CalculatorNew York
Cash-on-cash return calculator — New York
New York spans NYC-area complexity and very different upstate markets. Default rent inputs reflect statewide HUD FMR data, skewed toward non-NYC markets—narrow inputs to the submarket you are actually buying. Same math as the national Cash-on-cash return calculator; numbers are educational—not lender instructions.
Frequently asked questions
- How do you calculate cash-on-cash return?
- Cash-on-cash return is annual pre-tax cash flow divided by total upfront cash invested. This includes down payment, closing costs, rehab, and other initial costs.
- What is a good cash-on-cash return for rental property?
- Targets vary by market and risk profile. Many investors compare cash-on-cash return against financing risk, vacancy assumptions, and alternative uses of capital.
- Can I save cash-on-cash calculator results?
- This calculator does not save your session. Use a free Veld account to save deal assumptions, compare scenarios, and track portfolio performance over time.
- What drives cash-on-cash return most in New York?
- In New York, cash-on-cash is most sensitive to your entry basis ($576,100 median home prices), interest rate, and true operating costs like 1.23% effective property tax. Stress test rent, vacancy, and maintenance before relying on one output.
Real estate investing in New York
Real estate investing in New York
Upstate snow and NYC regulation are different worlds. This page does not encode local rent rules; you supply achievable rent and expenses.
- Typical 2BR rent
- ~$1,600/mo
- Effective property tax
- ~1.23% of home value
- State income tax
- Up to 10.9%
- Median home price
- ~$576,100
Rent: HUD FMR 2025 · Property tax: Tax Foundation 2022 · Adjust all calculator inputs to match your specific deal.
Other calculators for New York: BRRRR Calculator · STR vs LTR Calculator. All calculators · Investment property calculator