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Market MapNew YorkDutchess

Dutchess County

New YorkPopulation: 296,467
60
/100
Buy
#506 of 1,000 counties
#41 in New York (62 counties)

Market Snapshot

$473,831
Median Home Price
73% above national median
$2,110/mo
Median Rent
41% above national median
5.34%
Rent-to-Price Ratio
Top 67% nationally
-$1,112
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$473,831
Down Payment (20%)$94,766
Loan Amount$379,065
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$2,110
Monthly P&I-$2,484
Est. Expenses (35%)-$738
Net Cash Flow-$1,112/mo
3.5%
Cap Rate (all cash)
-12.2%
Cash-on-Cash Return
5.34%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.5% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
60/100
60
Cash Flow(30%)
50/100

Based on 5.34% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
85/100

Based on 4.8% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
55/100

Price-to-income ratio of 5.0x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Complete rent data available

Challenges

  • -Below-average rent-to-price ratio (5.34%)
  • -Negative cash flow at typical financing (-$1,112/mo)
  • -Negative leverage (cap rate 3.5% < mortgage rate 6.9%)

Economic Indicators

Population
296,467
Median Income
$94,578
vs $62,400 national est.
Unemployment Rate
—
Data pending
Price-to-Income
5.0x
Less affordable

Compare to Nearby Counties

CountyVerdict
AlbanyNY
61$352,754$1,5755.36%BuyView
FranklinNY
61$168,610Est. pending—BuyView
MontgomeryNY
61$202,958$1,2697.50%BuyView
CurrentDutchessNY
60$473,831$2,1105.34%Buy
WyomingNY
59$197,819Est. pending—HoldView
WashingtonNY
59$241,968Est. pending—HoldView

The Bottom Line

BuyDutchess offers solid investment potential with good cash flow or appreciation prospects.

Dutchess County in New York scores 60/100, ranking #506 of 1,000 US counties (top 50%). The 5.34% rent-to-price ratio may require creative strategies or below-market purchases for positive cash flow. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow
$-1,112/mo
Cap Rate
3.5%
Cash-on-Cash
-12.2%

Ready to Analyze a Deal in Dutchess?

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