Real Estate Investing in Stillwater, New York (12170)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 12170 (Stillwater, 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.
- Elevated vacancy: 10.9% vacancy may signal weakening demand.
- 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 Stillwater, NY (12170)?
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Market Analysis: 12170 Stillwater
This part of Saratoga County is not an easy win. The 12170 ZIP comes in at softness in key indicators, and the playbook that works in cleaner markets often stalls here.
Rent of $1,611/mo on a $412K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 12170 sits below the stated 0.0% once reality is priced in.
Within NY, ZIP 12170 trails on several market indicators that neighboring Saratoga County submarkets outperform. The gap is real and impressive enough to shape underwriting.
A durable renter share of 19% in 12170 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
Experienced landlords with local relationships tend to find 12170 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 Stillwater:
Property Strategy for 12170
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $285,423 | $1,790 | 4.5% | +6.8% | $142,711 |
| 3BR | $380,820 | $2,150 | 4.1% | +7.1% | $126,940 |
| 4BR | $487,446 | $2,370 | 3.5% | +6.8% | $121,861 |
Market Trends
Home Value History (with trend line)
📊 How Does 12170 Compare?
| Metric | 12170 | Stillwater | Albany-Schenectady-Troy, NY | New York |
|---|---|---|---|---|
| Home Value | $412,178 | $412,178 | N/A | $505,608 |
| 5-Year CAGR | 6.0% | 6.0% | N/A | 6.6% |
| Avg Rent | $1,611 | $1,611 | N/A | - |
| Cap Rate | 3.1% | 3.1% | - | - |
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 12170 (Stillwater, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $412,178 |
| Monthly Rent | $1,611 |
| Price-to-Rent | 21.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.7% |
| Cap Rate | 3.1% |
| 5-Year IRR | 9.1% |
📈 Home Appreciation
| 1-Year | +8.6% ▲ |
| 3-Year CAGR | +5.1% ▲ |
| 5-Year CAGR | +6.0% ▲ |
| 10-Year CAGR | +5.8% ▲ |
🏠 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 (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.
Demographics in 12170
Population: 5,225
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 12170
Schools in This ZIP Code
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
Investor Insight: With 6,118 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Is real estate in Stillwater, NY a good investment right now?
With a 3.0/5 investability score, Stillwater, NY ranks as a solid market for rental property investors. Median prices of $412K and rents of $1,611/mo drive the underlying numbers.
What monthly rent should investors expect in Stillwater, NY?
The typical rental in Stillwater, NY commands about $1,611/mo monthly. That rent profile consistent cash flow against the $412K purchase basis.
Does a duplex house hack pencil in Stillwater, NY?
House hacking in Stillwater, NY is a challenging. With home values around $412K and rents at $1,611/mo, owner-occupants can offset a meaningful share of PITI.
What price range are homes in Stillwater, NY?
Stillwater, NY home values average about $412K. That price point suits investors targeting rentals with $1,611/mo in monthly income.
What is the typical vacancy rate in Stillwater, NY?
Stillwater, NY sees elevated vacancy, which is reasonable relative to the broader NY rental market.
You know 12170 now. You don’t know where it ranks.
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How 12170 ranks in Albany-Schenectady-Troy, NY
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