Real Estate Investing in Newburgh, New York (12550)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 12550 (Newburgh, 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: 10.0% vacancy may signal weakening demand.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
What’s happening in Newburgh, NY (12550)?
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Market Analysis: 12550 Newburgh
The 12550 ZIP in Newburgh, NY is a local-operator market. Outside capital chasing a $407K entry has to pair deep knowledge with the discount.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $407K asset, 12550 is the wrong submarket. If the plan prices in friction, the yield can still work.
On the rental side, 12550 offers a low basis, the region around Newburgh has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
Who lives in 12550 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
Strategically, 12550 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.
Here's what matters if you're considering buying a home in Newburgh:
Property Strategy for 12550
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 1BR | $180,879 | $1,470 | 5.9% | +10.2% | $180,879 |
| 2BR | $299,042 | $1,880 | 4.5% | +10.5% | $149,521 |
| 3BR | $392,482 | $2,390 | 4.4% | +9.5% | $130,827 |
| 4BR | $495,075 | $2,560 | 3.7% | +9.4% | $123,769 |
| 5BR | $488,526 | — | — | +9.1% | $97,705 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 12550 Compare?
| Metric | 12550 | Newburgh | Poughkeepsie-Newburgh-Middletown, NY | New York |
|---|---|---|---|---|
| Home Value | $406,543 | $406,543 | N/A | $505,608 |
| 5-Year CAGR | 6.8% | 6.8% | N/A | 6.6% |
| Avg Rent | $2,017 | $2,017 | N/A | - |
| Cap Rate | 3.9% | 3.9% | - | - |
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 12550 (Newburgh, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $406,543 |
| Monthly Rent | $2,017 |
| Price-to-Rent | 16.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.0% |
| Cap Rate | 3.9% |
| 5-Year IRR | 10.7% |
📈 Home Appreciation
| 1-Year | +6.0% ▲ |
| 3-Year CAGR | +5.7% ▲ |
| 5-Year CAGR | +6.8% ▲ |
| 10-Year CAGR | +8.3% ▲ |
🏠 Rent Trends
| 1-Year | +6.3% ▲ |
| 3-Year CAGR | +6.8% ▲ |
| 5-Year CAGR | +7.6% ▲ |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.9%). 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 12550
Population: 54,996
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 12550
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
Frequently Asked Questions
What real estate strategy is ideal for Newburgh, NY?
Investors usually favor careful cash-flow rentals with hands-on management in Newburgh, NY. With home values at $407K and rents near $2,017/mo, other strategies can work but produce steady rather than outsized returns.
How much is rent in Newburgh, NY?
Investors in Newburgh, NY typically see rents near $2,017/mo per month against $407K home values - a solid setup for rental cash flow.
Are there empty rentals in Newburgh, NY?
Rental vacancy in Newburgh, NY is elevated. Investors should budget normal turnover but not chronic empty units.
Can I live-in-and-rent in Newburgh, NY?
House hacking in Newburgh, NY is reasonable to execute. Prices around $407K and rents of $2,017/mo solid owner-occupant economics.
Is it easy to find good tenants in Newburgh, NY?
Newburgh, NY draws a measured base of working renters. Demand at the $2,017/mo rent level is reasonable for standard single-family and small multi rentals.
You know 12550 now. You don’t know where it ranks.
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How 12550 ranks in Poughkeepsie-Newburgh-Middletown, NY
Every ZIP in this metro, ranked. Free.
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