Real Estate Investing in Liberty, New York (12754)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 12754 (Liberty, 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.
- High vacancy: 24.3% of homes vacant — above national norms.
- 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 Liberty, NY (12754)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 12754 Liberty
On balance, ZIP 12754 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $276K median. It rewards specialists, not generalists.
Rent of $1,368/mo on a $276K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 12754 sits below the stated 0.0% once reality is priced in.
Within NY, ZIP 12754 trails on several market indicators that neighboring Sullivan County submarkets outperform. The gap is real and resilient enough to shape underwriting.
Who lives in 12754 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
tilts toward 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 Liberty:
Property Strategy for 12754
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $199,760 | $1,520 | 5.5% | +15.1% | $99,880 |
| 3BR | $257,324 | $1,920 | 5.4% | +17.0% | $85,775 |
| 4BR | $279,577 | $2,120 | 5.5% | +13.4% | $69,894 |
| 5BR | $302,052 | — | — | +12.4% | $60,410 |
Market Trends
Home Value History (with trend line)
📊 How Does 12754 Compare?
| Metric | 12754 | Liberty | New York |
|---|---|---|---|
| Home Value | $275,826 | $275,826 | $505,608 |
| 5-Year CAGR | 12.5% | 12.5% | 6.6% |
| Avg Rent | $1,368 | $1,368 | - |
| 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 12754 (Liberty, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $275,826 |
| Monthly Rent | $1,368 |
| Price-to-Rent | 16.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.0% |
| Cap Rate | 3.9% |
| 5-Year IRR | 16.4% |
📈 Home Appreciation
| 1-Year | +11.5% ▲ |
| 3-Year CAGR | +11.5% ▲ |
| 5-Year CAGR | +12.5% ▲ |
| 10-Year CAGR | +11.6% ▲ |
🏠 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 (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 12754
Population: 8,525
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 12754
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
Are there empty rentals in Liberty, NY?
Vacancy in Liberty, NY is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,368/mo.
Are eviction rules reasonable in Liberty, NY?
Liberty, NY falls under NY landlord-tenant law, which is tenant-protective. That backdrop makes day-to-day property management reasonable.
What are rental rates like in Liberty, NY?
Rental rates in Liberty, NY average $1,368/mo. Tenant demand and $276K home values make the yield look reasonable by investor standards.
How qualified is the tenant pool in Liberty, NY?
The tenant pool in Liberty, NY is solid, supported by local employment and population fundamentals. Rents of $1,368/mo are well-absorbed by the market.
Is Liberty, NY a good market for buy-and-hold investors?
Our data puts Liberty, NY at 3.0/5 for investability. Home prices of $276K and rents around $1,368/mo create a solid backdrop for investor activity.
You know 12754 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 12754 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.
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Community Ratings
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