Real Estate Investing in Albany, Vermont (05820)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 05820 (Albany, VT)? Our answer, based on the numbers below.
Multiple negative signals. Better options likely exist nearby.
Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.
- High vacancy: 31.1% of homes vacant — above national norms.
• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Albany, VT (05820)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 05820 Albany
ZIP 05820 inside Orleans County looks affordable on the surface — median value of $277K — but the discount exists for reasons that a careful buyer should understand before committing.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $277K asset, 05820 is the wrong submarket. If the plan prices in friction, the yield can still work.
Nearby ZIPs in Albany have seen price recovery that 05820 has not matched. Orleans County data supports the view that the spread is structural rather than temporary.
Employment concentration in 05820 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
Distressed ZIPs reward experience. healthy returns are possible in 05820, but they flow to investors who already understand how to operate in soft markets.
Here's what matters if you're considering buying a home in Albany:
Market Trends
Home Value History (with trend line)
📊 How Does 05820 Compare?
| Metric | 05820 | Albany | Vermont |
|---|---|---|---|
| Home Value | $276,564 | $276,564 | $387,631 |
| 5-Year CAGR | N/A | N/A | 6.4% |
| Avg Rent | $1,062 | $1,062 | - |
| Cap Rate | 3.0% | 3.0% | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 05820 (Albany, VT). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $276,564 |
| Monthly Rent | $1,062 |
| Price-to-Rent | 21.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.6% |
| Cap Rate | 3.0% |
| 5-Year IRR | 12.1% |
📈 Home Appreciation
| 1-Year | +9.1% ▲ |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
| 10-Year CAGR | N/A |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.0%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 05820
Population: 334
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 05820
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Frequently Asked Questions
Is Albany, VT a good place for real estate investing?
The 2.0/5 investability rating in Albany, VT reflects its $277K prices and $1,062/mo rents. Investors generally consider it a solid option within VT.
What is the typical rental rate in Albany, VT?
Rent in Albany, VT is around $1,062/mo. The resulting rent-to-value relationship with $277K pricing is reasonable for most investor models.
What kind of tenants rent in Albany, VT?
Tenant demand in Albany, VT is solid. The local workforce $1,062/mo rents across most rental classes.
How do landlord-tenant laws work in Albany, VT?
Landlord-friendliness in Albany, VT is balanced. Eviction timelines and lease enforcement are considered reasonable by most property managers.
What is the smart move for investors in Albany, VT?
Investors usually favor careful cash-flow rentals with hands-on management in Albany, VT. With home values at $277K and rents near $1,062/mo, other strategies can work but produce stable rather than outsized returns.
You know 05820 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 05820 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.
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Community Ratings
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