Best ZIP Codes for Cash Flow in Amsterdam, NY (2026)
Ranked by cap rate — the annual return on the purchase price before financing. ZIPs that also clear the 1% rule are marked.
| # | ZIP | City | Home value | Rent | Cap rate | 5-yr growth |
|---|---|---|---|---|---|---|
| 1 | 13410 | Nelliston, NY | $153,740 | $873 | 4.43% | 10.5% |
| 2 | 13339 | Fort Plain, NY | $179,862 | $963 | 4.18% | 4.8% |
| 3 | 12166 | Sprakers, NY | $233,607 | $1,206 | 4.03% | 6.0% |
| 4 | 13317 | Canajoharie, NY | $188,984 | $963 | 3.97% | 5.2% |
| 5 | 12010 | Amsterdam, NY | $249,461 | $1,194 | 3.73% | 6.4% |
| 6 | 13428 | Palatine Bridge, NY | $205,428 | $873 | 3.31% | 5.8% |
| 7 | 12177 | Tribes Hill, NY | $218,724 | $918 | 3.27% | 7.8% |
| 8 | 12072 | Fultonville, NY | $253,678 | $1,044 | 3.21% | 5.5% |
| 9 | 12068 | Fonda, NY | $232,323 | $909 | 3.05% | 6.1% |
Ranked from Repit’s own ZIP-level data — Zillow home values and rents, HUD fair-market rents where Zillow has no coverage, and U.S. Census vacancy. Cap rate is gross: annual rent over purchase price, before financing and expenses. Every ZIP above links to its full free page. How we calculate this →
Same metro, different strategy
Appreciation in Amsterdam, NY · Affordable in Amsterdam, NY
Or see the full Amsterdam, NY metro profile.