Real Estate Investing in Roscoe, New York (12776)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 12776 (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: 60.4% 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 Roscoe, NY (12776)?
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Market Analysis: 12776 Roscoe
Not every below-median market is a bargain. Roscoe's 12776 ZIP comes in at signals that favor experienced operators who can absorb the risk $301K pricing implies.
Distressed markets are won on execution, not on spreadsheets. ZIP 12776 reports the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
ZIP 12776'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.
A durable renter share of 12% in 12776 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
Strategy in 12776 is an operator game, not a passive one. Turning to rents, entry prices of $301K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Roscoe:
Property Strategy for 12776
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $282,544 | $1,470 | 3.7% | +11.1% | $141,272 |
| 3BR | $335,358 | $2,040 | 4.4% | +11.0% | $111,786 |
| 4BR | $371,212 | $2,120 | 4.1% | +12.5% | $92,803 |
Market Trends
Home Value History (with trend line)
📊 How Does 12776 Compare?
| Metric | 12776 | Roscoe | New York |
|---|---|---|---|
| Home Value | $301,361 | $325,120 | $505,608 |
| 5-Year CAGR | 4.0% | 4.1% | 6.6% |
| Avg Rent | $1,323 | $1,265 | - |
| Cap Rate | 3.4% | 3.1% | - |
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 12776 (Roscoe, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $301,361 |
| Monthly Rent | $1,323 |
| Price-to-Rent | 19.0:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.3% |
| Cap Rate | 3.4% |
| 5-Year IRR | 7.4% |
📈 Home Appreciation
| 1-Year | +4.5% ▲ |
| 3-Year CAGR | +2.7% ▲ |
| 5-Year CAGR | +4.0% ▲ |
| 10-Year CAGR | +6.5% ▲ |
🏠 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 (3.4%). 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 12776
Population: 2,046
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 12776
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.
Frequently Asked Questions
Is Roscoe, NY a smart market for rental property?
Roscoe, NY registers an investability rating of 3.0/5, with median home values near $301K and average rents around $1,323/mo. That combination puts it in the notable tier for investor interest.
How strong is the working-renter base in Roscoe, NY?
Tenant quality in Roscoe, NY ranks as solid. Landlords generally report consistent occupancy at market rents of $1,323/mo.
What are rental rates like in Roscoe, NY?
Rents in Roscoe, NY run near $1,323/mo. Compared with median home prices of $301K that produces solid gross yields for typical rentals.
What kind of vacancy should I budget for in Roscoe, NY?
Rental vacancy in Roscoe, NY is elevated. Investors should budget normal turnover but not chronic empty units.
What approach is best for Roscoe, NY real estate?
For Roscoe, NY, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.
You know 12776 now. You don’t know where it ranks.
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