Real Estate Investing in Vermontville, New York (12989)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 12989 (Vermontville, NY)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 48.9% 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 Vermontville, NY (12989)?
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Market Analysis: 12989 Vermontville
Investors eyeing 12989 need to respect the fundamentals at play. Home values of $259K come alongside slower price movement and elevated management overhead.
The investment case in 12989 is healthy only for operators who understand what they are buying. A $259K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
In the broader NY picture, 12989 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.
Who lives in 12989 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
New investors are better served looking at Vermontville's stable or hybrid ZIPs before stepping into 12989. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Vermontville:
Property Strategy for 12989
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $222,998 | $1,140 | 3.7% | +7.5% | $111,499 |
| 3BR | $288,168 | $1,400 | 3.5% | +5.6% | $96,056 |
Market Trends
Home Value History (with trend line)
📊 How Does 12989 Compare?
| Metric | 12989 | Vermontville | Malone, NY | New York |
|---|---|---|---|---|
| Home Value | $259,067 | $259,067 | N/A | $505,608 |
| 5-Year CAGR | 4.7% | 4.7% | N/A | 6.6% |
| Avg Rent | $1,026 | $1,026 | N/A | - |
| Cap Rate | 3.1% | 3.1% | - | - |
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 12989 (Vermontville, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $259,067 |
| Monthly Rent | $1,026 |
| Price-to-Rent | 21.0:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.8% |
| Cap Rate | 3.1% |
| 5-Year IRR | 7.8% |
📈 Home Appreciation
| 1-Year | +8.8% ▲ |
| 3-Year CAGR | +1.4% ▲ |
| 5-Year CAGR | +4.7% ▲ |
| 10-Year CAGR | +5.7% ▲ |
🏠 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 (3.1%). 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 12989
Population: 1,012
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
Frequently Asked Questions
What is the investability score for Vermontville, NY?
Vermontville, NY comes in at an investability rating of 3.0/5, with median home values near $259K and average rents around $1,026/mo. That combination puts it in the robust tier for investor interest.
What are rental rates like in Vermontville, NY?
Average rent in Vermontville, NY is approximately $1,026/mo per month. Against $259K home values that yields a reasonable rent-to-price ratio.
Are landlord laws favorable in Vermontville, NY?
Vermontville, NY operates under NY law, which is tenant-protective overall for landlords. Expect consistent treatment in typical lease and eviction cases.
Can owner-occupants cash flow in Vermontville, NY?
Vermontville, NY is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $259K price point reasonable to enter.
What are vacancy rates like in Vermontville, NY?
Vermontville, NY sees elevated vacancy, which is reasonable relative to the broader NY rental market.
You know 12989 now. You don’t know where it ranks.
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How 12989 ranks in Malone, NY
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Community Ratings
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