Real Estate Investing in Elizaville, New York (12523)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 12523 (Elizaville, 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: 26.7% of homes vacant — above national norms.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
- High price-to-rent: Price-to-rent ratio 29.0 — 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 Elizaville, NY (12523)?
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Market Analysis: 12523 Elizaville
The 12523 ZIP covers a section of Elizaville that demands careful diligence. Prices near $426K look accessible, but the work to make a deal cash flow is real.
Rent of $1,224/mo on a $426K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 12523 sits below the stated 0.0% once reality is priced in.
ZIP 12523's metrics run below Columbia County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
A notable renter share of 22% in 12523 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
Distressed ZIPs reward experience. durable returns are possible in 12523, but they flow to investors who already understand how to operate in soft markets.
Here's what matters if you're considering buying a home in Elizaville:
Property Strategy for 12523
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $321,856 | $1,360 | 3.0% | +10.0% | $160,928 |
| 3BR | $424,907 | $1,640 | 2.8% | +9.3% | $141,636 |
| 4BR | $534,392 | $1,800 | 2.4% | +10.3% | $133,598 |
Market Trends
Home Value History (with trend line)
📊 How Does 12523 Compare?
| Metric | 12523 | Elizaville | Hudson, NY | New York |
|---|---|---|---|---|
| Home Value | $426,481 | $426,481 | N/A | $505,608 |
| 5-Year CAGR | 6.3% | 6.3% | N/A | 6.6% |
| Avg Rent | $1,224 | $1,224 | N/A | - |
| Cap Rate | 2.2% | 2.2% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 12523 (Elizaville, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $426,481 |
| Monthly Rent | $1,224 |
| Price-to-Rent | 29.0:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.4% |
| Cap Rate | 2.2% |
| 5-Year IRR | 8.6% |
📈 Home Appreciation
| 1-Year | +8.4% ▲ |
| 3-Year CAGR | +4.5% ▲ |
| 5-Year CAGR | +6.3% ▲ |
| 10-Year CAGR | +7.2% ▲ |
🏠 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 (2.2%). 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 12523
Population: 2,132
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
What do landlords charge for rent in Elizaville, NY?
The typical rental in Elizaville, NY commands about $1,224/mo monthly. That rent profile measured cash flow against the $426K purchase basis.
Is Elizaville, NY better for rentals, flips, or BRRRR?
The best-fit strategy in Elizaville, NY is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.
Does Elizaville, NY make sense for an investment property?
Elizaville, NY registers an investability rating of 3.0/5, with median home values near $426K and average rents around $1,224/mo. That combination puts it in the notable tier for investor interest.
Is Elizaville, NY a friendly market for rental owners?
Rental owners in Elizaville, NY deal with a tenant-protective legal framework. Most standard eviction processes run on reasonable timelines.
What are home prices like in Elizaville, NY?
In Elizaville, NY the median home value sits at $426K. Against the broader NY market, that reads as reasonable for most investors.
You know 12523 now. You don’t know where it ranks.
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How 12523 ranks in Hudson, NY
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