Real Estate Investing in Hartwick, New York

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

1 ZIP codes • Population: 1,529 • Otsego County

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

🏠 For Homebuyers
MIXED
Grade C (60/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (47/100)

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

⚠️ Risks to Know
3 flags
  • High vacancy: 21.8% of homes vacant — above national norms.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
  • Higher unemployment: 10.6% unemployment — tenant risk signal.

What’s happening in Hartwick, NY?

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3.0/ 5

Investability

Citywide average

3.0/ 5

Appreciation

4.9% 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 $249,301
Avg Monthly Rent $1,026
ZIP Codes 1

Investing in Hartwick Real Estate

With a sizable population across 1 ZIPs, Hartwick shows the kind of underwhelming fundamentals that keep most out-of-state capital on the sidelines.

A 3.0 rating and a 5-year CAGR of 0.0% are the kinds of numbers that warrant real local underwriting, not spreadsheet tourism. Hartwick is in that category.

The $1,026/mo / $249K relationship in Hartwick looks subdued once vacancy and capex are incorporated into underwriting. looks to the realized yield tends to disappoint.

A an established population with $N/AK household income profile is what makes Hartwick a challenging rental market — the tenant base is present, but the affordability math is tight.

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 Oneonta, NY

Hartwick 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
$249,301
Avg Monthly Rent
$1,026
1% Rule
✗ Below
Landlord Friendly (NY)

📉 Market Crash Risk Index

Based on Oneonta, NY metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
0%
Days Pending
0/2
0 days

View all metro crash risk rankings →

☀️ Warm Market — Oneonta, NY metro
0
Days to pending
5.5%
Listings with price cuts
0.0%
Sale-to-list ratio
📅 Data as of August 29, 2026 — updated weekly

ZIP Codes in Hartwick, NY

Screen every ZIP in Hartwick

Filter Hartwick’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 Hartwick, NY

Does Hartwick, NY favor landlords or tenants?

Hartwick, NY falls under NY landlord-tenant law, which is tenant-protective. That backdrop makes day-to-day property management reasonable.

Are renters plentiful in Hartwick, NY?

Expect a solid tenant pool in Hartwick, NY. The rental market absorbs $1,026/mo rents without meaningful friction.

What is the typical home price in Hartwick, NY?

The median home value in Hartwick, NY is roughly $249K. That puts it reasonable relative to the NY statewide average.

Can I live-in-and-rent in Hartwick, NY?

Hartwick, NY offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $1,026/mo rent level.

What is the investability score for Hartwick, NY?

The 3.0/5 investability rating in Hartwick, NY reflects its $249K prices and $1,026/mo rents. Investors generally consider it a solid option within NY.

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