Best ZIP Codes for Cash Flow in Plattsburgh, 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 | 12952 1% rule | Lyon Mountain, NY | $70,363 | $1,026 | 11.37% | 6.7% |
| 2 | 12910 | Altona, NY | $152,171 | $1,044 | 5.35% | 4.9% |
| 3 | 12903 | Plattsburgh, NY | $247,876 | $1,638 | 5.15% | 6.7% |
| 4 | 12978 | Redford, NY | $161,991 | $1,053 | 5.07% | 6.1% |
| 5 | 12929 | Dannemora, NY | $163,684 | $1,044 | 4.97% | 4.5% |
| 6 | 12923 | Churubusco, NY | $161,337 | $1,008 | 4.87% | 5.6% |
| 7 | 12985 | Schuyler Falls, NY | $192,488 | $1,143 | 4.63% | 3.8% |
| 8 | 12944 | Keeseville, NY | $211,990 | $1,242 | 4.57% | 6.5% |
| 9 | 12934 | Ellenburg Center, NY | $174,011 | $972 | 4.36% | 6.5% |
| 10 | 12958 | Mooers, NY | $194,620 | $1,089 | 4.36% | 5.5% |
| 11 | 12919 | Champlain, NY | $205,159 | $1,134 | 4.31% | 6.2% |
| 12 | 12959 | Mooers Forks, NY | $192,260 | $1,017 | 4.13% | 4.9% |
| 13 | 12981 | Saranac, NY | $199,862 | $1,053 | 4.11% | 5.4% |
| 14 | 12901 | Plattsburgh, NY | $258,846 | $1,325 | 3.99% | 6.9% |
| 15 | 12918 | Cadyville, NY | $219,879 | $1,107 | 3.93% | 5.9% |
| 16 | 12912 | Au Sable Forks, NY | $215,761 | $1,062 | 3.84% | 5.3% |
| 17 | 12955 | Merrill, NY | $210,038 | $1,008 | 3.74% | 5.6% |
| 18 | 12935 | Altona, NY | $209,203 | $999 | 3.72% | 5.8% |
| 19 | 12992 | West Chazy, NY | $233,469 | $1,098 | 3.67% | 6.3% |
| 20 | 12962 | Morrisonville, NY | $269,213 | $1,206 | 3.49% | 6.7% |
| 21 | 12979 | Rouses Point, NY | $220,235 | $972 | 3.44% | 6.0% |
| 22 | 12972 | Peru, NY | $286,900 | $1,251 | 3.40% | 7.0% |
| 23 | 12921 | Chazy, NY | $258,088 | $1,089 | 3.29% | 6.6% |
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 Plattsburgh, NY · Affordable in Plattsburgh, NY
Or see the full Plattsburgh, NY metro profile.