Best ZIP Codes for Cash Flow in Utica-Rome, NY (2026)
Ranked by cap rate — the annual return on the purchase price before financing. ZIPs that also clear the 1% rule are marked.
| # | ZIP | City | Home value | Rent | Cap rate | 5-yr growth |
|---|---|---|---|---|---|---|
| 1 | 13502 | Utica, NY | $212,030 | $1,527 | 5.62% | 7.9% |
| 2 | 13440 | Rome, NY | $214,647 | $1,500 | 5.45% | 7.9% |
| 3 | 13413 | New Hartford, NY | $316,568 | $2,158 | 5.32% | 7.4% |
| 4 | 13471 | Taberg, NY | $190,961 | $1,224 | 5.00% | 5.8% |
| 5 | 13501 | Utica, NY | $213,454 | $1,349 | 4.93% | 8.2% |
| 6 | 13350 | Herkimer, NY | $166,889 | $1,026 | 4.80% | 8.4% |
| 7 | 13357 | Ilion, NY | $160,256 | $981 | 4.77% | 7.3% |
| 8 | 13417 | New York Mills, NY | $234,791 | $1,400 | 4.65% | 6.8% |
| 9 | 13321 | Clark Mills, NY | $207,123 | $1,197 | 4.51% | 5.6% |
| 10 | 13338 | Forestport, NY | $226,827 | $1,305 | 4.49% | 7.0% |
| 11 | 13365 | Little Falls, NY | $172,907 | $945 | 4.26% | 6.7% |
| 12 | 13435 | Prospect, NY | $178,118 | $972 | 4.26% | 5.8% |
| 13 | 13313 | Bridgewater, NY | $173,349 | $945 | 4.25% | 4.7% |
| 14 | 13363 | Lee Center, NY | $262,387 | $1,422 | 4.23% | 3.6% |
| 15 | 13308 | Blossvale, NY | $231,063 | $1,233 | 4.16% | 6.6% |
| 16 | 13407 | Mohawk, NY | $178,510 | $945 | 4.13% | 7.5% |
| 17 | 13495 | Yorkville, NY | $206,911 | $1,089 | 4.11% | 6.9% |
| 18 | 13316 | Camden, NY | $203,671 | $1,071 | 4.10% | 6.4% |
| 19 | 13042 | Cleveland, NY | $255,566 | $1,341 | 4.09% | 6.5% |
| 20 | 13157 | Sylvan Beach, NY | $216,811 | $1,125 | 4.05% | 6.1% |
| 21 | 13324 | Cold Brook, NY | $182,597 | $945 | 4.04% | 4.8% |
| 22 | 13406 | Middleville, NY | $183,437 | $945 | 4.02% | 7.6% |
| 23 | 13454 | Salisbury Center, NY | $185,210 | $945 | 3.98% | 6.5% |
| 24 | 13425 | Oriskany Falls, NY | $211,164 | $1,071 | 3.96% | 7.1% |
| 25 | 13322 | Clayville, NY | $243,462 | $1,206 | 3.86% | 6.8% |
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
Appreciation in Utica-Rome, NY · Affordable in Utica-Rome, NY
Or see the full Utica-Rome, NY metro profile.