Real Estate Investing in Whitehall, New York (12887)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 12887 (Whitehall, NY)? Our answer, based on the numbers below.
Solid choice — values are growing steadily and the market is stable enough to buy with confidence.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 16.8% 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 Whitehall, NY (12887)?
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Market Analysis: 12887 Whitehall
The 12887 ZIP covers a section of Whitehall that demands careful diligence. Prices near $177K look accessible, but the work to make a deal cash flow is real.
For an experienced owner, 12887 can be a worth a close look for hunting ground — but the discount at $177K reflects genuine risk that outside investors often underestimate.
The gap between 12887 and stronger Whitehall ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
A healthy renter share of 28% in 12887 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
New investors are better served looking at Whitehall's stable or hybrid ZIPs before stepping into 12887. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Whitehall:
Property Strategy for 12887
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $141,311 | $1,240 | 6.3% | +7.2% | $70,655 |
| 3BR | $163,781 | $1,600 | 7.0% | +6.1% | $54,594 |
| 4BR | $180,108 | $1,640 | 6.6% | +6.0% | $45,027 |
Market Trends
Home Value History (with trend line)
📊 How Does 12887 Compare?
| Metric | 12887 | Whitehall | Glens Falls, NY | New York |
|---|---|---|---|---|
| Home Value | $177,047 | $203,388 | N/A | $505,608 |
| 5-Year CAGR | 6.4% | 6.1% | N/A | 6.6% |
| Avg Rent | $1,116 | $1,193 | N/A | - |
| Cap Rate | 4.9% | 4.6% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 12887 (Whitehall, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $177,047 |
| Monthly Rent | $1,116 |
| Price-to-Rent | 13.2:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 7.6% |
| Cap Rate | 4.9% |
| 5-Year IRR | 11.3% |
📈 Home Appreciation
| 1-Year | +12.2% ▲ |
| 3-Year CAGR | +7.2% ▲ |
| 5-Year CAGR | +6.4% ▲ |
| 10-Year CAGR | +5.8% ▲ |
🏠 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 (4.9%). 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 12887
Population: 4,629
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 12887
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
How does Whitehall, NY rate as a rental market?
Our data puts Whitehall, NY at 3.0/5 for investability. Home prices of $177K and rents around $1,116/mo create a solid backdrop for investor activity.
What is the tenant pool like in Whitehall, NY?
Working renters make up the core of the Whitehall, NY tenant base. The pool is reasonable for investors targeting long-term holds.
How much rent can I charge in Whitehall, NY?
Rental rates in Whitehall, NY average $1,116/mo. Tenant demand and $177K home values make the yield look reasonable by investor standards.
What strategy should investors use in Whitehall, NY?
In Whitehall, NY the substantial play is typically careful cash-flow rentals with hands-on management. The combination of $177K prices and $1,116/mo rents suits that approach.
What is the typical vacancy rate in Whitehall, NY?
Expect elevated vacancy in Whitehall, NY. Rents at $1,116/mo are absorbed by the tenant base without meaningful lag.
You know 12887 now. You don’t know where it ranks.
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How 12887 ranks in Glens Falls, NY
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