Real Estate Investing in Burnt Hills, New York (12027)

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

Saratoga County • Population: 4,706 • Data updated: September 2026

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Should you buy in 12027 (Burnt Hills, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (76/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 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
1 flag
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Burnt Hills, NY (12027)?

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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 $446,203
Avg Monthly Rent $1,773
1% Rule ✗ Does Not Meet
Median Income $106,439
% Renters 18.4%

Market Analysis: 12027 Burnt Hills

ZIP 12027 in Burnt Hills, NY carries a solid set of headwinds. Home values near $446K and rents of $1,773/mo sit inside a market where underwriting has to be tight.

The 12027 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

The gap between 12027 and stronger Burnt Hills ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Resident income in 12027 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

Strategy in 12027 is an operator game, not a passive one. On the rental side, entry prices of $446K are inviting, the management lift is real and non-optional.

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 Burnt Hills:

C+ Average
Buy Confidence Score: 67/100
Affordability
15/25
Appreciation
22/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.2× the median income
Value Trend
Rising (+9.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,773/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
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
🏠

Property Strategy for 12027

Which property type performs best in this market?

Best for Cash Flow
2BR
4.8% cap rate
Best for Appreciation
5BR
+7.6% 5yr CAGR
Best Overall Value
5BR
$93,954/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $294,180 $1,970 4.8% +6.7% $147,090
3BR $374,784 $2,370 4.6% +6.9% $124,928
4BR $461,861 $2,610 4.1% +7.6% $115,465
5BR $469,771 +7.6% $93,954

Market Trends

Home Value History (with trend line)

$464K$412K$361K$309K$258K$206KJul 2006Jul 2016Jul 2026

📊 How Does 12027 Compare?

Metric 12027 Burnt Hills Albany-Schenectady-Troy, NY New York
Home Value $446,203 $446,203 N/A $505,608
5-Year CAGR 6.5% 6.5% N/A 6.6%
Avg Rent $1,773 $1,773 N/A -
Cap Rate 3.1% 3.1% - -
💡 Why Invest in 12027? Click to expand

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

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 12027 (Burnt Hills, NY). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.1%
Low
5yr Growth
+6.5%
Strong

📊 Market Snapshot

Home Value $446,203
Monthly Rent $1,773
Price-to-Rent 21.0:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.8%
Cap Rate 3.1%
5-Year IRR 9.6%

📈 Home Appreciation

1-Year +9.0% ▲
3-Year CAGR +5.8% ▲
5-Year CAGR +6.5% ▲
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: 3.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.1%). 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
1.2%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+6.5%
Growing
Eviction process: Slow Rent control: Unfavorable

Demographics in 12027

Population: 4,706

💰 Median Household Income
$106,439
This area
$106,439
State
$86,376
USA
$74,580
🏠 Renter Occupied
18.4%
This area
18.4%
State
26.4%
USA
34.0%
💼 Unemployment Rate
0.6%
This area
0.6%
State
-24.2%
USA
3.7%
🎓 College Educated
50.9%
This area
50.9%
State
4.2%
USA
33.7%
👤 Median Age
43.5 years
This area
43.5 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
1.2%
This area
1.2%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 92.4%
Other/Mixed 6.3%
Hispanic/Latino 4.9%
Asian 0.9%
Black/African American 0.3%
👶 Under 18
22.6%
This area
22.6%
USA
22.0%
👴 65 and Over
18.6%
This area
18.6%
USA
17.3%
📊 Poverty Rate
0.0%
This area
0.0%
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

🎓 Schools in 12027

A+ Avg School Grade
2 Schools
10.1:1 Avg Class Size
$26,212 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

RICHARD H O'ROURKE MIDDLE SCHOOL

📚 06 – 08 Middle
👥
719 Students
👨‍🏫
9.9:1 Class Size
💰
$26,212 Per Student
A+ Excellent
👥
953 Students
👨‍🏫
10.3:1 Class Size
💰
$26,212 Per Student

Nearby Schools (3 more)

Schools in adjacent ZIP codes that may serve this area

A+ Excellent

FRANCIS L STEVENS ELEMENTARY SCHOOL

📚 K – 05 Elementary
📍 25 LAKEHILL RD, BALLSTON LAKE
👥
485 Students
👨‍🏫
12.0:1 Class Size
💰
$26,212 Per Student
A+ Excellent

CHANGO ELEMENTARY SCHOOL

📚 K – 05 Elementary
📍 100 CHANGO DR, BALLSTON LAKE
👥
490 Students
👨‍🏫
14.1:1 Class Size
💰
$20,122 Per Student
A+ Excellent

CHARLTON HEIGHTS ELEMENTARY SCHOOL

📚 K – 05 Elementary
📍 170 STAGE RD, BALLSTON LAKE
👥
476 Students
👨‍🏫
14.0:1 Class Size
💰
$26,212 Per Student
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

8 Nearby 7,735 Off-Campus Students
B
Union College
2,082 students · 7.2 mi
C
Paul Mitchell the School-Schenectady
93 students · 7.6 mi
C
Schenectady County Community College
3,884 students · 7.7 mi
D
Belanger School of Nursing
132 students · 8.2 mi
C+
Modern Welding School
69 students · 9.8 mi
C
Aesthetic Science Institute
157 students · 12.4 mi
C
Empire State University
9,545 students · 12.5 mi
C
Albany BOCES-Adult Practical Nursing Program
161 students · 12.9 mi

Investor Insight: With 7,735 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

How much does a house cost in Burnt Hills, NY?

Typical homes in Burnt Hills, NY go for around $446K. The 5-year CAGR of 0.0% predictable price movement.

How strong is the working-renter base in Burnt Hills, NY?

Expect a solid tenant pool in Burnt Hills, NY. The rental market absorbs $1,773/mo rents without meaningful friction.

How do landlord-tenant laws work in Burnt Hills, NY?

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

What kind of market is Burnt Hills, NY for investors?

Burnt Hills, NY comes in at an investability rating of 3.0/5, with median home values near $446K and average rents around $1,773/mo. That combination puts it in the sturdy tier for investor interest.

How much is rent in Burnt Hills, NY?

Expect rents around $1,773/mo per month in Burnt Hills, NY. With home values at $446K, the yield math works out to reasonable levels for rental investors.

You know 12027 now. You don’t know where it ranks.

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How 12027 ranks in Albany-Schenectady-Troy, NY

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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