Real Estate Investing in Monticello, New York

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

1 ZIP codes • Population: 12,191 • Sullivan County

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Should you buy in Monticello, NY? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (65/100)

Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.

📈 For Investors
GOOD
4.0 / 5 (66/100)

Rare combination of both appreciation and cash flow. These markets don't last long — worth serious consideration.

⚠️ Risks to Know
2 flags
  • High vacancy: 33.3% of homes vacant — above national norms.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.

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4.0/ 5

Investability

Citywide average

5.0/ 5

Appreciation

11.0% 5yr CAGR

1.0/ 5

Landlord Climate

Regulatory friendliness

🏦 30-yr Fixed Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS
Avg Investability
Avg Home Value $288,119
Avg Monthly Rent $1,617
ZIP Codes 1

Investing in Monticello Real Estate

Monticello in New York is one of the markets where the numbers warn before they reward — 1 ZIPs, a sizable population, and a rating that reflects material risk.

A 4.0 rating and a 5-year CAGR of 0.0% are the kinds of numbers that warrant real local underwriting, not spreadsheet tourism. Monticello is in that category.

Rents in Monticello at $1,617/mo have struggled to keep pace with cost increases, and vacancy has risen in pockets — a dynamic that compresses realized returns well below headline cap rates.

The 0% renter share in Monticello masks uneven tenant quality across ZIPs, and $N/AK median income leaves little cushion against economic shocks.

A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

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Avg Home Value
$288,119
Avg Monthly Rent
$1,617
1% Rule
✗ Below
Landlord Friendly (NY)

ZIP Codes in Monticello, NY

Screen every ZIP in Monticello

Filter Monticello’s ZIPs by cap rate, vacancy, appreciation and 30+ more criteria, and export your shortlist to CSV — with the Investor plan ($19/mo).

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Frequently Asked Questions About Monticello, NY

Is Monticello in NY worth investing in?

Monticello, NY scores 4.0/5 for investability. Home values sit at $288K and rents near $1,617/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.

What are vacancy rates like in Monticello, NY?

Monticello, NY carries elevated vacancy risk. Expect measured absorption at market rents of $1,617/mo.

How much do tenants pay in Monticello, NY?

The typical rental in Monticello, NY commands about $1,617/mo monthly. That rent profile stable cash flow against the $288K purchase basis.

What is the best play in Monticello, NY?

Investors who focus on careful cash-flow rentals with hands-on management typically do well in Monticello, NY. The numbers - $288K homes against $1,617/mo rents - support that play.

How qualified is the tenant pool in Monticello, NY?

Monticello, NY draws a stable base of working renters. Demand at the $1,617/mo rent level is reasonable for standard single-family and small multi rentals.

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