Is Ulster County, NY good for real estate investing?

Ulster County has an investment score of 56/100, rated as "Hold". The county ranks #640 nationally among 1000 counties analyzed.

What is the rent-to-price ratio in Ulster?

The rent-to-price ratio in Ulster County is 5.93% annually, which ranks in the 48th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Ulster?

The median home price in Ulster County is $428,572. This ranks #842 in affordability among all US counties.

Can you cash flow on rental properties in Ulster?

Based on median values with 20% down at current rates, a typical rental in Ulster County would generate negative cash flow of $869/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Ulster County

New YorkPopulation: 182,153

/100

Hold

#640 of 1,000 counties

#50 in New York (62 counties)

Market Snapshot

$428,572

Median Home Price

57% above national median

$2,119/mo

Median Rent

42% above national median

5.93%

Rent-to-Price Ratio

Top 52% nationally

-$869

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$428,572

Down Payment (20%)$85,714

Loan Amount$342,858

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$2,119

Monthly P&I-$2,247

Est. Expenses (35%)-$742

Net Cash Flow-$869/mo

3.9%

Cap Rate (all cash)

-10.6%

Cash-on-Cash Return

5.93%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 3.9% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

56/100

Cash Flow(30%)

59/100

Based on 5.93% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

64/100

Based on 1.4% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

47/100

Price-to-income ratio of 5.6x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

+Complete rent data available

Challenges

-Negative cash flow at typical financing (-$869/mo)
-Negative leverage (cap rate 3.9% < mortgage rate 6.9%)

Economic Indicators

Population

182,153

Median Income

$77,197

vs $62,400 national est.

Unemployment Rate

—

Data pending

Price-to-Income

5.6x

Less affordable

Compare to Nearby Counties

County					Verdict
ColumbiaNY	57	$461,261	$2,136	5.56%	Hold	View
YatesNY	57	$302,683	Est. pending	—	Hold	View
HamiltonNY	57	$260,757	Est. pending	—	Hold	View
CurrentUlsterNY	56	$428,572	$2,119	5.93%	Hold
BronxNY	56	$486,304	$2,767	6.83%	Hold	View
NassauNY	56	$807,855	$3,521	5.23%	Hold	View

The Bottom Line

HoldUlster is a neutral market. Consider house hacking or targeting below-market deals.

Ulster County in New York scores 56/100, ranking #640 of 1,000 US counties (top 64%). The 5.93% rent-to-price ratio may require creative strategies or below-market purchases for positive cash flow. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow

$-869/mo

Cap Rate

3.9%

Cash-on-Cash

-10.6%

Ready to Analyze a Deal in Ulster?

Use our investment calculators to run detailed numbers on specific properties.

Single Family1-4 unit rentals, BRRRR House HackOwner-occupied strategy Multifamily5+ unit properties

Explore Other Markets

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$428,572

Down Payment (20%)$85,714

Loan Amount$342,858

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$2,119

Monthly P&I-$2,247

Est. Expenses (35%)-$742

Net Cash Flow-$869/mo

3.9%

Cap Rate (all cash)

-10.6%

Cash-on-Cash Return

5.93%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 3.9% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

56/100

Cash Flow(30%)

59/100

Based on 5.93% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

64/100

Based on 1.4% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

47/100

Price-to-income ratio of 5.6x. Lower ratios indicate more affordable markets.

County

Verdict

ColumbiaNY

$461,261

$2,136

5.56%

Hold

View

YatesNY

$302,683

Est. pending

—

Hold

View

HamiltonNY

$260,757

Est. pending

—

Hold

View

CurrentUlsterNY

$428,572

$2,119

5.93%

Hold

BronxNY

$486,304

$2,767

6.83%

Hold

View

NassauNY

$807,855

$3,521

5.23%

Hold

View

The Bottom Line

HoldUlster is a neutral market. Consider house hacking or targeting below-market deals.

Monthly Cash Flow

$-869/mo

Cap Rate

3.9%

Cash-on-Cash

-10.6%