New York
Franklin County
ZIP 12989
47,066 residents132 permits TTM$63,747 median HHI22 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$128,600
ACS 5-Year
Cap rate proxy
7.6%
FMR × 0.65 ÷ Home Value
Rent-to-income
15.4%
HUD FMR ÷ ACS HHI
Net migration
+0.67%
IRS SOI
Permits (TTM)
132
Census BPS
Climate risk
48.9
FEMA NRI (0–100)
ZIP 12989
Median home value
—
Gross yield
—
Cap rate
7.6%
Rent gap
—
Affordability
P/I: 3.7R/I: —
Section 8 detail
SAFMR: —Rent: —Gap: —
ZIP code breakdown22 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate | Rent gap |
|---|---|---|---|---|---|
| 12980 | — | — | — | 10.9% | — |
| 12937 | — | — | — | 9.1% | — |
| 12957 | — | — | — | 8.8% | — |
| 12930 | — | — | — | 7.6% | — |
| 12914 | — | — | — | 7.6% | — |
Ranked by composite score
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Demographics
Owner-occupied
71.2%
Census ACS
Vacancy rate
24.4%
Census ACS
Bachelor's degree +
23.8%
Census ACS
Rent burdened
36.9%
Census ACS (>30% income)
Median age
41.8
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026