345 Bronx River Rd Unit 4D · Yonkers, NY 10704

$259,000

2 bd · 1.0 ba · 950 sqft · Condo · 39 Days on market

Built 1960

---

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 +20.5/30.0
• ARV discount +7.5/15.0
• DSCR +6.5/10.0
• 1% rule +5.4/10.0
• Rent growth +5.0/5.0
• Schools +4.1/10.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Exquisite renovated 2 Bedroom Junior 4 Co-Op in sought after building. Entry hallway with beautiful chandelier is large enough for a dining room table. Brand new kitchen and bathroom. Eat-in-kitchen has stainless steel appliances, quartz counter tops, lots of cabinet space-white lacquer cabinets with gold accent hardware, matching backsplash and floor tile. Very large living room-great for entertaining-with brand new crystal "fandilier". New bathroom with beautiful floor to ceiling maintenance free tiling, accented by ocean blue border tile, silver hardware and granite cabinet top with beautiful crystal lighting. Oversized master bedroom with all new carpeting and ceiling fan, 2 closets and easily fits a kings sized bedroom set. Nicely sized 2nd bedroom/office with new ceiling fan and new carpeting. Community pool-extra charge-opening is still uncertain. Conveniently located; across from Mt. Vernon West Metro North station, close to stores, public trans, restaurants, etc. 1 outside parking space is $50 per month. Waitlist for indoor parking space. Won't Last! Make this your own! Additional Information: HeatingFuel:Oil Above Ground,

Key facts

• Modern sleek kitchen
• Assigned parking
• On-site laundry

Tags

• MODERN SLEEK KITCHEN
• STAINLESS STEEL APPLIANCES
• ASSIGNED PARKING
• ON-SITE LAUNDRY
• LIVE-IN SUPERINTENDENT
• SECURITY CAMERA MONITORING

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath condo listed at $259k.

Deal economics

• At list price, monthly cash flow is $341 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $259k).
• Recommended offer: $251k (3.0% below list) — sets the bar for market timing.
• Cap rate 7.9% vs local median 5.3% 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); 165 active listings in the ZIP; 40 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).
• This rent runs 30% of the median local income ($107k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k 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 $73k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 39 days — a 3% lower offer ($251k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 5y 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 $225k; 15% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• 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 $251,230 (3.0% below list)

Questions for the listing agent

1. It's been on market 39 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 1960 — 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: 1.04% ✓
• Cap rate: 7.87%
• Cash-on-cash: 5.63%
• DSCR: 1.25
• GRM: 8.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -2.1%
• Equity multiple: 0.92×
• Total profit: $-5,989
• Equity at exit: $38,618

10-year hold

• IRR: 12.4%
• Equity multiple: 2.21×
• Total profit: $87,743
• Equity at exit: $22,394

Cash invested: $72,520 (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.

Methodology + full state rankings →

ZIP-level market 10704

• Rents YoY: 21.0%
• Active inventory: 165
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $2,697 high
• Mortgage (P&I): −$1,358
• Tax est. 1.5%: −$324 /mo · $3,885/yr
• Insurance: −$108
• HOA: −$0
• Vacancy / Maint / Mgmt: −$566
• Net cashflow: $341

Break-even live

Break-even rent $2,266

Max offer price $259,000

Occupancy floor 82%

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: $64,750
• Closing costs: $7,770
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
20 Overhill Pl Unit 3 Yonkers, NY	2.0	1.0	800	$3,000	$3.75	43d	1	0.12mi
255 Bronx River Rd Unit 4R Yonkers, NY	1.0	1.0	800	$2,250	$2.81	24d	1	0.22mi
216 1st St Unit 1 Yonkers, NY	1.0	1.0	600	$2,000	$3.33	43d	1	0.36mi
2325 Cortlandt St Unit 4 Mt Vernon, NY	2.0	1.0	700	$2,300	$3.29	24d	1	0.38mi
18 N Bond St Unit 3D Mt Vernon, NY	1.0	1.0	750	$2,000	$2.67	24d	1	0.41mi
13 N Bond St Mount Vernon, NY	1.0	1.0	600	$1,785	$2.98	24d	1	0.43mi
32 N Bond St Mount Vernon, NY	1.0	1.0	850	$1,900	$2.24	7d	1	0.43mi
495 Kimball Ave Unit First Floor Yonkers, NY	2.0	1.0	1100	$3,000	$2.73	43d	1	0.44mi
86 Edgewood Ave Apt 2E Yonkers, NY	2.0	1.0	1000	$2,599	$2.60	19d	1	0.50mi
86 Edgewood Ave Unit 2W Yonkers, NY	2.0	1.0	1000	$2,699	$2.70	43d	1	0.50mi
135 Wakefield Ave Yonkers, NY	2.0	1.0	850	$3,000	$3.53	43d	2	0.50mi
14 Elm St Unit 2 Mt Vernon, NY	2.0	1.0	1000	$2,800	$2.80	24d	1	0.50mi
119 S 13th Ave Mount Vernon, NY	2.0	1.0	800	$2,997	$3.75	13d	1	0.60mi
142 Trenchard St Unit 2E Yonkers, NY	1.0	1.0	900	$2,250	$2.50	11d	1	0.61mi
119 S 11th Ave Unit 1 Mt Vernon, NY	2.0	1.0	700	$2,800	$4.00	11d	1	0.66mi
103 North St Mount Vernon, NY	1.0	1.0	720	$1,900	$2.64	20d	1	0.68mi
230 N 7th Ave Unit 2 Mt Vernon, NY	1.0	1.0	950	$2,300	$2.42	10d	1	0.74mi
200 Crescent Pl Unit 2nd fl Yonkers, NY	1.0	1.0	800	$2,300	$2.88	17d	1	0.76mi
12 Putnam St Mount Vernon, NY	2.0	1.0	950	$2,600	$2.74	24d	1	0.76mi
671 Bronx River Rd Unit 3A Yonkers, NY	2.0	1.5	950	$3,000	$3.16	24d	1	0.80mi
150 S 6th Ave Unit 2 Mt Vernon, NY	1.0	1.0	800	$2,500	$3.12	7d	1	0.88mi
150 S 6th Ave Unit 2 Mt Vernon, NY	1.0	1.0	800	$2,500	$3.12	17d	1	0.88mi
173 Crary Ave Mount Vernon, NY	3.0	2.0	1100	$3,100	$2.82	24d	1	1.00mi
356 S Tenth Ave Unit 2nd Floor Mt Vernon, NY	3.0	2.0	1100	$3,850	$3.50	24d	1	1.04mi
33 William St Mount Vernon, NY	1.0–2.0	1.0	725	$2,675	$3.69	22d	2	1.06mi
645 N MacQuesten Pkwy Unit 3G Mt Vernon, NY	2.0	1.0	950	$3,195	$3.36	24d	1	1.09mi
669 N Terrace Ave Mount Vernon, NY	1.0	1.0	750	$2,031	$2.71	24d	1	1.17mi
257 S 2nd Ave Mount Vernon, NY	1.0	1.0	800	$2,250	$2.81	24d	1	1.18mi
80 W Grand St Mount Vernon, NY	1.0	1.0	850	$1,942	$2.28	24d	1	1.19mi
7 Monroe St Unit 3A Mt Vernon, NY	2.0	1.0	600	$2,200	$3.67	19d	1	1.24mi
173 Washington St Unit 1 Mt Vernon, NY	3.0	2.0	1100	$3,000	$2.73	24d	1	1.25mi
42 Broad St W Mount Vernon, NY	3.0	1.0–2.0	1014	$5,080	$5.01	24d	15	1.26mi
42 Broad St W Mount Vernon, NY	3.0	1.0–2.0	955	$3,199	$3.35	2d	16	1.26mi
675 McLean Ave Unit 006H Yonkers, NY	1.0	1.0	577	$2,071	$3.59	4d	1	1.27mi
23 Alida St Unit 2s Yonkers, NY	2.0	1.0	1000	$2,900	$2.90	24d	1	1.27mi
429 S 3rd Ave Mount Vernon, NY	1.0	1.0	600	$2,300	$3.83	4d	1	1.33mi
148 Claremont Ave Mount Vernon, NY	2.0	1.0	960	$2,400	$2.50	19d	1	1.37mi
594 Yonkers Ave Unit 5 Yonkers, NY	2.0	1.0	900	$2,500	$2.78	24d	1	1.40mi
594 Yonkers Ave Unit 5 Yonkers, NY	2.0	1.0	900	$2,500	$2.78	43d	1	1.40mi
28 Tunis Ave Unit 2 Yonkers, NY	2.0	1.0	900	$3,000	$3.33	43d	1	1.46mi

HOA detail condo

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

Listing history 11 events

1. 2026-03-27
   status Pending
2. 2026-02-16
   listed $259,000 Active
3. 2022-03-18
   soldstatus $225,000 Closed 1159-char remark

   Show marketing remark (1159 chars)

   Exquisite renovated 2 Bedroom Junior 4 Co-Op in sought after building. Entry hallway with beautiful chandelier is large enough for a dining room table. Brand new kitchen and bathroom. Eat-in-kitchen has stainless steel appliances, quartz counter tops, lots of cabinet space-white lacquer cabinets with gold accent hardware, matching backsplash and floor tile. Very large living room-great for entertaining-with brand new crystal "fandilier". New bathroom with beautiful floor to ceiling maintenance free tiling, accented by ocean blue border tile, silver hardware and granite cabinet top with beautiful crystal lighting. Oversized master bedroom with all new carpeting and ceiling fan, 2 closets and easily fits a kings sized bedroom set. Nicely sized 2nd bedroom/office with new ceiling fan and new carpeting. Community pool-extra charge-opening is still uncertain. Conveniently located; across from Mt. Vernon West Metro North station, close to stores, public trans, restaurants, etc. 1 outside parking space is $50 per month. Waitlist for indoor parking space. Won't Last! Make this your own! Additional Information: HeatingFuel:Oil Above Ground,

4. 2021-11-13
   status Pending 1159-char remark

   Show marketing remark (1159 chars)

   Exquisite renovated 2 Bedroom Junior 4 Co-Op in sought after building. Entry hallway with beautiful chandelier is large enough for a dining room table. Brand new kitchen and bathroom. Eat-in-kitchen has stainless steel appliances, quartz counter tops, lots of cabinet space-white lacquer cabinets with gold accent hardware, matching backsplash and floor tile. Very large living room-great for entertaining-with brand new crystal "fandilier". New bathroom with beautiful floor to ceiling maintenance free tiling, accented by ocean blue border tile, silver hardware and granite cabinet top with beautiful crystal lighting. Oversized master bedroom with all new carpeting and ceiling fan, 2 closets and easily fits a kings sized bedroom set. Nicely sized 2nd bedroom/office with new ceiling fan and new carpeting. Community pool-extra charge-opening is still uncertain. Conveniently located; across from Mt. Vernon West Metro North station, close to stores, public trans, restaurants, etc. 1 outside parking space is $50 per month. Waitlist for indoor parking space. Won't Last! Make this your own! Additional Information: HeatingFuel:Oil Above Ground,

5. 2021-09-17
   status Active 1159-char remark

   Show marketing remark (1159 chars)

   Exquisite renovated 2 Bedroom Junior 4 Co-Op in sought after building. Entry hallway with beautiful chandelier is large enough for a dining room table. Brand new kitchen and bathroom. Eat-in-kitchen has stainless steel appliances, quartz counter tops, lots of cabinet space-white lacquer cabinets with gold accent hardware, matching backsplash and floor tile. Very large living room-great for entertaining-with brand new crystal "fandilier". New bathroom with beautiful floor to ceiling maintenance free tiling, accented by ocean blue border tile, silver hardware and granite cabinet top with beautiful crystal lighting. Oversized master bedroom with all new carpeting and ceiling fan, 2 closets and easily fits a kings sized bedroom set. Nicely sized 2nd bedroom/office with new ceiling fan and new carpeting. Community pool-extra charge-opening is still uncertain. Conveniently located; across from Mt. Vernon West Metro North station, close to stores, public trans, restaurants, etc. 1 outside parking space is $50 per month. Waitlist for indoor parking space. Won't Last! Make this your own! Additional Information: HeatingFuel:Oil Above Ground,

6. 2021-09-17
   status Pending 1159-char remark

   Show marketing remark (1159 chars)

   Exquisite renovated 2 Bedroom Junior 4 Co-Op in sought after building. Entry hallway with beautiful chandelier is large enough for a dining room table. Brand new kitchen and bathroom. Eat-in-kitchen has stainless steel appliances, quartz counter tops, lots of cabinet space-white lacquer cabinets with gold accent hardware, matching backsplash and floor tile. Very large living room-great for entertaining-with brand new crystal "fandilier". New bathroom with beautiful floor to ceiling maintenance free tiling, accented by ocean blue border tile, silver hardware and granite cabinet top with beautiful crystal lighting. Oversized master bedroom with all new carpeting and ceiling fan, 2 closets and easily fits a kings sized bedroom set. Nicely sized 2nd bedroom/office with new ceiling fan and new carpeting. Community pool-extra charge-opening is still uncertain. Conveniently located; across from Mt. Vernon West Metro North station, close to stores, public trans, restaurants, etc. 1 outside parking space is $50 per month. Waitlist for indoor parking space. Won't Last! Make this your own! Additional Information: HeatingFuel:Oil Above Ground,

7. 2021-09-15
   price $229,999 1159-char remark

   Show marketing remark (1159 chars)

   Exquisite renovated 2 Bedroom Junior 4 Co-Op in sought after building. Entry hallway with beautiful chandelier is large enough for a dining room table. Brand new kitchen and bathroom. Eat-in-kitchen has stainless steel appliances, quartz counter tops, lots of cabinet space-white lacquer cabinets with gold accent hardware, matching backsplash and floor tile. Very large living room-great for entertaining-with brand new crystal "fandilier". New bathroom with beautiful floor to ceiling maintenance free tiling, accented by ocean blue border tile, silver hardware and granite cabinet top with beautiful crystal lighting. Oversized master bedroom with all new carpeting and ceiling fan, 2 closets and easily fits a kings sized bedroom set. Nicely sized 2nd bedroom/office with new ceiling fan and new carpeting. Community pool-extra charge-opening is still uncertain. Conveniently located; across from Mt. Vernon West Metro North station, close to stores, public trans, restaurants, etc. 1 outside parking space is $50 per month. Waitlist for indoor parking space. Won't Last! Make this your own! Additional Information: HeatingFuel:Oil Above Ground,

8. 2021-07-21
   price $239,999 1159-char remark

   Show marketing remark (1159 chars)

   Exquisite renovated 2 Bedroom Junior 4 Co-Op in sought after building. Entry hallway with beautiful chandelier is large enough for a dining room table. Brand new kitchen and bathroom. Eat-in-kitchen has stainless steel appliances, quartz counter tops, lots of cabinet space-white lacquer cabinets with gold accent hardware, matching backsplash and floor tile. Very large living room-great for entertaining-with brand new crystal "fandilier". New bathroom with beautiful floor to ceiling maintenance free tiling, accented by ocean blue border tile, silver hardware and granite cabinet top with beautiful crystal lighting. Oversized master bedroom with all new carpeting and ceiling fan, 2 closets and easily fits a kings sized bedroom set. Nicely sized 2nd bedroom/office with new ceiling fan and new carpeting. Community pool-extra charge-opening is still uncertain. Conveniently located; across from Mt. Vernon West Metro North station, close to stores, public trans, restaurants, etc. 1 outside parking space is $50 per month. Waitlist for indoor parking space. Won't Last! Make this your own! Additional Information: HeatingFuel:Oil Above Ground,

9. 2021-07-14
   price $245,000 1159-char remark

   Show marketing remark (1159 chars)

   Exquisite renovated 2 Bedroom Junior 4 Co-Op in sought after building. Entry hallway with beautiful chandelier is large enough for a dining room table. Brand new kitchen and bathroom. Eat-in-kitchen has stainless steel appliances, quartz counter tops, lots of cabinet space-white lacquer cabinets with gold accent hardware, matching backsplash and floor tile. Very large living room-great for entertaining-with brand new crystal "fandilier". New bathroom with beautiful floor to ceiling maintenance free tiling, accented by ocean blue border tile, silver hardware and granite cabinet top with beautiful crystal lighting. Oversized master bedroom with all new carpeting and ceiling fan, 2 closets and easily fits a kings sized bedroom set. Nicely sized 2nd bedroom/office with new ceiling fan and new carpeting. Community pool-extra charge-opening is still uncertain. Conveniently located; across from Mt. Vernon West Metro North station, close to stores, public trans, restaurants, etc. 1 outside parking space is $50 per month. Waitlist for indoor parking space. Won't Last! Make this your own! Additional Information: HeatingFuel:Oil Above Ground,

10. 2021-07-14
    price $239,999 1159-char remark

    Show marketing remark (1159 chars)

    Exquisite renovated 2 Bedroom Junior 4 Co-Op in sought after building. Entry hallway with beautiful chandelier is large enough for a dining room table. Brand new kitchen and bathroom. Eat-in-kitchen has stainless steel appliances, quartz counter tops, lots of cabinet space-white lacquer cabinets with gold accent hardware, matching backsplash and floor tile. Very large living room-great for entertaining-with brand new crystal "fandilier". New bathroom with beautiful floor to ceiling maintenance free tiling, accented by ocean blue border tile, silver hardware and granite cabinet top with beautiful crystal lighting. Oversized master bedroom with all new carpeting and ceiling fan, 2 closets and easily fits a kings sized bedroom set. Nicely sized 2nd bedroom/office with new ceiling fan and new carpeting. Community pool-extra charge-opening is still uncertain. Conveniently located; across from Mt. Vernon West Metro North station, close to stores, public trans, restaurants, etc. 1 outside parking space is $50 per month. Waitlist for indoor parking space. Won't Last! Make this your own! Additional Information: HeatingFuel:Oil Above Ground,

11. 2021-06-24
    listed $245,000 Active 1159-char remark

    Show marketing remark (1159 chars)

    Exquisite renovated 2 Bedroom Junior 4 Co-Op in sought after building. Entry hallway with beautiful chandelier is large enough for a dining room table. Brand new kitchen and bathroom. Eat-in-kitchen has stainless steel appliances, quartz counter tops, lots of cabinet space-white lacquer cabinets with gold accent hardware, matching backsplash and floor tile. Very large living room-great for entertaining-with brand new crystal "fandilier". New bathroom with beautiful floor to ceiling maintenance free tiling, accented by ocean blue border tile, silver hardware and granite cabinet top with beautiful crystal lighting. Oversized master bedroom with all new carpeting and ceiling fan, 2 closets and easily fits a kings sized bedroom set. Nicely sized 2nd bedroom/office with new ceiling fan and new carpeting. Community pool-extra charge-opening is still uncertain. Conveniently located; across from Mt. Vernon West Metro North station, close to stores, public trans, restaurants, etc. 1 outside parking space is $50 per month. Waitlist for indoor parking space. Won't Last! Make this your own! 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 6/10 Major 7 d/yr ≥99°F today · 15 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $32,361
• − Mortgage interest: −$14,508
• − Property taxes: −$3,885
• − Insurance: −$1,295
• − Repairs & maintenance: −$2,589
• − Management: −$2,589
• − Depreciation: −$7,535
• Taxable loss: −$40
• Est. tax savings @ 24.0%: +$9
• After-tax cash flow: $4,096/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: 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

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 · 709,332 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: 39.1% rent · 60.9% own
• Severe rent burden: 1078.0

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 0.64)
• 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
▸Consumer Goods	9	$162B
▸Insurance	4	$225B
▸Telecommunications	2	$144B
▸Pharmaceuticals	2	$112B
▸Media / Entertainment	2	$69B

Price history

+5.7% since first listed

11 events — show timeline

• 2026-03-27 Pending — OneKey® MLS as Distributed by MLS Grid
• 2026-02-16 Listed $259,000 OneKey® MLS as Distributed by MLS Grid
• 2022-03-18 Sold (MLS) $225,000 OneKey® MLS as Distributed by MLS Grid
• 2021-11-13 Pending — OneKey® MLS as Distributed by MLS Grid
• 2021-09-17 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2021-09-17 Pending — OneKey® MLS as Distributed by MLS Grid
• 2021-09-15 Price Changed $229,999 OneKey® MLS as Distributed by MLS Grid
• 2021-07-21 Price Changed $239,999 OneKey® MLS as Distributed by MLS Grid
• 2021-07-14 Price Changed $245,000 OneKey® MLS as Distributed by MLS Grid
• 2021-07-14 Price Changed $239,999 OneKey® MLS as Distributed by MLS Grid
• 2021-06-24 Listed $245,000 OneKey® MLS as Distributed by MLS Grid