Real Estate Investing in Central Square, New York (13036)

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

Oswego County • Population: 9,079 • Data updated: September 2026

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Should you buy in 13036 (Central Square, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (71/100)

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

📈 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
1 flag
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Central Square, NY (13036)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $268,764
Avg Monthly Rent $1,215
1% Rule ✗ Does Not Meet
Median Income $79,681
% Renters 21.7%

Market Analysis: 13036 Central Square

Not every below-median market is a bargain. Central Square's 13036 ZIP registers signals that favor experienced operators who can absorb the risk $269K pricing implies.

For an experienced owner, 13036 can be a a solid fit for hunting ground — but the discount at $269K reflects genuine risk that outside investors often underestimate.

In the broader NY picture, 13036 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

The 13036 ZIP's population of 9,079 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that posts the need for careful underwriting.

seems to the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Central Square:

B Good
Buy Confidence Score: 74/100
Affordability
20/25
Appreciation
22/25
Stability
9/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.4× the median income
Value Trend
Rising (+10.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,215/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
BALANCED MARKET
Syracuse, NY Metro Area
Even conditions for buyers and sellers
23 days
Average time to sell
Fast
7.7%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Syracuse, NY metro data
🏠

Property Strategy for 13036

Which property type performs best in this market?

Best for Cash Flow
2BR
4.8% cap rate
Best for Appreciation
2BR
+9.1% 5yr CAGR
Best Overall Value
4BR
$74,489/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $200,843 $1,350 4.8% +9.1% $100,422
3BR $244,542 $1,640 4.8% +7.8% $81,514
4BR $297,956 $1,790 4.3% +8.4% $74,489

Market Trends

Home Value History (with trend line)

$281K$245K$209K$173K$136K$100KJul 2006Jul 2016Jul 2026

📊 How Does 13036 Compare?

Metric 13036 Central Square Syracuse, NY New York
Home Value $268,764 $268,764 N/A $505,608
5-Year CAGR 7.0% 7.0% N/A 6.6%
Avg Rent $1,215 $1,215 N/A -
Cap Rate 3.5% 3.5% - -
💡 Why Invest in 13036? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 13036 (Central Square, NY). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.5%
Low
5yr Growth
+7.0%
Strong

📉 Market Crash Risk Index

Based on Syracuse, NY metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
29%
Days Pending
0/2
23 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $268,764
Monthly Rent $1,215
Price-to-Rent 18.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.4%
Cap Rate 3.5%
5-Year IRR 10.5%

📈 Home Appreciation

1-Year +10.9% ▲
3-Year CAGR +6.5% ▲
5-Year CAGR +7.0% ▲
10-Year CAGR +6.9% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.5%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.5%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
7.9%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+7.0%
Growing
Eviction process: Slow Rent control: Unfavorable

Demographics in 13036

Population: 9,079

💰 Median Household Income
$79,681
This area
$79,681
State
$86,376
USA
$74,580
🏠 Renter Occupied
21.7%
This area
21.7%
State
26.4%
USA
34.0%
💼 Unemployment Rate
4.8%
This area
4.8%
State
-24.2%
USA
3.7%
🎓 College Educated
21.5%
This area
21.5%
State
4.2%
USA
33.7%
👤 Median Age
41.5 years
This area
41.5 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
7.9%
This area
7.9%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 97.1%
Other/Mixed 2.7%
Hispanic/Latino 1.9%
Black/African American 0.1%
👶 Under 18
19.4%
This area
19.4%
USA
22.0%
👴 65 and Over
18.0%
This area
18.0%
USA
17.3%
📊 Poverty Rate
6.5%
This area
6.5%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 13036

A+ Avg School Grade
4 Schools
12.8:1 Avg Class Size
$25,971 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

CENTRAL SQUARE MIDDLE SCHOOL

📚 06 – 08 Middle
👥
827 Students
👨‍🏫
10.3:1 Class Size
💰
$25,971 Per Student
A+ Excellent

HASTINGS MALLORY ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
👥
383 Students
👨‍🏫
13.4:1 Class Size
💰
$25,971 Per Student
A+ Excellent

MILLARD HAWK ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
👥
466 Students
👨‍🏫
15.0:1 Class Size
💰
$25,971 Per Student
A Very Good

PAUL V MOORE HIGH SCHOOL

📚 09 – 12 High School
👥
1,083 Students
👨‍🏫
12.7:1 Class Size
💰
$25,971 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

3 Nearby 21 Off-Campus Students
C+
Center for Instruction, Technology & Innovation
21 students · 10.3 mi
D
Bryant & Stratton College-Syracuse North
471 students · 12.3 mi
D
National Tractor Trailer School Inc-Liverpool
282 students · 12.6 mi

Frequently Asked Questions

Should investors consider Central Square, NY?

Central Square, NY clocks in at an investability rating of 3.0/5, with median home values near $269K and average rents around $1,215/mo. That combination puts it in the substantial tier for investor interest.

What is the smart move for investors in Central Square, NY?

A careful cash-flow rentals with hands-on management strategy Central Square, NY best. The market produces even-keeled results for that approach at the $269K price point.

Do rentals sit vacant long in Central Square, NY?

Central Square, NY vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.

How do landlord-tenant laws work in Central Square, NY?

The landlord environment in Central Square, NY is tenant-protective. Statewide rules shape most day-to-day operations for rental owners.

What do rentals go for in Central Square, NY?

Rents in Central Square, NY run near $1,215/mo. Compared with median home prices of $269K that produces solid gross yields for typical rentals.

You know 13036 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 13036 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 13036 ranks in Syracuse, NY

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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