Real Estate Investing in Cadyville, New York (12918)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 12918 (Cadyville, NY)? Our answer, based on the numbers below.
Strong fundamentals — affordable, appreciating, and stable. A confident pick for primary residence.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- 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 Cadyville, NY (12918)?
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Market Analysis: 12918 Cadyville
ZIP 12918 inside Clinton County looks affordable on the surface — median value of $220K — but the discount exists for reasons that a careful buyer should understand before committing.
Distressed markets are won on execution, not on spreadsheets. ZIP 12918 stands at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
Regionally, 12918 sits on the difficult end of the NY spectrum. The a viable market for read — for disciplined operators — is that pricing reflects the difficulty.
Employment concentration in 12918 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
leans the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.
Here's what matters if you're considering buying a home in Cadyville:
Property Strategy for 12918
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $173,103 | $1,230 | 5.1% | +6.6% | $86,551 |
| 3BR | $214,620 | $1,470 | 4.9% | +6.9% | $71,540 |
| 4BR | $255,021 | $1,620 | 4.6% | +7.7% | $63,755 |
Market Trends
Home Value History (with trend line)
📊 How Does 12918 Compare?
| Metric | 12918 | Cadyville | Plattsburgh, NY | New York |
|---|---|---|---|---|
| Home Value | $219,879 | $219,879 | N/A | $505,608 |
| 5-Year CAGR | 5.9% | 5.9% | N/A | 6.6% |
| Avg Rent | $1,107 | $1,107 | N/A | - |
| Cap Rate | 3.9% | 3.9% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 12918 (Cadyville, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $219,879 |
| Monthly Rent | $1,107 |
| Price-to-Rent | 16.6:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.0% |
| Cap Rate | 3.9% |
| 5-Year IRR | 9.8% |
📈 Home Appreciation
| 1-Year | +7.2% ▲ |
| 3-Year CAGR | +5.1% ▲ |
| 5-Year CAGR | +5.9% ▲ |
| 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 (3.9%). 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 12918
Population: 2,762
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 566 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
How much rent can I charge in Cadyville, NY?
Rents in Cadyville, NY run near $1,107/mo. Compared with median home prices of $220K that produces solid gross yields for typical rentals.
What is the best play in Cadyville, NY?
Cadyville, NY investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($220K prices, $1,107/mo rents) make it a reasonable choice.
Is real estate in Cadyville, NY a good investment right now?
Cadyville, NY scores 3.0/5 for investability. Home values sit at $220K and rents near $1,107/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.
Are there empty rentals in Cadyville, NY?
Vacancy in Cadyville, NY is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,107/mo.
Can I house hack in Cadyville, NY?
Cadyville, NY is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $220K price point reasonable to enter.
You know 12918 now. You don’t know where it ranks.
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How 12918 ranks in Plattsburgh, NY
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