Real Estate Investing in Coeymans Hollow, New York (12046)

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

Albany County • Population: 612 • Data updated: September 2026

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Should you buy in 12046 (Coeymans Hollow, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (40/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 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: 12.3% of homes vacant — above national norms.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.

• 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 Coeymans Hollow, NY (12046)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $333,433
Avg Monthly Rent $1,368
1% Rule ✗ Does Not Meet
Median Income N/A
% Renters 15.1%

Market Analysis: 12046 Coeymans Hollow

ZIP 12046 inside Albany County looks affordable on the surface — median value of $333K — but the discount exists for reasons that a careful buyer should understand before committing.

Distressed markets are won on execution, not on spreadsheets. ZIP 12046 records the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Statewide comparisons place 12046 among NY's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

The demographic picture in 12046 includes headwinds that any investor should price in. Income distribution skews lower than Coeymans Hollow averages, and tenant stability requires active management.

The right play in 12046 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Coeymans Hollow:

Affordability
Affordable
Homes cost × the median income
Value Trend
Rising (+6.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,368/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
⚖️
BALANCED MARKET
Albany-Schenectady-Troy, NY Metro Area
Even conditions for buyers and sellers
24 days
Average time to sell
Fast
9.8%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Albany-Schenectady-Troy, NY metro data

Market Trends

Home Value History (with trend line)

$346K$309K$271K$234K$197K$159KJul 2006Jul 2016Jul 2026

📊 How Does 12046 Compare?

Metric 12046 Coeymans Hollow Albany-Schenectady-Troy, NY New York
Home Value $333,433 $333,433 N/A $505,608
5-Year CAGR 5.7% 5.7% N/A 6.6%
Avg Rent $1,368 $1,368 N/A -
Cap Rate 3.2% 3.2% - -
💡 Why Invest in 12046? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 12046 (Coeymans Hollow, NY). Anonymous, moderated, never written by AI.

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Property managers serving Albany County

Manage rentals here? List your business →

CYC Realty is an association and property management company serving Upstate New York. summary from their website

HOA
Unclaimed — is this your business? Claim it free

AllyPropertyManagement.com is a domain name available for sale. summary from their website

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Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
3.2%
Low
5yr Growth
+5.7%
Moderate

📊 Market Snapshot

Home Value $333,433
Monthly Rent $1,368
Price-to-Rent 20.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.9%
Cap Rate 3.2%
5-Year IRR 8.9%

📈 Home Appreciation

1-Year +6.0% ▲
3-Year CAGR +4.0% ▲
5-Year CAGR +5.7% ▲
10-Year CAGR +6.1% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.2%). 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.

Vacancy
12.3%
Moderate risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+5.7%
Stable
Eviction process: Slow Rent control: Unfavorable

Demographics in 12046

Population: 612

💰 Median Household Income
N/A
🏠 Renter Occupied
15.1%
This area
15.1%
State
26.4%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-24.2%
USA
3.7%
🎓 College Educated
11.1%
This area
11.1%
State
4.2%
USA
33.7%
👤 Median Age
53.5 years
This area
53.5 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
12.3%
This area
12.3%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 94.2%
Other/Mixed 5.8%
👶 Under 18
18.7%
This area
18.7%
USA
22.0%
👴 65 and Over
30.6%
This area
30.6%
USA
17.3%
📊 Poverty Rate
18.2%
This area
18.2%
USA
11.5%

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

🎓 Nearby Colleges & Universities

8 Nearby 202 Off-Campus Students
C
Maria College of Albany
752 students · 13.1 mi
D
St. Peter's Hospital College of Nursing
125 students · 13.1 mi
C+
Albany College of Pharmacy and Health Sciences
875 students · 13.3 mi
C
Albany Law School
628 students · 13.4 mi
C
Albany Medical College
834 students · 13.6 mi
C
The College of Saint Rose
2,538 students · 13.9 mi
D
SUNY-System Office
0 students · 14.1 mi
B
University at Albany
16,880 students · 14.5 mi

Frequently Asked Questions

How quickly do rentals get leased in Coeymans Hollow, NY?

Coeymans Hollow, NY vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.

Is NY a landlord-friendly state?

Coeymans Hollow, NY falls under NY landlord-tenant law, which is tenant-protective. That backdrop makes day-to-day property management reasonable.

What is the renter demographic in Coeymans Hollow, NY?

The tenant pool in Coeymans Hollow, NY is solid, supported by local employment and population fundamentals. Rents of $1,368/mo are well-absorbed by the market.

Can owner-occupants cash flow in Coeymans Hollow, NY?

For house hackers, Coeymans Hollow, NY is a challenging. The $1,368/mo rent on a unit helps defray the mortgage on a $333K property.

Which investment style suits Coeymans Hollow, NY?

For Coeymans Hollow, NY, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.

You know 12046 now. You don’t know where it ranks.

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How 12046 ranks in Albany-Schenectady-Troy, NY

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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