Real Estate Investing in West Fulton, New York (12194)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 12194 (West Fulton, 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: 59.7% of homes vacant — above national norms.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
- Elevated poverty: 20.0% poverty rate — can affect rent collection.
• 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 West Fulton, NY (12194)?
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Market Analysis: 12194 West Fulton
The 12194 ZIP covers a section of West Fulton that demands careful diligence. Prices near $239K look accessible, but the work to make a deal cash flow is real.
Rent of $1,206/mo on a $239K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 12194 sits below the stated 0.0% once reality is priced in.
Put differently, 12194 offers a low basis, the region around West Fulton has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
Looking more closely, 213 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.
New investors are better served looking at West Fulton's stable or hybrid ZIPs before stepping into 12194. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in West Fulton:
Market Trends
Home Value History (with trend line)
📊 How Does 12194 Compare?
| Metric | 12194 | West Fulton | Albany-Schenectady-Troy, NY | New York |
|---|---|---|---|---|
| Home Value | $238,624 | $238,624 | 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 | 3.9% | 3.9% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 12194 (West Fulton, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $238,624 |
| Monthly Rent | $1,206 |
| Price-to-Rent | 16.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.1% |
| Cap Rate | 3.9% |
| 5-Year IRR | 9.7% |
📈 Home Appreciation
| 1-Year | +5.0% ▲ |
| 3-Year CAGR | +5.5% ▲ |
| 5-Year CAGR | +5.7% ▲ |
| 10-Year CAGR | +7.3% ▲ |
🏠 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 (3.9%). 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 12194
Population: 213
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
Frequently Asked Questions
Where do home prices stand in West Fulton, NY?
Typical homes in West Fulton, NY go for around $239K. The 5-year CAGR of 0.0% even-keeled price movement.
Can owner-occupants cash flow in West Fulton, NY?
The house hack math a challenging in West Fulton, NY. Owner-occupant buyers benefit from the $1,206/mo rents and $239K home values.
Is it easy to find good tenants in West Fulton, NY?
Tenant quality in West Fulton, NY ranks as solid. Landlords generally report measured occupancy at market rents of $1,206/mo.
Is rental property easy to operate in West Fulton, NY?
NY law tenant-protective for landlords, and West Fulton inherits those rules. Investors should still review local ordinances for rental licensing.
Where do rents currently stand in West Fulton, NY?
Expect rents around $1,206/mo per month in West Fulton, NY. With home values at $239K, the yield math works out to reasonable levels for rental investors.
You know 12194 now. You don’t know where it ranks.
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How 12194 ranks in Albany-Schenectady-Troy, NY
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