Real Estate Investing in Greenfield Park, New York (12435)

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

Ulster County • Population: 181 • Data updated: September 2026

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Should you buy in 12435 (Greenfield Park, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (57/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 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
2 flags
  • High vacancy: 48.4% of homes vacant — above national norms.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.

• 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 Greenfield Park, NY (12435)?

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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 $389,708
Avg Monthly Rent $1,458
1% Rule ✗ Does Not Meet
Median Income $81,786
% Renters 0.0%

Market Analysis: 12435 Greenfield Park

Investors eyeing 12435 need to respect the fundamentals at play. Home values of $390K come alongside slower price movement and elevated management overhead.

The 12435 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

From an investor standpoint, 12435 offers a low basis, the region around Greenfield Park has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

The demographic picture in 12435 includes headwinds that any investor should price in. Income distribution skews lower than Greenfield Park averages, and tenant stability requires active management.

tilts toward the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.

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 Greenfield Park:

C+ Average
Buy Confidence Score: 65/100
Affordability
10/25
Appreciation
25/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.8× the median income
Value Trend
Rising (+4.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,458/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
Kingston, NY Metro Area
Even conditions for buyers and sellers
55 days
Average time to sell
Average
6.2%
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 Kingston, NY metro data

Market Trends

Home Value History (with trend line)

$413K$356K$299K$242K$185K$128KJul 2006Jul 2016Jul 2026

📊 How Does 12435 Compare?

Metric 12435 Greenfield Park Kingston, NY New York
Home Value $389,708 $389,708 N/A $505,608
5-Year CAGR 7.3% 7.3% N/A 6.6%
Avg Rent $1,458 $1,458 N/A -
Cap Rate 2.9% 2.9% - -
💡 Why Invest in 12435? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 12435 (Greenfield Park, NY). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.9%
Low
5yr Growth
+7.3%
Strong

📉 Market Crash Risk Index

Based on Kingston, NY metro

1/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
43%
Days Pending
1/2
55 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $389,708
Monthly Rent $1,458
Price-to-Rent 22.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.5%
Cap Rate 2.9%
5-Year IRR 10.2%

📈 Home Appreciation

1-Year +4.6% ▲
3-Year CAGR +6.0% ▲
5-Year CAGR +7.3% ▲
10-Year CAGR +9.1% ▲

🏠 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
48.4%
Elevated risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+7.3%
Growing
Eviction process: Slow Rent control: Unfavorable

Demographics in 12435

Population: 181

💰 Median Household Income
$81,786
This area
$81,786
State
$86,376
USA
$74,580
🏠 Renter Occupied
0.0%
This area
0.0%
State
26.4%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-24.2%
USA
3.7%
🎓 College Educated
20.2%
This area
20.2%
State
4.2%
USA
33.7%
👤 Median Age
51.6 years
This area
51.6 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
48.4%
This area
48.4%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 93.9%
Hispanic/Latino 6.1%
Other/Mixed 6.1%
👶 Under 18
18.6%
This area
18.6%
USA
22.0%
👴 65 and Over
33.3%
This area
33.3%
USA
17.3%
📊 Poverty Rate
0.0%
This area
0.0%
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

3 Nearby 394 Off-Campus Students
B
Yeshiva of Ocean
57 students · 0.6 mi
C+
Yeshivath Zichron Moshe
222 students · 5.7 mi
C
Sullivan County Community College
1,809 students · 8.5 mi

Frequently Asked Questions

How much should I expect to pay for a home in Greenfield Park, NY?

Homes in Greenfield Park, NY typically sell near $390K. Prices have moved at a 0.0% 5-year CAGR, which predictable long-term demand.

How strong are rents in Greenfield Park, NY?

Rental rates in Greenfield Park, NY average $1,458/mo. Tenant demand and $390K home values make the yield look reasonable by investor standards.

What is the typical renter like in Greenfield Park, NY?

Greenfield Park, NY draws a steady base of working renters. Demand at the $1,458/mo rent level is reasonable for standard single-family and small multi rentals.

How do experienced investors play Greenfield Park, NY?

Investors usually favor careful cash-flow rentals with hands-on management in Greenfield Park, NY. With home values at $390K and rents near $1,458/mo, other strategies can work but produce reliable rather than outsized returns.

How strict are landlord regulations in Greenfield Park, NY?

Landlord-friendliness in Greenfield Park, NY is tenant-protective. Eviction timelines and lease enforcement are considered reasonable by most property managers.

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How 12435 ranks in Kingston, NY

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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