High St Mount Vernon, NY | 3.0 | 1.0 | — | $2,400 | — | 23d | 1 | 0.50mi |
| 203 N 9th Ave Mount Vernon, NY | 3.0 | 1.0 | — | $3,200 | — | 73d | 1 | 0.50mi |
| 228 N 7th Ave Unit 1 Mt Vernon, NY | 3.0 | 2.0 | 1600 | $4,500 | $2.81 | 38d | 1 | 0.54mi |
| 2 Yonkers Ter Yonkers, NY | 3.0 | 1.0 | — | $3,500 | — | 93d | 1 | 0.61mi |
| 106 W Sidney Ave Mt Vernon, NY | 3.0 | 1.0 | — | $2,950 | — | 73d | 1 | 0.61mi |
| 10 N Bond St Unit 1 Mt Vernon, NY | 3.0 | 1.0 | — | $3,200 | — | 43d | 1 | 0.63mi |
| 112 N 6th Ave Unit 3 Mt Vernon, NY | 3.0 | 1.0 | — | $2,900 | — | 73d | 1 | 0.66mi |
| 51 S High St Mount Vernon, NY | 3.0 | 1.0 | — | $3,200 | — | 73d | 1 | 0.67mi |
| 131 Huntsbridge Rd Unit 2 Yonkers, NY | 3.0 | 1.5 | 1297 | $3,500 | $2.70 | 25d | 1 | 0.69mi |
| 23 Kenyon Pl Mount Vernon, NY | 3.0 | 3.0 | 1800 | $3,300 | $1.83 | 19d | 1 | 0.72mi |
| 84 Page Ave Yonkers, NY | 3.0 | 2.0 | 1440 | $4,000 | $2.78 | 23d | 1 | 0.73mi |
| 42 Broad St W Mount Vernon, NY | 3.0 | 1.0–2.0 | 1014 | $6,204 | $6.12 | 73d | 15 | 0.77mi |
| 42 Broad St W Mount Vernon, NY | 3.0 | 1.0–2.0 | 955 | $5,008 | $5.24 | 0d | 28 | 0.77mi |
| 65 Hunts Bridge Rd Yonkers, NY | 3.0 | 1.0 | 1600 | $3,500 | $2.19 | 63d | 1 | 0.79mi |
| 173 Crary Ave Mount Vernon, NY | 3.0 | 2.0 | 1100 | $3,100 | $2.82 | 73d | 1 | 0.80mi |
| 82 Laurel Pl #2 Yonkers, NY | 3.0 | 1.0 | 1600 | $3,300 | $2.06 | 17d | 1 | 0.81mi |
| 21 E Cedar St Mount Vernon, NY | 3.0 | 1.0 | 2600 | $3,750 | $1.44 | 70d | 1 | 0.81mi |
| 23 Mansion Ave Unit 2 Yonkers, NY | 3.0 | 1.0 | — | $3,700 | — | 0d | 1 | 0.85mi |
| 1160 Midland Ave Yonkers, NY | 1.0–3.0 | 1.0–2.0 | 1116 | $4,500 | $4.03 | 8d | 2 | 0.89mi |
| 23 Barnes Ave Bronx, NY | 3.0 | 1.0 | — | $3,758 | — | 26d | 1 | 0.94mi |
| 231 Barnes Ave Bronx, NY | 3.0 | 1.0 | — | $3,758 | — | 28d | 1 | 0.95mi |
| 231 Barnes Ave Unit 1 Bronx, NY | 3.0 | 1.0 | — | $3,758 | — | 42d | 1 | 0.95mi |
| 112 S 12th Ave Mt Vernon, NY | 3.0 | 1.0 | — | $3,300 | — | 52d | 1 | 0.96mi |
| 112 S 12th Ave Mt Vernon, NY | 3.0 | 1.0 | — | $3,300 | — | 71d | 1 | 0.96mi |
| 112 S 12th Ave Apt 1 Mt Vernon, NY | 3.0 | 1.0 | — | $3,300 | — | 19d | 1 | 0.96mi |
Property features AI
Exterior
- Parking
- DrivewayGarageTwo total parking spaces (including 1 garage space)
- Utilities
- Electricity connected (Con-Edison)Public water connectedPublic sewerTrash collection (public)
- Home design
- TriplexUpdated/remodeled condition
- Construction
- Aluminum siding, brick and frame construction
- Exterior features
- Back yardFront yardLandscaped yardPatioNear public transitNear shopsNear schoolNot waterfront
Interior
- Kitchen
- Eat-in kitchenGranite counters
- Bedrooms
- Two 1-bedroom unitsOne 2-bedroom unit
- Flooring
- Hardwood floors
- Bathrooms
- Three full bathrooms
- Heating & cooling
- Hot water heating (oil)Wall/window air conditioning units
- Interior features
- Eat-in kitchenEntrance foyerGranite countersStoragePatio
- Laundry & utility
- Laundry in basementFull basementPartial attic with storage
Listing history 50 events
-
2026-08-08days on market $899,000 Active 94 DOM
-
2026-08-06days on market $899,000 Active 92 DOM
-
2026-08-05days on market $899,000 Active 91 DOM
-
2026-08-04days on market $899,000 Active 90 DOM
-
2026-08-03days on market $899,000 Active 89 DOM
-
2026-07-31days on market $899,000 Active 86 DOM
-
2026-07-30days on market $899,000 Active 84 DOM
-
2026-07-28days on market $899,000 Active 83 DOM
-
2026-07-26days on market $899,000 Active 81 DOM
-
2026-07-24days on market $899,000 Active 79 DOM
-
2026-07-23days on market $899,000 Active 78 DOM
-
2026-07-22days on market $899,000 Active 77 DOM
-
2026-07-21days on market $899,000 Active 76 DOM
-
2026-07-20days on market $899,000 Active 75 DOM
-
2026-07-18days on market $899,000 Active 73 DOM
-
2026-07-18days on market $899,000 Active 72 DOM
-
2026-07-16days on market $899,000 Active 71 DOM
-
2026-07-15days on market $899,000 Active 70 DOM
-
2026-07-14days on market $899,000 Active 69 DOM
-
2026-07-13days on market $899,000 Active 68 DOM
-
2026-07-13days on market $899,000 Active 67 DOM
-
2026-07-11days on market $899,000 Active 66 DOM
-
2026-07-10days on market $899,000 Active 65 DOM
-
2026-07-09days on market $899,000 Active 64 DOM
-
2026-07-07days on market $899,000 Active 62 DOM
-
2026-07-06days on market $899,000 Active 61 DOM
-
2026-07-06days on market $899,000 Active 60 DOM
-
2026-07-05days on market $899,000 Active 59 DOM
-
2026-07-03days on market $899,000 Active 58 DOM
-
2026-07-02days on market $899,000 Active 57 DOM
-
2026-07-01days on market $899,000 Active 56 DOM
-
2026-06-30days on market $899,000 Active 55 DOM
-
2026-06-29days on market $899,000 Active 54 DOM
-
2026-06-28days on market $899,000 Active 53 DOM
-
2026-06-27days on market $899,000 Active 52 DOM
-
2026-06-26days on market $899,000 Active 51 DOM
-
2026-06-24days on market $899,000 Active 49 DOM
-
2026-06-22days on market $899,000 Active 47 DOM
-
2026-06-21days on market $899,000 Active 46 DOM
-
2026-06-18days on market $899,000 Active 43 DOM
-
2026-06-17days on market $899,000 Active 42 DOM
-
2026-06-16days on market $899,000 Active 41 DOM
-
2026-06-15days on market $899,000 Active 40 DOM
-
2026-06-13days on market $899,000 Active 38 DOM
-
2026-06-09days on market $899,000 Active 34 DOM
-
2026-06-08days on market $899,000 Active 33 DOM
-
2026-06-07pricedays on market $899,000 Active 32 DOM
-
2026-06-04days on market $949,000 Active 29 DOM
-
2026-06-03days on market $949,000 Active 28 DOM
-
2026-06-02days on market $949,000 Active 27 DOM
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast NY · Partial reset (capped growth)
- Current annual tax
- $2,619 · $218/mo
- Projected year-2 tax
- $8,906 · $742/mo
- Expected delta
- +$6,287/yr (+$524/mo · 240.0%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
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 · 15 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
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $184,392
- − Mortgage interest
- −$50,358
- − Property taxes
- −$2,619
- − Insurance
- −$4,495
- − Repairs & maintenance
- −$14,751
- − Management
- −$14,751
- − Depreciation
- −$26,153
- Taxable income
- $71,264
combined federal + state — saved on this device
- Est. tax owed @ 24.0%
- −$17,103
- After-tax cash flow
- $64,878/yr
For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.
Condition & rehab AI · 9 photos
75/100
Cosmetic rehab
Est. rehab $7,650–$22,950 screening
This legal 3-family home is in good condition with updated kitchens and bathrooms, and well-maintained exterior and interior. Painting and minor updates will further enhance its curb appeal and value.
Value-add opportunities
- Both Painting the exterior siding and repainting the interior walls — Painting will enhance the curb appeal and interior aesthetics, making the home more attractive to potential buyers and renters. ↑
- Resale Updating the kitchen appliances — Upgrading the appliances will make the kitchen more appealing to potential buyers. ↑
- Resale Updating the bathrooms with new fixtures — Updating the bathrooms will make the home more appealing to potential buyers. ↑
ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.
D
Composite school gradezoned avg 58/100
Zoned Schools
Elementary
Yonkers Early Childhood Academy
Middle
Yonkers Middle School
F
NY #587/729
Nat'l #9,793/14,009
High
Yonkers High School
A+
NY #238/1,100
Nat'l #387/17,239
Schools (NCES district)
- District
- Yonkers City School District
- NCES district ID
- 3631920
- Math proficiency
- 41% ▼ -1.00%
- Reading proficiency
- 54% ▲ 14.00%
- Median HH income
- $58,042
- Composite
- 41.43/100
- National rank
- #3471
- State rank
- #413 of 590 in NY
C
Composite livability gradescore 68/100
Livability — Yonkers
- Score
- 68/100
- State rank
- #528
- US rank
- #9394
Category grades
Amenities F
Commute B
Cost of living F
Crime B-
Employment A
Housing B-
Health & safety B-
User ratings B-
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Yonkers, NY
- County
- Westchester County · 1,028,035 people
- City population
- 212,407
- Metro
- New York-Newark-Jersey City, NY-NJ-PA
- Population (ZIP)
- 31,921
- Household income
- $106,786
- Rent vs Own
- Severe rent burden
- 10% of renters
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 0.64)
- Race & ethnicity
- White 50% Hispanic / Latino 32% Two or more races 15% Black 7% Asian 5%
- Hispanic origin (detail)
- Mexican 1% Puerto Rican 11% Cuban 2% Dominican 9%
- Common ancestry
- Romanian 2% Subsaharan African 2% Scotch-Irish 2%
- Foreign-born
- 32% · Canada, Jamaica, China
- Languages at home
- 54% English-only · Spanish 25% Other Indo-European 13% Russian/Polish/Slavic 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
- ▼ -466.66%
- Current HPI
- 293.4414
- Rent YoY
- ▲ 21.03%
- 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
+226.9% since first listed11 events — show timeline
- 2026-06-04 Price Changed $899,000 OneKey® MLS as Distributed by MLS Grid
- 2026-05-06 Listed $949,000 OneKey® MLS as Distributed by MLS Grid
- 2016-05-26 Sold (Public Records) $421,000 Public Records
- 2016-05-21 Price Changed $399,900 HGMLS
- 2016-05-21 Sold (MLS) $421,000 HGMLS
- 2016-05-20 Sold (MLS) $421,000 OneKey® MLS as Distributed by MLS Grid
- 2016-02-24 Contingent — HGMLS
- 2016-02-24 Price Changed $421,000 HGMLS
- 2016-01-21 Listed $399,900 HGMLS
- 2016-01-21 Listed $399,900 OneKey® MLS as Distributed by MLS Grid
- 2015-11-10 Sold (Public Records) $275,000 Public Records
Property tax history
-24.9%/yrLatest (2025): $2,619 · +0.5% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…