ZIP CODE 10950 // POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY // DATA AS OF 2026-09-30
Monroe, NY (10950) Rental Property Cap Rate & Cash Flow Report
Located in Orange County (Monroe, NY), Zip Code 10950 ranks #154 of 500 within this selected sample (69th percentile) with a Zillow ZHVI typical home-value index of $523,802 (-0.2% YoY) and a ZORI observed market rent of $2,905/mo (+5.2% YoY). Requires at least 48.7% down payment at 6.5% interest to reach $0/mo break-even cash flow. This model combines different housing populations; it is not an observed average property return. Costs assume state-average tax, 0.5% annual insurance, 13% reserves and no HOA or management. Figures below follow your edits; this headline describes the original benchmark.
Net Monthly Cash Flow
-$951/mo
Annual: -$11,407/yr
Modeled Cap Rate
3.89%
NOI: $20,376/yr
Cash-on-Cash Return
-9.47%
Cash Needed: $120,474
1% Rule Ratio
0.55%
Gross Yield: 6.66%
Break-Even Rent
$3,998/mo
State Tax: 1.40%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 10950 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (NY Avg 1.40%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$2,649/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$1,207/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (10950)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2025 | $524,741 | $2,762/mo | 6.32% |
| 2026 | $523,802 | $2,905/mo | 6.66% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 10467 New York, NY | $431,376 | $2,362/mo | 3.82% | -$809/mo |
| 11377 New York, NY | $554,020 | $2,990/mo | 3.73% | -$1,077/mo |
| 10456 New York, NY | $472,538 | $2,702/mo | 4.07% | -$787/mo |
| 11373 New York, NY | $521,344 | $2,751/mo | 3.61% | -$1,068/mo |
| 10460 New York, NY | $531,483 | $2,775/mo | 3.55% | -$1,115/mo |
| 11207 New York, NY | $636,603 | $3,286/mo | 3.49% | -$1,368/mo |