Real Estate Investing in Rock Hill, New York (12775)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 12775 (Rock Hill, 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.
- High vacancy: 38.8% 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 Rock Hill, NY (12775)?
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Market Analysis: 12775 Rock Hill
ZIP 12775 in Rock Hill, NY carries a significant set of headwinds. Home values near $416K and rents of $1,719/mo sit inside a market where underwriting has to be tight.
Rent of $1,719/mo on a $416K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 12775 sits below the stated 0.0% once reality is priced in.
ZIP 12775's metrics run below Sullivan County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
The demographic picture in 12775 includes headwinds that any investor should price in. Income distribution skews lower than Rock Hill averages, and tenant stability requires active management.
Strategy in 12775 is an operator game, not a passive one. Meanwhile, entry prices of $416K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Rock Hill:
Property Strategy for 12775
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $296,058 | $1,910 | 4.6% | +11.4% | $148,029 |
| 3BR | $360,098 | $2,660 | 5.3% | +11.4% | $120,033 |
| 4BR | $447,644 | $2,770 | 4.5% | +10.8% | $111,911 |
Market Trends
Home Value History (with trend line)
📊 How Does 12775 Compare?
| Metric | 12775 | Rock Hill | New York |
|---|---|---|---|
| Home Value | $415,696 | $415,696 | $505,608 |
| 5-Year CAGR | 7.9% | 7.9% | 6.6% |
| Avg Rent | $1,719 | $1,719 | - |
| Cap Rate | 3.2% | 3.2% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 12775 (Rock Hill, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $415,696 |
| Monthly Rent | $1,719 |
| Price-to-Rent | 20.2:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.0% |
| Cap Rate | 3.2% |
| 5-Year IRR | 11.1% |
📈 Home Appreciation
| 1-Year | +8.9% ▲ |
| 3-Year CAGR | +5.4% ▲ |
| 5-Year CAGR | +7.9% ▲ |
| 10-Year CAGR | +8.5% ▲ |
🏠 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 (3.2%). 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 12775
Population: 2,661
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
Frequently Asked Questions
How much rent can I charge in Rock Hill, NY?
Rent in Rock Hill, NY is around $1,719/mo. The resulting rent-to-value relationship with $416K pricing is reasonable for most investor models.
Are renters plentiful in Rock Hill, NY?
Rock Hill, NY offers a predictable renter base at the $1,719/mo rent level. Tenant turnover is reasonable for well-managed properties.
How does Rock Hill, NY stack up for property investment?
Investors tracking Rock Hill, NY will find a 3.0/5 rating supported by $416K median home values and $1,719/mo rents. That profile suits long-term holders targeting reliable returns.
What is the smart move for investors in Rock Hill, NY?
For Rock Hill, NY, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.
How quickly do rentals get leased in Rock Hill, NY?
Expect elevated vacancy in Rock Hill, NY. Rents at $1,719/mo are absorbed by the tenant base without meaningful lag.
You know 12775 now. You don’t know where it ranks.
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