Real Estate Investing in Gardiner, New York (12525)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 12525 (Gardiner, 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: 39.2% 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 26.9 — 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 Gardiner, NY (12525)?
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Market Analysis: 12525 Gardiner
ZIP 12525 in Gardiner, NY carries a sturdy set of headwinds. Home values near $563K and rents of $1,746/mo sit inside a market where underwriting has to be tight.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $563K asset, 12525 is the wrong submarket. If the plan prices in friction, the yield can still work.
Within NY, ZIP 12525 trails on several market indicators that neighboring Ulster County submarkets outperform. The gap is real and substantial enough to shape underwriting.
The 12525 ZIP's population of 1,710 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that stands at the need for careful underwriting.
The 12525 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.
Here's what matters if you're considering buying a home in Gardiner:
Property Strategy for 12525
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $410,447 | $1,940 | 3.4% | +8.2% | $205,224 |
| 3BR | $540,175 | $2,400 | 3.2% | +9.0% | $180,058 |
| 4BR | $655,793 | $2,570 | 2.8% | +9.5% | $163,948 |
Market Trends
Home Value History (with trend line)
📊 How Does 12525 Compare?
| Metric | 12525 | Gardiner | Kingston, NY | New York |
|---|---|---|---|---|
| Home Value | $562,548 | $562,548 | N/A | $505,608 |
| 5-Year CAGR | 5.3% | 5.3% | N/A | 6.6% |
| Avg Rent | $1,746 | $1,746 | N/A | - |
| Cap Rate | 2.4% | 2.4% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 12525 (Gardiner, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $562,548 |
| Monthly Rent | $1,746 |
| Price-to-Rent | 26.9:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.7% |
| Cap Rate | 2.4% |
| 5-Year IRR | 7.8% |
📈 Home Appreciation
| 1-Year | +6.0% ▲ |
| 3-Year CAGR | +5.1% ▲ |
| 5-Year CAGR | +5.3% ▲ |
| 10-Year CAGR | +7.5% ▲ |
🏠 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 (2.4%). 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 12525
Population: 1,710
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 2,397 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
What kind of market is Gardiner, NY for investors?
With a 3.0/5 investability score, Gardiner, NY ranks as a solid market for rental property investors. Median prices of $563K and rents of $1,746/mo drive the underlying numbers.
What is the average monthly rent in Gardiner, NY?
Average rent in Gardiner, NY is approximately $1,746/mo per month. Against $563K home values that yields a reasonable rent-to-price ratio.
What is the tenant pool like in Gardiner, NY?
Gardiner, NY offers a measured renter base at the $1,746/mo rent level. Tenant turnover is reasonable for well-managed properties.
What is the typical vacancy rate in Gardiner, NY?
Gardiner, NY carries elevated vacancy risk. Expect steady absorption at market rents of $1,746/mo.
How should investors approach Gardiner, NY?
Investors who focus on careful cash-flow rentals with hands-on management typically do well in Gardiner, NY. The numbers - $563K homes against $1,746/mo rents - support that play.
You know 12525 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 12525 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 12525 ranks in Kingston, NY
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