Real Estate Investing in Moira, New York (12957)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 12957 (Moira, 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.
- Elevated vacancy: 9.7% vacancy may signal weakening demand.
- 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 Moira, NY (12957)?
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Market Analysis: 12957 Moira
ZIP 12957 inside Franklin County looks affordable on the surface — median value of $124K — but the discount exists for reasons that a careful buyer should understand before committing.
Distressed markets are won on execution, not on spreadsheets. ZIP 12957 reflects the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
Statewide comparisons place 12957 among NY's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.
Who lives in 12957 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
Distressed ZIPs reward experience. healthy returns are possible in 12957, 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 Moira:
Market Trends
Home Value History (with trend line)
📊 How Does 12957 Compare?
| Metric | 12957 | Moira | Malone, NY | New York |
|---|---|---|---|---|
| Home Value | $124,014 | $124,014 | N/A | $505,608 |
| 5-Year CAGR | 2.5% | 2.5% | N/A | 6.6% |
| Avg Rent | $873 | $873 | N/A | - |
| Cap Rate | 5.5% | 5.5% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 12957 (Moira, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $124,014 |
| Monthly Rent | $873 |
| Price-to-Rent | 11.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 8.5% |
| Cap Rate | 5.5% |
| 5-Year IRR | 8.0% |
📈 Home Appreciation
| 1-Year | +8.7% ▲ |
| 3-Year CAGR | +0.7% ▲ |
| 5-Year CAGR | +2.5% ▲ |
| 10-Year CAGR | +5.2% ▲ |
🏠 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 (5.5%). 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 12957
Population: 1,721
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
What is the rental occupancy rate in Moira, NY?
Occupancy in Moira, NY runs steady with elevated vacancy. Well-priced units at $873/mo lease on reasonable timelines.
What is the tenant pool like in Moira, NY?
Expect a solid tenant pool in Moira, NY. The rental market absorbs $873/mo rents without meaningful friction.
What type of investing works in Moira, NY?
A careful cash-flow rentals with hands-on management strategy Moira, NY best. The market produces even-keeled results for that approach at the $124K price point.
Is Moira, NY a good market for FHA house hackers?
Moira, NY is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $124K price point reasonable to enter.
What is the typical home price in Moira, NY?
In Moira, NY the median home value sits at $124K. Against the broader NY market, that reads as reasonable for most investors.
You know 12957 now. You don’t know where it ranks.
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How 12957 ranks in Malone, NY
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