Real Estate Investing in Milton, New York (12547)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 12547 (Milton, NY)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- Elevated vacancy: 10.0% vacancy may signal weakening demand.
- 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 Milton, NY (12547)?
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Market Analysis: 12547 Milton
Investors eyeing 12547 need to respect the fundamentals at play. Home values of $480K come alongside slower price movement and elevated management overhead.
For an experienced owner, 12547 can be a a strong candidate for hunting ground — but the discount at $480K reflects genuine risk that outside investors often underestimate.
Nearby ZIPs in Milton have seen price recovery that 12547 has not matched. Ulster County data supports the view that the spread is structural rather than temporary.
Resident income in 12547 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
leans the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.
Here's what matters if you're considering buying a home in Milton:
Property Strategy for 12547
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $364,860 | $2,590 | 5.1% | +8.2% | $182,430 |
| 3BR | $446,434 | $3,200 | 5.2% | +10.0% | $148,811 |
| 4BR | $561,607 | $3,430 | 4.4% | +10.5% | $140,402 |
Market Trends
Home Value History (with trend line)
📊 How Does 12547 Compare?
| Metric | 12547 | Milton | Kingston, NY | New York |
|---|---|---|---|---|
| Home Value | $480,454 | $480,454 | N/A | $505,608 |
| 5-Year CAGR | 6.7% | 6.7% | N/A | 6.6% |
| Avg Rent | $2,331 | $2,331 | N/A | - |
| Cap Rate | 3.8% | 3.8% | - | - |
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 12547 (Milton, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $480,454 |
| Monthly Rent | $2,331 |
| Price-to-Rent | 17.2:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.8% |
| Cap Rate | 3.8% |
| 5-Year IRR | 10.4% |
📈 Home Appreciation
| 1-Year | +4.9% ▲ |
| 3-Year CAGR | +5.6% ▲ |
| 5-Year CAGR | +6.7% ▲ |
| 10-Year CAGR | +7.9% ▲ |
🏠 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 (3.8%). 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 12547
Population: 2,808
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 1,723 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
What is the typical renter like in Milton, NY?
Working renters make up the core of the Milton, NY tenant base. The pool is reasonable for investors targeting long-term holds.
How strict are landlord regulations in Milton, NY?
The landlord environment in Milton, NY is tenant-protective. Statewide rules shape most day-to-day operations for rental owners.
Where do home prices stand in Milton, NY?
The median home value in Milton, NY is roughly $480K. That puts it reasonable relative to the NY statewide average.
What approach is best for Milton, NY real estate?
Investors usually favor careful cash-flow rentals with hands-on management in Milton, NY. With home values at $480K and rents near $2,331/mo, other strategies can work but produce stable rather than outsized returns.
Is Milton in NY worth investing in?
Milton, NY reports an investability rating of 3.0/5, with median home values near $480K and average rents around $2,331/mo. That combination puts it in the significant tier for investor interest.
You know 12547 now. You don’t know where it ranks.
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How 12547 ranks in Kingston, NY
Every ZIP in this metro, ranked. Free.
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