Real Estate Investing in Hurley, New York (12443)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 12443 (Hurley, 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: 12.4% of homes vacant — above national norms.
- 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 Hurley, NY (12443)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 12443 Hurley
ZIP 12443 inside Ulster County looks affordable on the surface — median value of $451K — but the discount exists for reasons that a careful buyer should understand before committing.
Distressed markets are won on execution, not on spreadsheets. ZIP 12443 sits at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
ZIP 12443's metrics run below Ulster County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
The 12443 ZIP's population of 3,601 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that reflects the need for careful underwriting.
New investors are better served looking at Hurley's stable or hybrid ZIPs before stepping into 12443. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Hurley:
Property Strategy for 12443
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $351,866 | $1,720 | 3.5% | +11.0% | $175,933 |
| 3BR | $419,024 | $2,140 | 3.7% | +10.4% | $139,675 |
| 4BR | $521,193 | $2,310 | 3.2% | +10.6% | $130,298 |
Market Trends
Home Value History (with trend line)
📊 How Does 12443 Compare?
| Metric | 12443 | Hurley | Kingston, NY | New York |
|---|---|---|---|---|
| Home Value | $450,501 | $450,501 | N/A | $505,608 |
| 5-Year CAGR | 7.6% | 7.6% | N/A | 6.6% |
| Avg Rent | $1,548 | $1,548 | N/A | - |
| Cap Rate | 2.7% | 2.7% | - | - |
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 12443 (Hurley, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $450,501 |
| Monthly Rent | $1,548 |
| Price-to-Rent | 24.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.1% |
| Cap Rate | 2.7% |
| 5-Year IRR | 10.3% |
📈 Home Appreciation
| 1-Year | +5.3% ▲ |
| 3-Year CAGR | +5.6% ▲ |
| 5-Year CAGR | +7.6% ▲ |
| 10-Year CAGR | +8.4% ▲ |
🏠 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 (2.7%). 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 12443
Population: 3,601
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 12443
Schools in This ZIP Code
Nearby Schools (5 more)
Schools in adjacent ZIP codes that may serve this area
CHAMBERS SCHOOL
GEORGE WASHINGTON SCHOOL
HARRY L EDSON SCHOOL
JOHN F KENNEDY SCHOOL
J WATSON BAILEY MIDDLE SCHOOL
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 845 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
How quickly do rentals get leased in Hurley, NY?
Rental vacancy in Hurley, NY is elevated. Investors should budget normal turnover but not chronic empty units.
Are landlord laws favorable in Hurley, NY?
The landlord environment in Hurley, NY is tenant-protective. Statewide rules shape most day-to-day operations for rental owners.
How much do tenants pay in Hurley, NY?
Rents in Hurley, NY run near $1,548/mo. Compared with median home prices of $451K that produces solid gross yields for typical rentals.
Can owner-occupants cash flow in Hurley, NY?
House hacking works a challenging in Hurley, NY. Rents of $1,548/mo against $451K acquisition make the strategy solid for owner-occupants.
Is Hurley, NY a smart market for rental property?
Hurley, NY rates 3.0/5 for investability. With median values at $451K and rents near $1,548/mo, the market offers reasonable fundamentals for rental investors.
You know 12443 now. You don’t know where it ranks.
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How 12443 ranks in Kingston, NY
Every ZIP in this metro, ranked. Free.
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