Most Affordable ZIP Codes in Utica-Rome, NY (2026)
The lowest entry prices that still hold a decent investability rating — cheap is only useful if the market underneath it is sound.
| # | ZIP | City | Home value | Rent | Cap rate | 5-yr growth |
|---|---|---|---|---|---|---|
| 1 | 13357 | Ilion, NY | $160,256 | $981 | 4.77% | 7.3% |
| 2 | 13350 | Herkimer, NY | $166,889 | $1,026 | 4.80% | 8.4% |
| 3 | 13365 | Little Falls, NY | $172,907 | $945 | 4.26% | 6.7% |
| 4 | 13313 | Bridgewater, NY | $173,349 | $945 | 4.25% | 4.7% |
| 5 | 13435 | Prospect, NY | $178,118 | $972 | 4.26% | 5.8% |
| 6 | 13407 | Mohawk, NY | $178,510 | $945 | 4.13% | 7.5% |
| 7 | 13324 | Cold Brook, NY | $182,597 | $945 | 4.04% | 4.8% |
| 8 | 13406 | Middleville, NY | $183,437 | $945 | 4.02% | 7.6% |
| 9 | 13454 | Salisbury Center, NY | $185,210 | $945 | 3.98% | 6.5% |
| 10 | 13471 | Taberg, NY | $190,961 | $1,224 | 5.00% | 5.8% |
| 11 | 13319 | Chadwicks, NY | $200,803 | $945 | 3.67% | 7.9% |
| 12 | 13316 | Camden, NY | $203,671 | $1,071 | 4.10% | 6.4% |
| 13 | 13495 | Yorkville, NY | $206,911 | $1,089 | 4.11% | 6.9% |
| 14 | 13321 | Clark Mills, NY | $207,123 | $1,197 | 4.51% | 5.6% |
| 15 | 13367 | Lowville, NY | $208,620 | $945 | 3.53% | 5.7% |
| 16 | 13425 | Oriskany Falls, NY | $211,164 | $1,071 | 3.96% | 7.1% |
| 17 | 13502 | Utica, NY | $212,030 | $1,527 | 5.62% | 7.9% |
| 18 | 13501 | Utica, NY | $213,454 | $1,349 | 4.93% | 8.2% |
| 19 | 13309 | Boonville, NY | $214,577 | $945 | 3.44% | 6.9% |
| 20 | 13440 | Rome, NY | $214,647 | $1,500 | 5.45% | 7.9% |
| 21 | 13157 | Sylvan Beach, NY | $216,811 | $1,125 | 4.05% | 6.1% |
| 22 | 13491 | West Winfield, NY | $217,142 | $1,071 | 3.85% | 7.6% |
| 23 | 13162 | Verona Beach, NY | $220,852 | $1,062 | 3.75% | 9.7% |
| 24 | 13340 | Frankfort, NY | $224,596 | $990 | 3.44% | 8.1% |
| 25 | 13439 | Richfield Springs, NY | $225,209 | $963 | 3.34% | 5.4% |
Ranked from Repit’s own ZIP-level data — Zillow home values and rents, HUD fair-market rents where Zillow has no coverage, and U.S. Census vacancy. Cap rate is gross: annual rent over purchase price, before financing and expenses. Every ZIP above links to its full free page. How we calculate this →
Same metro, different strategy
Cash Flow in Utica-Rome, NY · Appreciation in Utica-Rome, NY
Or see the full Utica-Rome, NY metro profile.