Real Estate Investing in Middle Grove, New York (12850)
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Should you buy in 12850 (Middle Grove, 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: 21.5% 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 Middle Grove, NY (12850)?
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Market Analysis: 12850 Middle Grove
The 12850 ZIP covers a section of Middle Grove that demands careful diligence. Prices near $361K look accessible, but the work to make a deal cash flow is real.
The 12850 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
ZIP 12850's metrics run below Saratoga County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
A resilient renter share of 13% in 12850 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
The 12850 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.
Here's what matters if you're considering buying a home in Middle Grove:
Property Strategy for 12850
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $258,521 | $1,560 | 4.3% | +6.2% | $129,260 |
| 3BR | $373,225 | $1,870 | 3.6% | +6.2% | $124,408 |
| 4BR | $487,189 | $2,070 | 3.1% | +7.1% | $121,797 |
Market Trends
Home Value History (with trend line)
📊 How Does 12850 Compare?
| Metric | 12850 | Middle Grove | Albany-Schenectady-Troy, NY | New York |
|---|---|---|---|---|
| Home Value | $360,899 | $360,899 | N/A | $505,608 |
| 5-Year CAGR | 4.7% | 4.7% | N/A | 6.6% |
| Avg Rent | $1,404 | $1,404 | N/A | - |
| Cap Rate | 3.0% | 3.0% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 12850 (Middle Grove, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $360,899 |
| Monthly Rent | $1,404 |
| Price-to-Rent | 21.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.7% |
| Cap Rate | 3.0% |
| 5-Year IRR | 7.8% |
📈 Home Appreciation
| 1-Year | +6.1% ▲ |
| 3-Year CAGR | +4.2% ▲ |
| 5-Year CAGR | +4.7% ▲ |
| 10-Year CAGR | +5.5% ▲ |
🏠 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 (3.0%). 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 12850
Population: 2,537
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
Investor Insight: With 6,118 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
What investment strategy works best in Middle Grove, NY?
Middle Grove, NY investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($361K prices, $1,404/mo rents) make it a reasonable choice.
What is the tenant pool like in Middle Grove, NY?
The renter base in Middle Grove, NY is reasonable for the $1,404/mo price point. Screening well and pricing to market typically yields stable tenants.
Does Middle Grove, NY favor landlords or tenants?
The landlord environment in Middle Grove, NY is tenant-protective. Statewide rules shape most day-to-day operations for rental owners.
How strong is Middle Grove, NY for real estate investors?
With a 3.0/5 investability score, Middle Grove, NY ranks as a solid market for rental property investors. Median prices of $361K and rents of $1,404/mo drive the underlying numbers.
Are homes affordable in Middle Grove, NY?
Median home price in Middle Grove, NY is near $361K, with a 5-year CAGR of 0.0%. Prices have been reliable and supportive of buy-and-hold strategies.
You know 12850 now. You don’t know where it ranks.
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How 12850 ranks in Albany-Schenectady-Troy, NY
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