Real Estate Investing in Lyon Mountain, New York (12952)

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

Clinton County • Population: 226 • Data updated: September 2026

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Should you buy in 12952 (Lyon Mountain, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (79/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 For Investors
STRONG
5.0 / 5 (100/100)

A balanced market — moderate cash flow and moderate appreciation. A "steady" investor profile fits best.

⚠️ Risks to Know
3 flags
  • High vacancy: 65.2% of homes vacant — above national norms.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
  • Higher unemployment: 7.0% unemployment — tenant risk signal.

• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Lyon Mountain, NY (12952)?

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5.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

5.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $70,363
Avg Monthly Rent $1,026
1% Rule ✓ Meets
Median Income $40,750
% Renters 29.8%

Market Analysis: 12952 Lyon Mountain

ZIP 12952 offers what many appreciation markets cannot: an affordable basis at $70K and rent support of $1,026/mo for rehab-driven equity creation in Clinton County.

ZIP 12952 favors investors with a contractor on speed dial. On balance, the turnkey yield looks ordinary, a renovated unit pulls stronger rent than the unrenovated $1,026/mo average.

Relative to NY, 12952 reads as a working-capital ZIP — prices below average, renter share elevated at 30%, and room for operator-led upside.

The 12952 ZIP's demographic trend has been one of stability with upside — population of 226, steady renter share, and an incoming cohort that is willing to pay for improved units.

Value-add plays pencil in 12952 when three things line up: a sub-median purchase, a realistic rehab budget, and a post-rehab rent comp that stands up. All three are present in this ZIP.

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 Lyon Mountain:

B Good
Buy Confidence Score: 75/100
Affordability
25/25
Appreciation
22/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Affordable
Homes cost 1.7× the median income
Value Trend
Rising (+15.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,026/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Plattsburgh, NY Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
9.6%
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 Plattsburgh, NY metro data

Market Trends

Home Value History (with trend line)

$74K$64K$54K$45K$35K$25KJul 2006Jul 2016Jul 2026

📊 How Does 12952 Compare?

Metric 12952 Lyon Mountain Plattsburgh, NY New York
Home Value $70,363 $70,363 N/A $505,608
5-Year CAGR 6.7% 6.7% N/A 6.6%
Avg Rent $1,026 $1,026 N/A -
Cap Rate 11.4% 11.4% - -
💡 Why Invest in 12952? Click to expand

This ZIP code meets the 1% rule with rent at $1,026/mo on homes averaging $70,363 — a strong indicator of cash flow potential.

Our analysis gives this area a 5/5 investability rating, placing it in the top tier for rental property potential.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 12952 (Lyon Mountain, NY). Anonymous, moderated, never written by AI.

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Investability
Excellent
Cap Rate
11.4%
Excellent
5yr Growth
+6.7%
Strong

📉 Market Crash Risk Index

Based on Plattsburgh, NY metro

2/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
72%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $70,363
Monthly Rent $1,026
Price-to-Rent 5.7:1
1% Rule ✓ Passes

💰 Return Metrics

Gross Yield 17.5%
Cap Rate 11.4%
5-Year IRR 18.1%

📈 Home Appreciation

1-Year +15.0% ▲
3-Year CAGR +8.6% ▲
5-Year CAGR +6.7% ▲
10-Year CAGR +9.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Positive Leverage Market Cap Rate: 11.4%  |  30yr Rate: 6.8%
Leverage may enhance returns here.

The estimated cap rate (11.4%) exceeds the current 30-yr mortgage rate (6.8%). When borrowing costs less than a property yields, leverage can increase your cash-on-cash return above the cap rate.

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
65.2%
Elevated risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+6.7%
Growing
Eviction process: Slow Rent control: Unfavorable

Demographics in 12952

Population: 226

💰 Median Household Income
$40,750
This area
$40,750
State
$86,376
USA
$74,580
🏠 Renter Occupied
29.8%
This area
29.8%
State
26.4%
USA
34.0%
💼 Unemployment Rate
7.0%
This area
7.0%
State
-24.2%
USA
3.7%
🎓 College Educated
10.5%
This area
10.5%
State
4.2%
USA
33.7%
👤 Median Age
31.6 years
This area
31.6 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
65.2%
This area
65.2%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 73.2%
Other/Mixed 25.7%
Hispanic/Latino 5.7%
Black/African American 1.1%
👶 Under 18
35.5%
This area
35.5%
USA
22.0%
👴 65 and Over
15.5%
This area
15.5%
USA
17.3%
📊 Poverty Rate
0.0%
This area
0.0%
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

Frequently Asked Questions

Is Lyon Mountain in NY worth investing in?

Our data puts Lyon Mountain, NY at 5.0/5 for investability. Home prices of $70K and rents around $1,026/mo create a solid backdrop for investor activity.

Where do rents currently stand in Lyon Mountain, NY?

Investors in Lyon Mountain, NY typically see rents near $1,026/mo per month against $70K home values - a solid setup for rental cash flow.

Which investment style suits Lyon Mountain, NY?

A value-add and BRRRR deals strategy Lyon Mountain, NY best. The market produces steady results for that approach at the $70K price point.

How much does a house cost in Lyon Mountain, NY?

Homes in Lyon Mountain, NY typically sell near $70K. Prices have moved at a 0.0% 5-year CAGR, which stable long-term demand.

Do properties in Lyon Mountain, NY satisfy the 1% rule?

The 1% rule is solid territory for Lyon Mountain, NY. Rent-to-price at the median is 1.46%, putting many properties within striking distance.

You know 12952 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 12952 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.

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How 12952 ranks in Plattsburgh, NY

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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