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 #153 of 500 nationally (70th percentile) with a Zillow ZHVI typical acquisition price 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.
Net Monthly Cash Flow
-$950/mo
Annual: -$11,405/yr
Net Cap Rate
3.89%
NOI: $20,378/yr
Cash-on-Cash Return
-9.47%
Cash Needed: $120,475
1% Rule Ratio
0.55%
Gross Yield: 6.66%
Break-Even Rent
$3,998/mo
State Tax: 1.40%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 10950 BENCHMARK)
Edit any value
Purchase Price (ZHVI Median)
Monthly Gross Rent (ZORI Median)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (NY Avg 1.40%)
Annual Home Insurance ($)
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 | Median Price | Median 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 | 3.74% | -$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% | -$1,069/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 |