Real Estate Investing in Mount Upton, New York

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

1 ZIP codes • Population: 1,688 • Otsego County

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Should you buy in Mount Upton, 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 (52/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
3 flags
  • High vacancy: 17.3% of homes vacant — above national norms.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
  • Higher unemployment: 9.3% unemployment — tenant risk signal.

What’s happening in Mount Upton, NY?

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3.0/ 5

Investability

Citywide average

2.0/ 5

Appreciation

4.0% 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 $159,549
Avg Monthly Rent $1,080
ZIP Codes 1

Investing in Mount Upton Real Estate

This is a distressed-leaning corner of New York: Mount Upton has 1 ZIPs and a sizable population, and the investment math only works for investors who truly understand the market.

plainly Mount Upton's aggregate rating of ★★★☆☆ reflects sluggish investor metrics across the board — weak rent growth, weak appreciation, and rising-vacancy pressure in multiple ZIPs.

The $1,080/mo / $160K relationship in Mount Upton looks modest once vacancy and capex are incorporated into underwriting. trends toward the realized yield tends to disappoint.

Mount Upton's population trends and income levels suggest a market where affordability is strained, which constrains how aggressively rents can rise without hurting collections.

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

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

Cash Flow → Appreciation → Affordable →

Landlord Ground Truth

Real numbers from people who own or manage rentals in Mount Upton, NY. Anonymous, moderated, never written by AI.

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Avg Home Value
$159,549
Avg Monthly Rent
$1,080
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 Mount Upton, NY

Screen every ZIP in Mount Upton

Filter Mount Upton’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 Mount Upton, NY

Is it easy to find good tenants in Mount Upton, NY?

Mount Upton, NY offers a stable renter base at the $1,080/mo rent level. Tenant turnover is reasonable for well-managed properties.

How strict are landlord regulations in Mount Upton, NY?

For rental operators, Mount Upton, NY rates as tenant-protective. The regulatory environment standard buy-and-hold operations.

What is the typical home price in Mount Upton, NY?

Median home price in Mount Upton, NY is near $160K, with a 5-year CAGR of 0.0%. Prices have been reliable and supportive of buy-and-hold strategies.

Where do rents currently stand in Mount Upton, NY?

Rent in Mount Upton, NY is around $1,080/mo. The resulting rent-to-value relationship with $160K pricing is reasonable for most investor models.

What kind of market is Mount Upton, NY for investors?

Mount Upton, NY scores 3.0/5 for investability. Home values sit at $160K and rents near $1,080/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.

Community Ratings

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