Real Estate Investing in Stillwater, New York

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

1 ZIP codes • Population: 5,225 • Saratoga County

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

🏠 For Homebuyers
MIXED
Grade C (66/100)

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
2 flags
  • Elevated vacancy: 10.9% vacancy may signal weakening demand.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.

What’s happening in Stillwater, 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 $412,178
Avg Monthly Rent $1,611
ZIP Codes 1

Investing in Stillwater Real Estate

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

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. Stillwater is in that category.

Rents in Stillwater at $1,611/mo have struggled to keep pace with cost increases, and vacancy has risen in pockets — a dynamic that compresses realized returns well below headline cap rates.

Demographics in Stillwater show real pressure — median income of $N/AK is sluggish 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

Stillwater 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
$412,178
Avg Monthly Rent
$1,611
1% Rule
✗ Below
Landlord Friendly (NY)

ZIP Codes in Stillwater, NY

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Filter Stillwater’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 Stillwater, NY

Is Stillwater in NY worth investing in?

The 3.0/5 investability rating in Stillwater, NY reflects its $412K prices and $1,611/mo rents. Investors generally consider it a solid option within NY.

What type of investing works in Stillwater, NY?

Stillwater, NY investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($412K prices, $1,611/mo rents) make it a reasonable choice.

What monthly rent should investors expect in Stillwater, NY?

Rent in Stillwater, NY is around $1,611/mo. The resulting rent-to-value relationship with $412K pricing is reasonable for most investor models.

How viable is house hacking in Stillwater, NY?

House hacking works a challenging in Stillwater, NY. Rents of $1,611/mo against $412K acquisition make the strategy solid for owner-occupants.

What is the typical vacancy rate in Stillwater, NY?

Stillwater, NY carries elevated vacancy risk. Expect predictable absorption at market rents of $1,611/mo.

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