Real Estate Investing in Duanesburg, New York (12056)

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

Schenectady County • Population: 1,818 • Data updated: September 2026

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Should you buy in 12056 (Duanesburg, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (71/100)

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 Duanesburg, NY (12056)?

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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 $409,508
Avg Monthly Rent $1,539
1% Rule ✗ Does Not Meet
Median Income $103,750
% Renters 10.7%

Market Analysis: 12056 Duanesburg

The 12056 ZIP covers a section of Duanesburg that demands careful diligence. Prices near $410K look accessible, but the work to make a deal cash flow is real.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $410K asset, 12056 is the wrong submarket. If the plan prices in friction, the yield can still work.

The gap between 12056 and stronger Duanesburg ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Employment concentration in 12056 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

The 12056 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

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 Duanesburg:

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 3.9× the median income
Value Trend
Rising (+7.5%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,539/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 12056

Which property type performs best in this market?

Best for Cash Flow
2BR
4.8% cap rate
Best for Appreciation
4BR
+7.3% 5yr CAGR
Best Overall Value
4BR
$117,011/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $254,931 $1,710 4.8% +7.1% $127,466
3BR $385,496 $2,050 3.8% +7.0% $128,499
4BR $468,045 $2,260 3.5% +7.3% $117,011

Market Trends

Home Value History (with trend line)

$426K$379K$332K$285K$237K$190KJul 2006Jul 2016Jul 2026

📊 How Does 12056 Compare?

Metric 12056 Duanesburg Albany-Schenectady-Troy, NY New York
Home Value $409,508 $409,508 N/A $505,608
5-Year CAGR 5.6% 5.6% N/A 6.6%
Avg Rent $1,539 $1,539 N/A -
Cap Rate 2.9% 2.9% - -
💡 Why Invest in 12056? 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 12056 (Duanesburg, NY). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.9%
Low
5yr Growth
+5.6%
Moderate

📊 Market Snapshot

Home Value $409,508
Monthly Rent $1,539
Price-to-Rent 22.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.5%
Cap Rate 2.9%
5-Year IRR 8.5%

📈 Home Appreciation

1-Year +7.5% ▲
3-Year CAGR +5.3% ▲
5-Year CAGR +5.6% ▲
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: 2.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.9%). 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
7.4%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+5.6%
Stable
Eviction process: Slow Rent control: Unfavorable

Demographics in 12056

Population: 1,818

💰 Median Household Income
$103,750
This area
$103,750
State
$86,376
USA
$74,580
🏠 Renter Occupied
10.7%
This area
10.7%
State
26.4%
USA
34.0%
💼 Unemployment Rate
2.4%
This area
2.4%
State
-24.2%
USA
3.7%
🎓 College Educated
33.1%
This area
33.1%
State
4.2%
USA
33.7%
👤 Median Age
43.1 years
This area
43.1 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
7.4%
This area
7.4%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 94.6%
Other/Mixed 5.3%
Hispanic/Latino 5.0%
👶 Under 18
17.3%
This area
17.3%
USA
22.0%
👴 65 and Over
20.7%
This area
20.7%
USA
17.3%
📊 Poverty Rate
4.2%
This area
4.2%
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 1,819 Off-Campus Students
C
Schenectady County Community College
3,884 students · 7.8 mi
C
Paul Mitchell the School-Schenectady
93 students · 8.2 mi
B
Union College
2,082 students · 8.9 mi
D
Belanger School of Nursing
132 students · 9.2 mi
C+
Modern Welding School
69 students · 9.5 mi
C
Excelsior University
14,477 students · 12.3 mi
C
Albany BOCES-Adult Practical Nursing Program
161 students · 13.6 mi
B
University at Albany
16,880 students · 14.6 mi

Investor Insight: With 1,819 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What is the renter demographic in Duanesburg, NY?

Working renters make up the core of the Duanesburg, NY tenant base. The pool is reasonable for investors targeting long-term holds.

Is Duanesburg, NY a good market for FHA house hackers?

House hacking in Duanesburg, NY is reasonable to execute. Prices around $410K and rents of $1,539/mo solid owner-occupant economics.

What is the average home sale price in Duanesburg, NY?

In Duanesburg, NY the median home value sits at $410K. Against the broader NY market, that reads as reasonable for most investors.

What is it like being a landlord in Duanesburg, NY?

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

Is vacancy a concern in Duanesburg, NY?

Duanesburg, NY carries elevated vacancy risk. Expect stable absorption at market rents of $1,539/mo.

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How 12056 ranks in Albany-Schenectady-Troy, NY

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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