Location: Columbia County, NY | Metro: Columbia County, NY
| Unit Size | Monthly FMR |
|---|---|
| Studio | $1,370 |
| 1 Bedroom | $1,420 |
| 2 Bedrooms | $1,640 |
| 3 Bedrooms | $2,000 |
| 4 Bedrooms | $2,150 |
| 5 Bedrooms | $2,494 |
| 6 Bedrooms | $2,793 |
| 7 Bedrooms | $3,016 |
| 8 Bedrooms | $3,167 |
U.S. Census Bureau data (2024)
The classification of ZIP code 12195 hinges significantly on the available data points regarding yield and stability. The Fair Market Rent (FMR) for the metro area in fiscal year 2026 is set at $1,610. However, specific market rental prices and home values for ZIP 12195 are not provided, which means we cannot directly compare these figures to determine if it's a high-yield market.
On the stability axis, the data reveals that 18.4% of residents are renters, indicating a relatively low rental population. This could suggest that the area leans more towards owner-occupied housing, potentially reducing the immediate demand for rental properties. Additionally, the median household income in the area is listed at $148,815, which is notably higher than the national average, suggesting a stable economic base for potential tenants.
The lack of specific market rental rates and days on market (DOM) data for ZIP 12195 makes it challenging to definitively categorize it into a high-yield/low-stability flip-style market or a steady-cashflow zone. Given the high median income, there is an indication of financial stability among the residents, which supports the potential for steady cash flow if rental rates align closely with the FMR. However, without concrete market rental prices and home values, the yield potential remains ambiguous.
To make a more precise assessment, further analysis would be required, specifically focusing on current rental rates and the typical days on market for rental properties in ZIP 12195. These metrics would provide a clearer picture of whether the area offers high yields or if it is more suited for long-term, stable investments.
Data Sources: FMR data from HUD (2027). Demographics from U.S. Census (2024).
About FMR: Fair Market Rent (FMR) is used to determine payment standards for the Section 8 Housing Choice Voucher program, initial renewal rents for some expiring project-based Section 8 contracts, and rent ceilings for HOME Investment Partnerships.