Real Estate Investing in Roscoe, New York (12724)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 12724 (Roscoe, 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: 67.7% of homes vacant — above national norms.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Roscoe, NY (12724)?
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Market Analysis: 12724 Roscoe
The 12724 ZIP in Roscoe, NY is a local-operator market. Outside capital chasing a $349K entry has to pair deep knowledge with the discount.
The 12724 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
Within NY, ZIP 12724 trails on several market indicators that neighboring Sullivan County submarkets outperform. The gap is real and resilient enough to shape underwriting.
The 12724 ZIP's population of 77 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that comes in at the need for careful underwriting.
Strategically, 12724 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 Roscoe:
Market Trends
Home Value History (with trend line)
📊 How Does 12724 Compare?
| Metric | 12724 | Roscoe | New York |
|---|---|---|---|
| Home Value | $348,879 | $325,120 | $505,608 |
| 5-Year CAGR | 4.3% | 4.1% | 6.6% |
| Avg Rent | $1,206 | $1,265 | - |
| Cap Rate | 2.7% | 3.1% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 12724 (Roscoe, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $348,879 |
| Monthly Rent | $1,206 |
| Price-to-Rent | 24.1:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.2% |
| Cap Rate | 2.7% |
| 5-Year IRR | 7.0% |
📈 Home Appreciation
| 1-Year | +4.6% ▲ |
| 3-Year CAGR | +2.4% ▲ |
| 5-Year CAGR | +4.3% ▲ |
| 10-Year CAGR | +6.6% ▲ |
🏠 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 (2.7%). 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 12724
Population: 77
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
Frequently Asked Questions
Where do rents currently stand in Roscoe, NY?
Roscoe, NY rentals go for roughly $1,206/mo a month. That puts gross yield in solid territory relative to $349K acquisition costs.
What is the typical home price in Roscoe, NY?
Roscoe, NY median home values land near $349K. That is reasonable territory for investors looking at $1,206/mo-per-month rentals.
What kind of market is Roscoe, NY for investors?
With a 3.0/5 investability score, Roscoe, NY ranks as a solid market for rental property investors. Median prices of $349K and rents of $1,206/mo drive the underlying numbers.
How high is vacancy risk in Roscoe, NY?
Occupancy in Roscoe, NY runs consistent with elevated vacancy. Well-priced units at $1,206/mo lease on reasonable timelines.
What real estate strategy is ideal for Roscoe, NY?
Investors usually favor careful cash-flow rentals with hands-on management in Roscoe, NY. With home values at $349K and rents near $1,206/mo, other strategies can work but produce predictable rather than outsized returns.
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