Real Estate Investing in Old Chatham, New York (12136)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 12136 (Old Chatham, NY)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 32.0% of homes vacant — above national norms.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
- High price-to-rent: Price-to-rent ratio 34.0 — hard to cash-flow at these prices.
• 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 Old Chatham, NY (12136)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 12136 Old Chatham
ZIP 12136 inside Columbia County looks affordable on the surface — median value of $616K — but the discount exists for reasons that a careful buyer should understand before committing.
Distressed markets are won on execution, not on spreadsheets. ZIP 12136 reflects the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
In the broader NY picture, 12136 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.
Meanwhile, 881 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.
Experienced landlords with local relationships tend to find 12136 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.
Here's what matters if you're considering buying a home in Old Chatham:
Property Strategy for 12136
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 3BR | $530,966 | $2,020 | 2.7% | +10.8% | $176,989 |
| 4BR | $782,584 | $2,220 | 2.0% | +10.2% | $195,646 |
Market Trends
Home Value History (with trend line)
📊 How Does 12136 Compare?
| Metric | 12136 | Old Chatham | Hudson, NY | New York |
|---|---|---|---|---|
| Home Value | $616,191 | $509,944 | N/A | $505,608 |
| 5-Year CAGR | 5.6% | 5.0% | N/A | 6.6% |
| Avg Rent | $1,512 | $1,458 | N/A | - |
| Cap Rate | 1.9% | 2.3% | - | - |
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 12136 (Old Chatham, NY). Anonymous, moderated, never written by AI.
Do you own or manage rentals in ZIP 12136 (Old Chatham, NY)?
~25 seconds · no account needed · your report is anonymous
📊 Market Snapshot
| Home Value | $616,191 |
| Monthly Rent | $1,512 |
| Price-to-Rent | 34.0:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 2.9% |
| Cap Rate | 1.9% |
| 5-Year IRR | 7.5% |
📈 Home Appreciation
| 1-Year | +4.7% ▲ |
| 3-Year CAGR | +2.9% ▲ |
| 5-Year CAGR | +5.6% ▲ |
| 10-Year CAGR | +7.1% ▲ |
🏠 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 (1.9%). 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.
Demographics in 12136
Population: 881
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
Investor Insight: With 625 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
What are home prices like in Old Chatham, NY?
The median home value in Old Chatham, NY is roughly $616K. That puts it reasonable relative to the NY statewide average.
How landlord-friendly is Old Chatham, NY?
The landlord environment in Old Chatham, NY is tenant-protective. Statewide rules shape most day-to-day operations for rental owners.
How qualified is the tenant pool in Old Chatham, NY?
Expect a solid tenant pool in Old Chatham, NY. The rental market absorbs $1,512/mo rents without meaningful friction.
What kind of vacancy should I budget for in Old Chatham, NY?
Occupancy in Old Chatham, NY runs measured with elevated vacancy. Well-priced units at $1,512/mo lease on reasonable timelines.
Can I live-in-and-rent in Old Chatham, NY?
The house hack math a challenging in Old Chatham, NY. Owner-occupant buyers benefit from the $1,512/mo rents and $616K home values.
You know 12136 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 12136 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.
How 12136 ranks in Hudson, NY
Every ZIP in this metro, ranked. Free.
AI Market Advisor
Ask questions about investing in 12136 (Old Chatham)
Community Ratings
What people who’ve spent time here actually say. Not paid reviews.
Be the first to rate 12136 (Old Chatham, NY).
It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.