Real Estate Investing in Highland, New York (12528)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 12528 (Highland, 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.
- Elevated vacancy: 10.7% vacancy may signal weakening demand.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
What’s happening in Highland, NY (12528)?
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Market Analysis: 12528 Highland
Investors eyeing 12528 need to respect the fundamentals at play. Home values of $439K come alongside slower price movement and elevated management overhead.
The investment case in 12528 is impressive only for operators who understand what they are buying. A $439K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
In the broader NY picture, 12528 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.
Resident income in 12528 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
New investors are better served looking at Highland's stable or hybrid ZIPs before stepping into 12528. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Highland:
Property Strategy for 12528
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $321,488 | $2,240 | 5.0% | +10.0% | $160,744 |
| 3BR | $420,310 | $2,770 | 4.7% | +9.5% | $140,103 |
| 4BR | $530,942 | $2,970 | 4.0% | +9.9% | $132,736 |
| 5BR | $543,357 | — | — | +9.6% | $108,671 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 12528 Compare?
| Metric | 12528 | Highland | Kingston, NY | New York |
|---|---|---|---|---|
| Home Value | $439,479 | $492,661 | N/A | $505,608 |
| 5-Year CAGR | 6.8% | 6.2% | N/A | 6.6% |
| Avg Rent | $1,933 | $1,961 | N/A | - |
| Cap Rate | 3.4% | 3.1% | - | - |
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 12528 (Highland, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $439,479 |
| Monthly Rent | $1,933 |
| Price-to-Rent | 19.0:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.3% |
| Cap Rate | 3.4% |
| 5-Year IRR | 10.2% |
📈 Home Appreciation
| 1-Year | +5.8% ▲ |
| 3-Year CAGR | +5.4% ▲ |
| 5-Year CAGR | +6.8% ▲ |
| 10-Year CAGR | +7.8% ▲ |
🏠 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 (3.4%). 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 12528
Population: 13,818
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 12528
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 2,482 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
What are rental rates like in Highland, NY?
Rental rates in Highland, NY average $1,933/mo. Tenant demand and $439K home values make the yield look reasonable by investor standards.
What is the average home sale price in Highland, NY?
Typical homes in Highland, NY go for around $439K. The 5-year CAGR of 0.0% consistent price movement.
What is the typical vacancy rate in Highland, NY?
Highland, NY vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.
What does house hacking look like in Highland, NY?
For house hackers, Highland, NY is a challenging. The $1,933/mo rent on a unit helps defray the mortgage on a $439K property.
What approach is best for Highland, NY real estate?
Investors who focus on careful cash-flow rentals with hands-on management typically do well in Highland, NY. The numbers - $439K homes against $1,933/mo rents - support that play.
You know 12528 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 12528 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 12528 ranks in Kingston, NY
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