Real Estate Investing in Bolton Landing, New York (12814)

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

Warren County • Population: 1,145 • Data updated: September 2026

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Should you buy in 12814 (Bolton Landing, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (46/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 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
3 flags
  • High vacancy: 64.6% of homes vacant — above national norms.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
  • High price-to-rent: Price-to-rent ratio 55.6 — hard to cash-flow at these prices.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Bolton Landing, NY (12814)?

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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 $786,377
Avg Monthly Rent $1,179
1% Rule ✗ Does Not Meet
Median Income $97,321
% Renters 9.1%

Market Analysis: 12814 Bolton Landing

The 12814 ZIP in Bolton Landing, NY is a local-operator market. Outside capital chasing a $786K entry has to pair deep knowledge with the discount.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 12814 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

The gap between 12814 and stronger Bolton Landing ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Employment concentration in 12814 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

Strategy in 12814 is an operator game, not a passive one. Put differently, entry prices of $786K are inviting, the management lift is real and non-optional.

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 Bolton Landing:

C Below Average
Buy Confidence Score: 55/100
Affordability
0/25
Appreciation
25/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 8.1× the median income
Value Trend
Rising (+6.8%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,179/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
⚖️
BALANCED MARKET
Glens Falls, NY Metro Area
Even conditions for buyers and sellers
46 days
Average time to sell
Average
8.9%
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 Glens Falls, NY metro data
🏠

Property Strategy for 12814

Which property type performs best in this market?

Best for Cash Flow
3BR
1.8% cap rate
Best for Appreciation
2BR
+12.3% 5yr CAGR
Best Overall Value
3BR
$230,615/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $665,696 $1,310 1.4% +12.3% $332,848
3BR $691,845 $1,690 1.8% +9.3% $230,615
4BR $1,000,080 $1,730 1.2% +9.9% $250,020
5BR $1,540,241 +8.8% $308,048

Market Trends

Home Value History (with trend line)

$825K$712K$599K$486K$373K$260KJul 2006Jul 2016Jul 2026

📊 How Does 12814 Compare?

Metric 12814 Bolton Landing Glens Falls, NY New York
Home Value $786,377 $786,377 N/A $505,608
5-Year CAGR 7.9% 7.9% N/A 6.6%
Avg Rent $1,179 $1,179 N/A -
Cap Rate 1.2% 1.2% - -
💡 Why Invest in 12814? 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 →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 12814 (Bolton Landing, NY). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
1.2%
Low
5yr Growth
+7.9%
Strong

📉 Market Crash Risk Index

Based on Glens Falls, NY metro

1/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
48%
Days Pending
1/2
46 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $786,377
Monthly Rent $1,179
Price-to-Rent 55.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 1.8%
Cap Rate 1.2%
5-Year IRR 9.1%

📈 Home Appreciation

1-Year +6.8% ▲
3-Year CAGR +4.5% ▲
5-Year CAGR +7.9% ▲
10-Year CAGR +8.0% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 1.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (1.2%). 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.

Vacancy
64.6%
Elevated risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+7.9%
Growing
Eviction process: Slow Rent control: Unfavorable

Demographics in 12814

Population: 1,145

💰 Median Household Income
$97,321
This area
$97,321
State
$86,376
USA
$74,580
🏠 Renter Occupied
9.1%
This area
9.1%
State
26.4%
USA
34.0%
💼 Unemployment Rate
1.4%
This area
1.4%
State
-24.2%
USA
3.7%
🎓 College Educated
23.8%
This area
23.8%
State
4.2%
USA
33.7%
👤 Median Age
59.6 years
This area
59.6 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
64.6%
This area
64.6%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 99.4%
Black/African American 0.6%
👶 Under 18
7.7%
This area
7.7%
USA
22.0%
👴 65 and Over
35.4%
This area
35.4%
USA
17.3%
📊 Poverty Rate
5.4%
This area
5.4%
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 12814

A+ Avg School Grade
1 Schools
7.2:1 Avg Class Size
$52,765 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

BOLTON CENTRAL SCHOOL

📚 Pre-K – 12 K-12
👥
180 Students
👨‍🏫
7.2:1 Class Size
💰
$52,765 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
C+
Word of Life Bible Institute
549 students · 12.6 mi
C+
Davis College
137 students · 12.6 mi

Frequently Asked Questions

How does Bolton Landing, NY rate as a rental market?

Bolton Landing, NY scores 3.0/5 for investability. Home values sit at $786K and rents near $1,179/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.

Is Bolton Landing, NY good for house hacking?

House hacking in Bolton Landing, NY is a challenging. With home values around $786K and rents at $1,179/mo, owner-occupants can offset a meaningful share of PITI.

What investment strategy works best in Bolton Landing, NY?

Most investors in Bolton Landing, NY run a careful cash-flow rentals with hands-on management strategy. It aligns with the 3.0/5 investability profile and the market fundamentals.

How high is vacancy risk in Bolton Landing, NY?

Vacancy risk in Bolton Landing, NY is elevated. That supports steady cash flow for typical rental holds.

What is the typical home price in Bolton Landing, NY?

In Bolton Landing, NY the median home value sits at $786K. Against the broader NY market, that reads as reasonable for most investors.

You know 12814 now. You don’t know where it ranks.

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How 12814 ranks in Glens Falls, NY

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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