Real Estate Investing in Chateaugay, New York (12920)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 12920 (Chateaugay, NY)? Our answer, based on the numbers below.
Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- High vacancy: 32.6% 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 Chateaugay, NY (12920)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 12920 Chateaugay
This part of Franklin County is not an easy win. The 12920 ZIP clocks in at softness in key indicators, and the playbook that works in cleaner markets often stalls here.
The 12920 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
Nearby ZIPs in Chateaugay have seen price recovery that 12920 has not matched. Franklin County data supports the view that the spread is structural rather than temporary.
Stepping back, 2,509 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.
Distressed ZIPs reward experience. robust returns are possible in 12920, but they flow to investors who already understand how to operate in soft markets.
Here's what matters if you're considering buying a home in Chateaugay:
Property Strategy for 12920
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $166,709 | $1,210 | 5.2% | +7.4% | $83,355 |
| 3BR | $168,870 | $1,500 | 6.4% | +4.5% | $56,290 |
| 4BR | $159,042 | $1,720 | 7.8% | +6.3% | $39,760 |
Market Trends
Home Value History (with trend line)
📊 How Does 12920 Compare?
| Metric | 12920 | Chateaugay | Malone, NY | New York |
|---|---|---|---|---|
| Home Value | $170,412 | $170,412 | N/A | $505,608 |
| 5-Year CAGR | 4.1% | 4.1% | N/A | 6.6% |
| Avg Rent | $1,089 | $1,089 | N/A | - |
| Cap Rate | 5.0% | 5.0% | - | - |
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 12920 (Chateaugay, NY). Anonymous, moderated, never written by AI.
Do you own or manage rentals in ZIP 12920 (Chateaugay, NY)?
~25 seconds · no account needed · your report is anonymous
📊 Market Snapshot
| Home Value | $170,412 |
| Monthly Rent | $1,089 |
| Price-to-Rent | 13.0:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 7.7% |
| Cap Rate | 5.0% |
| 5-Year IRR | 9.1% |
📈 Home Appreciation
| 1-Year | +9.9% ▲ |
| 3-Year CAGR | +2.7% ▲ |
| 5-Year CAGR | +4.1% ▲ |
| 10-Year CAGR | +6.4% ▲ |
🏠 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 (5.0%). 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 12920
Population: 2,509
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 12920
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
Should investors consider Chateaugay, NY?
Yes - Chateaugay, NY a 3.0/5 investability score. With $170K home prices against $1,089/mo monthly rent, the market delivers a reasonable entry point for new investors.
How do experienced investors play Chateaugay, NY?
For Chateaugay, NY, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.
What monthly rent should investors expect in Chateaugay, NY?
Chateaugay, NY rentals go for roughly $1,089/mo a month. That puts gross yield in solid territory relative to $170K acquisition costs.
How quickly do rentals get leased in Chateaugay, NY?
Vacancy in Chateaugay, NY is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,089/mo.
Are tenants stable in Chateaugay, NY?
The tenant pool in Chateaugay, NY is solid, supported by local employment and population fundamentals. Rents of $1,089/mo are well-absorbed by the market.
You know 12920 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 12920 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.
How 12920 ranks in Malone, NY
Every ZIP in this metro, ranked. Free.
AI Market Advisor
Ask questions about investing in 12920 (Chateaugay)
Community Ratings
What people who’ve spent time here actually say. Not paid reviews.
Be the first to rate 12920 (Chateaugay, NY).
It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.