Real Estate Investing in Cropseyville, New York (12052)

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

Rensselaer County • Population: 1,931 • Data updated: September 2026

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Should you buy in 12052 (Cropseyville, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (72/100)

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

📈 For Investors
MIXED
3.0 / 5 (52/100)

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: 24.1% of homes vacant — above national norms.
  • 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 Cropseyville, NY (12052)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $307,274
Avg Monthly Rent $1,692
1% Rule ✗ Does Not Meet
Median Income $113,977
% Renters 5.6%

Market Analysis: 12052 Cropseyville

ZIP 12052 inside Rensselaer County looks affordable on the surface — median value of $307K — but the discount exists for reasons that a careful buyer should understand before committing.

The investment case in 12052 is robust only for operators who understand what they are buying. A $307K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

Statewide comparisons place 12052 among NY's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

The 12052 ZIP's population of 1,931 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that records the need for careful underwriting.

New investors are better served looking at Cropseyville's stable or hybrid ZIPs before stepping into 12052. The learning curve here is expensive when the lesson is wrong.

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 Cropseyville:

B Good
Buy Confidence Score: 72/100
Affordability
20/25
Appreciation
22/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.7× the median income
Value Trend
Rising (+9.5%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,692/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 12052

Which property type performs best in this market?

Best for Cash Flow
4BR
5.8% cap rate
Best for Appreciation
2BR
+9.3% 5yr CAGR
Best Overall Value
4BR
$77,784/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $260,215 $1,880 5.2% +9.3% $130,108
3BR $299,191 $2,250 5.4% +7.9% $99,730
4BR $311,134 $2,490 5.8% +6.9% $77,784

Market Trends

Home Value History (with trend line)

$320K$283K$247K$210K$173K$137KJul 2006Jul 2016Jul 2026

📊 How Does 12052 Compare?

Metric 12052 Cropseyville Albany-Schenectady-Troy, NY New York
Home Value $307,274 $307,274 N/A $505,608
5-Year CAGR 6.7% 6.7% N/A 6.6%
Avg Rent $1,692 $1,692 N/A -
Cap Rate 4.3% 4.3% - -
💡 Why Invest in 12052? 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 12052 (Cropseyville, NY). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.3%
Fair
5yr Growth
+6.7%
Strong

📊 Market Snapshot

Home Value $307,274
Monthly Rent $1,692
Price-to-Rent 15.1:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.6%
Cap Rate 4.3%
5-Year IRR 11.0%

📈 Home Appreciation

1-Year +9.5% ▲
3-Year CAGR +6.5% ▲
5-Year CAGR +6.7% ▲
10-Year CAGR +6.4% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.3%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.3%). 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
24.1%
Elevated risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+6.7%
Growing
Eviction process: Slow Rent control: Unfavorable

Demographics in 12052

Population: 1,931

💰 Median Household Income
$113,977
This area
$113,977
State
$86,376
USA
$74,580
🏠 Renter Occupied
5.6%
This area
5.6%
State
26.4%
USA
34.0%
💼 Unemployment Rate
2.6%
This area
2.6%
State
-24.2%
USA
3.7%
🎓 College Educated
28.2%
This area
28.2%
State
4.2%
USA
33.7%
👤 Median Age
48.4 years
This area
48.4 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
24.1%
This area
24.1%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 98.6%
Other/Mixed 1.4%
Hispanic/Latino 0.4%
👶 Under 18
21.8%
This area
21.8%
USA
22.0%
👴 65 and Over
18.5%
This area
18.5%
USA
17.3%
📊 Poverty Rate
8.2%
This area
8.2%
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

6 Nearby 1,010 Off-Campus Students
C
Samaritan Hospital School of Nursing
132 students · 10.1 mi
B
Rensselaer Polytechnic Institute
7,024 students · 10.2 mi
C+
Russell Sage College
2,064 students · 11.1 mi
C
Hudson Valley Community College
9,443 students · 11.2 mi
C+
Siena College
3,623 students · 14.2 mi
A
Williams College
2,168 students · 14.3 mi

Investor Insight: With 1,010 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Are there empty rentals in Cropseyville, NY?

Occupancy in Cropseyville, NY runs reliable with elevated vacancy. Well-priced units at $1,692/mo lease on reasonable timelines.

Is Cropseyville, NY landlord-friendly?

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

What is the best play in Cropseyville, NY?

In Cropseyville, NY the resilient play is typically careful cash-flow rentals with hands-on management. The combination of $307K prices and $1,692/mo rents suits that approach.

Is Cropseyville, NY good for house hacking?

The a challenging house-hack environment in Cropseyville, NY reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.

Is Cropseyville, NY a smart market for rental property?

Cropseyville, NY rates 3.0/5 for investability. With median values at $307K and rents near $1,692/mo, the market offers reasonable fundamentals for rental investors.

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How 12052 ranks in Albany-Schenectady-Troy, NY

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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