Real Estate Investing in Pine Bush, New York (12566)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Ulster County • Population: 11,718 • Data updated: September 2026

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Should you buy in 12566 (Pine Bush, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (58/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
2 flags
  • Elevated vacancy: 9.5% 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 Pine Bush, NY (12566)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $456,548
Avg Monthly Rent $1,800
1% Rule ✗ Does Not Meet
Median Income $99,679
% Renters 22.0%

Market Analysis: 12566 Pine Bush

Investors eyeing 12566 need to respect the fundamentals at play. Home values of $457K come alongside slower price movement and elevated management overhead.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $457K asset, 12566 is the wrong submarket. If the plan prices in friction, the yield can still work.

Statewide comparisons place 12566 among NY's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

From a cash-flow lens, 11,718 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.

New investors are better served looking at Pine Bush's stable or hybrid ZIPs before stepping into 12566. The learning curve here is expensive when the lesson is wrong.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Pine Bush:

C+ Average
Buy Confidence Score: 66/100
Affordability
10/25
Appreciation
22/25
Stability
11/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.6× the median income
Value Trend
Rising (+6.4%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,800/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
BALANCED MARKET
Kingston, NY Metro Area
Even conditions for buyers and sellers
55 days
Average time to sell
Average
6.2%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Kingston, NY metro data
🏠

Property Strategy for 12566

Which property type performs best in this market?

Best for Cash Flow
2BR
4.7% cap rate
Best for Appreciation
3BR
+9.6% 5yr CAGR
Best Overall Value
5BR
$114,578/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $248,943 $1,550 4.5% +8.3% $248,943
2BR $309,672 $2,000 4.7% +9.3% $154,836
3BR $432,473 $2,510 4.2% +9.6% $144,158
4BR $550,619 $2,690 3.5% +9.5% $137,655
5BR $572,889 +9.2% $114,578

Market Trends

Home Value History (with trend line)

$477K$418K$359K$299K$240K$181KJul 2006Jul 2016Jul 2026

📊 How Does 12566 Compare?

Metric 12566 Pine Bush Kingston, NY New York
Home Value $456,548 $486,001 N/A $505,608
5-Year CAGR 7.0% 7.6% N/A 6.6%
Avg Rent $1,800 $1,674 N/A -
Cap Rate 3.1% 2.7% - -
💡 Why Invest in 12566? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 12566 (Pine Bush, NY). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.1%
Low
5yr Growth
+7.0%
Strong

📉 Market Crash Risk Index

Based on Kingston, NY metro

1/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
43%
Days Pending
1/2
55 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $456,548
Monthly Rent $1,800
Price-to-Rent 21.1:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.7%
Cap Rate 3.1%
5-Year IRR 10.1%

📈 Home Appreciation

1-Year +6.4% ▲
3-Year CAGR +6.9% ▲
5-Year CAGR +7.0% ▲
10-Year CAGR +7.9% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.1%). 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.

Vacancy
9.5%
Moderate risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+7.0%
Growing
Eviction process: Slow Rent control: Unfavorable

Demographics in 12566

Population: 11,718

💰 Median Household Income
$99,679
This area
$99,679
State
$86,376
USA
$74,580
🏠 Renter Occupied
22.0%
This area
22.0%
State
26.4%
USA
34.0%
💼 Unemployment Rate
3.0%
This area
3.0%
State
-24.2%
USA
3.7%
🎓 College Educated
26.5%
This area
26.5%
State
4.2%
USA
33.7%
👤 Median Age
39.5 years
This area
39.5 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
9.5%
This area
9.5%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 83.0%
Other/Mixed 12.4%
Hispanic/Latino 10.4%
Black/African American 4.1%
Asian 0.6%
👶 Under 18
19.8%
This area
19.8%
USA
22.0%
👴 65 and Over
15.2%
This area
15.2%
USA
17.3%
📊 Poverty Rate
6.3%
This area
6.3%
USA
11.5%

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 12566

A+ Avg School Grade
4 Schools
14.0:1 Avg Class Size
$29,782 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

CRISPELL MIDDLE SCHOOL

📚 06 – 08 Middle
👥
615 Students
👨‍🏫
11.1:1 Class Size
💰
$29,782 Per Student
A+ Excellent

PINE BUSH ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
👥
647 Students
👨‍🏫
15.0:1 Class Size
💰
$29,782 Per Student
A Very Good

E J RUSSELL ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
👥
536 Students
👨‍🏫
15.3:1 Class Size
💰
$29,782 Per Student
A Very Good

PINE BUSH SENIOR HIGH SCHOOL

📚 09 – 12 High School
👥
1,596 Students
👨‍🏫
14.6:1 Class Size
💰
$29,782 Per Student
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

2 Nearby 1,348 Off-Campus Students
B
Yeshiva of Ocean
57 students · 11.6 mi
C
Orange County Community College
5,372 students · 13.6 mi

Investor Insight: With 1,348 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

How much should I expect to pay for a home in Pine Bush, NY?

Expect median prices around $457K in Pine Bush, NY. The market has run at a 0.0% 5-year CAGR, so entry costs have been stable.

What do rentals go for in Pine Bush, NY?

Average rent in Pine Bush, NY is approximately $1,800/mo per month. Against $457K home values that yields a reasonable rent-to-price ratio.

Is the tenant base reliable in Pine Bush, NY?

The renter base in Pine Bush, NY is reasonable for the $1,800/mo price point. Screening well and pricing to market typically yields stable tenants.

Does a duplex house hack pencil in Pine Bush, NY?

The a challenging house-hack environment in Pine Bush, NY reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.

How strict are landlord regulations in Pine Bush, NY?

Pine Bush, NY operates under NY law, which is tenant-protective overall for landlords. Expect measured treatment in typical lease and eviction cases.

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How 12566 ranks in Kingston, NY

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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