Real Estate Investing in Ancram, New York (12502)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 12502 (Ancram, 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: 39.6% of homes vacant — above national norms.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
- Higher unemployment: 10.1% unemployment — tenant risk signal.
- High price-to-rent: Price-to-rent ratio 37.0 — 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 Ancram, NY (12502)?
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Market Analysis: 12502 Ancram
Not every below-median market is a bargain. Ancram's 12502 ZIP records signals that favor experienced operators who can absorb the risk $567K pricing implies.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $567K asset, 12502 is the wrong submarket. If the plan prices in friction, the yield can still work.
Statewide comparisons place 12502 among NY's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.
Looking more closely, 1,019 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.
Strategically, 12502 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.
Here's what matters if you're considering buying a home in Ancram:
Property Strategy for 12502
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $408,829 | $1,420 | 2.5% | +10.9% | $204,415 |
| 3BR | $538,560 | $1,710 | 2.3% | +11.2% | $179,520 |
| 4BR | $746,943 | $1,880 | 1.8% | +12.4% | $186,736 |
Market Trends
Home Value History (with trend line)
📊 How Does 12502 Compare?
| Metric | 12502 | Ancram | Hudson, NY | New York |
|---|---|---|---|---|
| Home Value | $567,344 | $567,344 | N/A | $505,608 |
| 5-Year CAGR | 6.9% | 6.9% | N/A | 6.6% |
| Avg Rent | $1,278 | $1,278 | N/A | - |
| Cap Rate | 1.8% | 1.8% | - | - |
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 12502 (Ancram, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $567,344 |
| Monthly Rent | $1,278 |
| Price-to-Rent | 37.0:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 2.7% |
| Cap Rate | 1.8% |
| 5-Year IRR | 8.7% |
📈 Home Appreciation
| 1-Year | +9.1% ▲ |
| 3-Year CAGR | +6.6% ▲ |
| 5-Year CAGR | +6.9% ▲ |
| 10-Year CAGR | +8.3% ▲ |
🏠 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 (1.8%). 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 12502
Population: 1,019
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
Investor Insight: With 547 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
How tight is the rental market in Ancram, NY?
Rental vacancy in Ancram, NY is elevated. Investors should budget normal turnover but not chronic empty units.
Is the tenant base reliable in Ancram, NY?
Expect a solid tenant pool in Ancram, NY. The rental market absorbs $1,278/mo rents without meaningful friction.
Does Ancram, NY make sense for an investment property?
Ancram, NY scores 3.0/5 for investability. Home values sit at $567K and rents near $1,278/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.
Is Ancram, NY a friendly market for rental owners?
NY law tenant-protective for landlords, and Ancram inherits those rules. Investors should still review local ordinances for rental licensing.
Where do home prices stand in Ancram, NY?
The median home value in Ancram, NY is roughly $567K. That puts it reasonable relative to the NY statewide average.
You know 12502 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 12502 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.
How 12502 ranks in Hudson, NY
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