Real Estate Investing in Philmont, New York

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

1 ZIP codes • Population: 1,575 • Columbia County

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

🏠 For Homebuyers
MIXED
Grade C (57/100)

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

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
2 flags
  • High vacancy: 19.9% of homes vacant — above national norms.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.

What’s happening in Philmont, NY?

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3.0/ 5

Investability

Citywide average

4.0/ 5

Appreciation

7.2% 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 $336,217
Avg Monthly Rent $1,161
ZIP Codes 1

Investing in Philmont Real Estate

Philmont 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.

Investors considering Philmont, NY should understand what the ★★★☆☆ rating represents — a market with material structural headwinds, not a temporary rough patch.

The $1,161/mo / $336K relationship in Philmont looks sluggish once vacancy and capex are incorporated into underwriting. seems to the realized yield tends to disappoint.

A an established population with $N/AK household income profile is what makes Philmont a challenging rental market — the tenant base is present, but the affordability math is tight.

A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Best ZIP codes in Hudson, NY

Philmont is part of this metro. Every ZIP in it, ranked. Free.

Cash Flow → Appreciation → Affordable →

Landlord Ground Truth

Real numbers from people who own or manage rentals in Philmont, NY. Anonymous, moderated, never written by AI.

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Avg Home Value
$336,217
Avg Monthly Rent
$1,161
1% Rule
✗ Below
Landlord Friendly (NY)

📉 Market Crash Risk Index

Based on Hudson, NY metro

2/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
66%
Days Pending
0/2
0 days

View all metro crash risk rankings →

☀️ Warm Market — Hudson, NY metro
0
Days to pending
7.5%
Listings with price cuts
0.0%
Sale-to-list ratio
📅 Data as of August 29, 2026 — updated weekly

ZIP Codes in Philmont, NY

Screen every ZIP in Philmont

Filter Philmont’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 Philmont, NY

Is Philmont, NY a good market for buy-and-hold investors?

The 3.0/5 investability rating in Philmont, NY reflects its $336K prices and $1,161/mo rents. Investors generally consider it a solid option within NY.

How much do tenants pay in Philmont, NY?

Rental rates in Philmont, NY average $1,161/mo. Tenant demand and $336K home values make the yield look reasonable by investor standards.

Is Philmont, NY landlord-friendly?

Rental owners in Philmont, NY deal with a tenant-protective legal framework. Most standard eviction processes run on reasonable timelines.

What investment strategy works best in Philmont, NY?

The best-fit strategy in Philmont, NY is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.

Can owner-occupants cash flow in Philmont, NY?

For house hackers, Philmont, NY is a challenging. The $1,161/mo rent on a unit helps defray the mortgage on a $336K property.

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