Real Estate Investing in Maryland, New York

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

1 ZIP codes • Population: 1,533 • Otsego County

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

🏠 For Homebuyers
GOOD FIT
Grade B (72/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 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
2 flags
  • High vacancy: 38.7% of homes vacant — above national norms.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.

What’s happening in Maryland, NY?

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3.0/ 5

Investability

Citywide average

3.0/ 5

Appreciation

6.0% 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 $215,740
Avg Monthly Rent $1,170
ZIP Codes 1

Investing in Maryland Real Estate

Maryland (New York) spans 1 ZIPs and roughly a sizable population. unambiguously the fundamentals here skew distressed, with soft rents, soft appreciation, and structural headwinds worth respecting.

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. Maryland is in that category.

Transaction volume in Maryland has thinned in a way that amplifies price discovery risk. Looking more closely, investors without local context should treat every number on the page with skepticism.

The 0% renter share in Maryland masks uneven tenant quality across ZIPs, and $N/AK median income leaves little cushion against economic shocks.

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

Maryland 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
$215,740
Avg Monthly Rent
$1,170
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 Maryland, NY

Screen every ZIP in Maryland

Filter Maryland’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 Maryland, NY

What kind of tenants rent in Maryland, NY?

The renter base in Maryland, NY is reasonable for the $1,170/mo price point. Screening well and pricing to market typically yields measured tenants.

What is the best play in Maryland, NY?

The best-fit strategy in Maryland, NY is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.

What are home prices like in Maryland, NY?

In Maryland, NY the median home value sits at $216K. Against the broader NY market, that reads as reasonable for most investors.

Can owner-occupants cash flow in Maryland, NY?

House hacking in Maryland, NY is a challenging. With home values around $216K and rents at $1,170/mo, owner-occupants can offset a meaningful share of PITI.

What is the rental occupancy rate in Maryland, NY?

Rental vacancy in Maryland, NY is elevated. Investors should budget normal turnover but not chronic empty units.

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