Real Estate Investing in Valatie, New York (12184)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 12184 (Valatie, NY)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 16.1% 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 31.3 — hard to cash-flow at these prices.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Valatie, NY (12184)?
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Market Analysis: 12184 Valatie
Meanwhile, ZIP 12184 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $453K median. It rewards specialists, not generalists.
Rent of $1,206/mo on a $453K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 12184 sits below the stated 0.0% once reality is priced in.
Regionally, 12184 sits on the difficult end of the NY spectrum. The a credible choice for read — for disciplined operators — is that pricing reflects the difficulty.
The 12184 ZIP's population of 7,547 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that sits at the need for careful underwriting.
The right play in 12184 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.
Here's what matters if you're considering buying a home in Valatie:
Property Strategy for 12184
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $338,409 | $1,340 | 2.9% | +8.4% | $169,204 |
| 3BR | $415,004 | $1,620 | 2.8% | +8.8% | $138,335 |
| 4BR | $513,645 | $1,780 | 2.5% | +8.9% | $128,411 |
| 5BR | $617,755 | — | — | +8.8% | $123,551 |
Market Trends
Home Value History (with trend line)
📊 How Does 12184 Compare?
| Metric | 12184 | Valatie | Hudson, NY | New York |
|---|---|---|---|---|
| Home Value | $452,559 | $452,559 | N/A | $505,608 |
| 5-Year CAGR | 5.7% | 5.7% | N/A | 6.6% |
| Avg Rent | $1,206 | $1,206 | N/A | - |
| Cap Rate | 2.1% | 2.1% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 12184 (Valatie, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $452,559 |
| Monthly Rent | $1,206 |
| Price-to-Rent | 31.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.2% |
| Cap Rate | 2.1% |
| 5-Year IRR | 7.8% |
📈 Home Appreciation
| 1-Year | +7.0% ▲ |
| 3-Year CAGR | +3.6% ▲ |
| 5-Year CAGR | +5.7% ▲ |
| 10-Year CAGR | +6.7% ▲ |
🏠 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 (2.1%). 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 12184
Population: 7,547
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 12184
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.
Frequently Asked Questions
What is the typical vacancy rate in Valatie, NY?
Vacancy in Valatie, NY is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,206/mo.
What is the renter demographic in Valatie, NY?
Valatie, NY draws a steady base of working renters. Demand at the $1,206/mo rent level is reasonable for standard single-family and small multi rentals.
What real estate strategy is ideal for Valatie, NY?
In Valatie, NY the sturdy play is typically careful cash-flow rentals with hands-on management. The combination of $453K prices and $1,206/mo rents suits that approach.
How much should I expect to pay for a home in Valatie, NY?
Homes in Valatie, NY typically sell near $453K. Prices have moved at a 0.0% 5-year CAGR, which measured long-term demand.
What do rentals go for in Valatie, NY?
Investors in Valatie, NY typically see rents near $1,206/mo per month against $453K home values - a solid setup for rental cash flow.
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