Real Estate Investing in Craryville, New York (12521)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 12521 (Craryville, NY)? Our answer, based on the numbers below.
Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 42.1% 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 Craryville, NY (12521)?
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Market Analysis: 12521 Craryville
ZIP 12521 in Craryville, NY carries a sturdy set of headwinds. Home values near $508K and rents of $1,836/mo sit inside a market where underwriting has to be tight.
Rent of $1,836/mo on a $508K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 12521 sits below the stated 0.0% once reality is priced in.
Regionally, 12521 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 12521 ZIP's population of 1,874 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that stands at the need for careful underwriting.
Strategy in 12521 is an operator game, not a passive one. Meanwhile, entry prices of $508K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Craryville:
Property Strategy for 12521
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $346,061 | $2,040 | 4.2% | +10.6% | $173,030 |
| 3BR | $491,663 | $2,460 | 3.6% | +10.6% | $163,888 |
| 4BR | $737,337 | $2,700 | 2.6% | +10.8% | $184,334 |
Market Trends
Home Value History (with trend line)
📊 How Does 12521 Compare?
| Metric | 12521 | Craryville | Hudson, NY | New York |
|---|---|---|---|---|
| Home Value | $508,303 | $508,303 | N/A | $505,608 |
| 5-Year CAGR | 7.1% | 7.1% | N/A | 6.6% |
| Avg Rent | $1,836 | $1,836 | N/A | - |
| Cap Rate | 2.8% | 2.8% | - | - |
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 12521 (Craryville, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $508,303 |
| Monthly Rent | $1,836 |
| Price-to-Rent | 23.1:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.3% |
| Cap Rate | 2.8% |
| 5-Year IRR | 9.9% |
📈 Home Appreciation
| 1-Year | +9.0% ▲ |
| 3-Year CAGR | +5.9% ▲ |
| 5-Year CAGR | +7.1% ▲ |
| 10-Year CAGR | +8.0% ▲ |
🏠 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 (2.8%). 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 12521
Population: 1,874
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 12521
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.
🎓 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 much is rent in Craryville, NY?
Expect rents around $1,836/mo per month in Craryville, NY. With home values at $508K, the yield math works out to reasonable levels for rental investors.
What approach is best for Craryville, NY real estate?
A careful cash-flow rentals with hands-on management strategy Craryville, NY best. The market produces predictable results for that approach at the $508K price point.
Is Craryville, NY a smart market for rental property?
Craryville, NY rates 3.0/5 for investability. With median values at $508K and rents near $1,836/mo, the market offers reasonable fundamentals for rental investors.
How high is vacancy risk in Craryville, NY?
Expect elevated vacancy in Craryville, NY. Rents at $1,836/mo are absorbed by the tenant base without meaningful lag.
What is the median home value in Craryville, NY?
Homes in Craryville, NY typically sell near $508K. Prices have moved at a 0.0% 5-year CAGR, which measured long-term demand.
You know 12521 now. You don’t know where it ranks.
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How 12521 ranks in Hudson, NY
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