ZIP CODE 10025 // NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA // DATA AS OF 2026-09-30
New York, NY (10025) Rental Property Cap Rate & Cash Flow Report
Located in New York County (New York, NY), Zip Code 10025 ranks #378 of 500 within this selected sample (25th percentile) with a Zillow ZHVI typical home-value index of $1,144,542 (+3.3% YoY) and a ZORI observed market rent of $4,705/mo (+5.3% YoY). Requires at least 68.5% 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
-$3,506/mo
Annual: -$42,076/yr
Modeled Cap Rate
2.39%
NOI: $27,373/yr
Cash-on-Cash Return
-15.98%
Cash Needed: $263,245
1% Rule Ratio
0.41%
Gross Yield: 4.93%
Break-Even Rent
$8,735/mo
State Tax: 1.40%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 10025 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (NY Avg 1.40%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$5,787/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$2,424/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (10025)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $1,137,918 | $3,431/mo | 3.62% |
| 2022 | $1,193,497 | $3,993/mo | 4.01% |
| 2023 | $1,041,383 | $4,111/mo | 4.74% |
| 2024 | $1,047,200 | $4,251/mo | 4.87% |
| 2025 | $1,108,113 | $4,469/mo | 4.84% |
| 2026 | $1,144,542 | $4,705/mo | 4.93% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 10469 New York, NY | $695,843 | $2,880/mo | 2.42% | -$2,115/mo |
| 10453 New York, NY | $590,228 | $2,354/mo | 2.26% | -$1,871/mo |
| 11236 New York, NY | $689,060 | $2,919/mo | 2.52% | -$2,036/mo |
| 11385 New York, NY | $871,267 | $3,438/mo | 2.22% | -$2,794/mo |
| 11746 South Huntington, NY | $827,813 | $3,217/mo | 2.16% | -$2,698/mo |
| 11235 New York, NY | $602,529 | $2,614/mo | 2.63% | -$1,727/mo |