Real Estate Investing in Charlotteville, New York

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1 ZIP codes • Population: 335 • Schoharie County

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Should you buy in Charlotteville, NY? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (61/100)

Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.

📈 For Investors
MIXED
3.0 / 5 (52/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
4 flags
  • High vacancy: 61.8% of homes vacant — above national norms.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
  • Higher unemployment: 8.9% unemployment — tenant risk signal.
  • Lower household income: $39,500 median — tenant affordability is tighter.

What’s happening in Charlotteville, NY?

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3.0/ 5

Investability

Citywide average

4.0/ 5

Appreciation

7.3% 5yr CAGR

1.0/ 5

Landlord Climate

Regulatory friendliness

🏦 30-yr Fixed Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS
Avg Investability
Avg Home Value $219,638
Avg Monthly Rent $1,206
ZIP Codes 1

Investing in Charlotteville Real Estate

Charlotteville, NY covers 1 ZIP codes and a population but the investment metrics here are lackluster — this is not a market to enter casually.

Investors considering Charlotteville, NY should understand what the ★★★☆☆ rating represents — a market with material structural headwinds, not a temporary rough patch.

The $1,206/mo / $220K relationship in Charlotteville looks muted once vacancy and capex are incorporated into underwriting. looks to the realized yield tends to disappoint.

Demographics in Charlotteville show real pressure — median income of $N/AK is underwhelming relative to rents, and the 0% renter share includes significant cost-burdened households.

A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Best ZIP codes in Albany-Schenectady-Troy, NY

Charlotteville is part of this metro. Every ZIP in it, ranked. Free.

Cash Flow → Appreciation → Affordable →

Landlord Ground Truth

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Avg Home Value
$219,638
Avg Monthly Rent
$1,206
1% Rule
✗ Below
Landlord Friendly (NY)

ZIP Codes in Charlotteville, NY

Screen every ZIP in Charlotteville

Filter Charlotteville’s ZIPs by cap rate, vacancy, appreciation and 30+ more criteria, and export your shortlist to CSV — with the Investor plan ($19/mo).

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Frequently Asked Questions About Charlotteville, NY

What are home prices like in Charlotteville, NY?

In Charlotteville, NY the median home value sits at $220K. Against the broader NY market, that reads as reasonable for most investors.

What is the renter demographic in Charlotteville, NY?

The renter base in Charlotteville, NY is reasonable for the $1,206/mo price point. Screening well and pricing to market typically yields steady tenants.

Which real estate strategy fits Charlotteville, NY?

Charlotteville, NY investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($220K prices, $1,206/mo rents) make it a reasonable choice.

Is Charlotteville, NY a good market for FHA house hackers?

House hacking in Charlotteville, NY is a challenging. With home values around $220K and rents at $1,206/mo, owner-occupants can offset a meaningful share of PITI.

How tight is the rental market in Charlotteville, NY?

Vacancy in Charlotteville, NY is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,206/mo.

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