Real Estate Investing in Sandy Creek, New York (13145)

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

Oswego County • Population: 1,794 • Data updated: September 2026

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Should you buy in 13145 (Sandy Creek, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (69/100)

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

📈 For Investors
MIXED
3.0 / 5 (52/100)

Rare combination of both appreciation and cash flow. These markets don't last long — worth serious consideration.

⚠️ Risks to Know
2 flags
  • High vacancy: 32.4% of homes vacant — above national norms.
  • 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 Sandy Creek, NY (13145)?

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3.0/ 5

Investability

Overall investment appeal

4.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $197,517
Avg Monthly Rent $1,071
1% Rule ✗ Does Not Meet
Median Income $44,554
% Renters 32.5%

Market Analysis: 13145 Sandy Creek

Not every below-median market is a bargain. Sandy Creek's 13145 ZIP comes in at signals that favor experienced operators who can absorb the risk $198K pricing implies.

Turning to rents, the numbers look inviting — $198K purchase price, 0.0% nominal cap — the work to hit that pro forma in 13145 is substantial and deserves full respect.

Regionally, 13145 sits on the difficult end of the NY spectrum. The a strong candidate for read — for disciplined operators — is that pricing reflects the difficulty.

Resident income in 13145 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

Strategically, 13145 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.

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 Sandy Creek:

B Good
Buy Confidence Score: 70/100
Affordability
15/25
Appreciation
25/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.4× the median income
Value Trend
Rising (+15.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,071/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 13145

Which property type performs best in this market?

Best for Cash Flow
4BR
6.2% cap rate
Best for Appreciation
2BR
+8.4% 5yr CAGR
Best Overall Value
4BR
$55,316/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $182,631 $1,190 4.7% +8.4% $91,316
3BR $211,281 $1,570 5.4% +7.8% $70,427
4BR $221,263 $1,920 6.2% +6.9% $55,316

Market Trends

Home Value History (with trend line)

$207K$179K$150K$122K$93K$64KJul 2006Jul 2016Jul 2026

📊 How Does 13145 Compare?

Metric 13145 Sandy Creek Syracuse, NY New York
Home Value $197,517 $197,517 N/A $505,608
5-Year CAGR 8.3% 8.3% N/A 6.6%
Avg Rent $1,071 $1,071 N/A -
Cap Rate 4.2% 4.2% - -
💡 Why Invest in 13145? 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 13145 (Sandy Creek, NY). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.2%
Fair
5yr Growth
+8.3%
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 $197,517
Monthly Rent $1,071
Price-to-Rent 15.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.5%
Cap Rate 4.2%
5-Year IRR 12.6%

📈 Home Appreciation

1-Year +15.7% ▲
3-Year CAGR +9.8% ▲
5-Year CAGR +8.3% ▲
10-Year CAGR +7.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.2%). 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
32.4%
Elevated risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+8.3%
Growing
Eviction process: Slow Rent control: Unfavorable

Demographics in 13145

Population: 1,794

💰 Median Household Income
$44,554
This area
$44,554
State
$86,376
USA
$74,580
🏠 Renter Occupied
32.5%
This area
32.5%
State
26.4%
USA
34.0%
💼 Unemployment Rate
6.9%
This area
6.9%
State
-24.2%
USA
3.7%
🎓 College Educated
21.1%
This area
21.1%
State
4.2%
USA
33.7%
👤 Median Age
44.0 years
This area
44.0 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
32.4%
This area
32.4%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 97.8%
Other/Mixed 2.2%
Hispanic/Latino 0.8%
👶 Under 18
21.8%
This area
21.8%
USA
22.0%
👴 65 and Over
23.4%
This area
23.4%
USA
17.3%
📊 Poverty Rate
14.3%
This area
14.3%
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 13145

A+ Avg School Grade
3 Schools
11.4:1 Avg Class Size
$39,033 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

SANDY CREEK HIGH SCHOOL

📚 09 – 12 High School
👥
233 Students
👨‍🏫
12.0:1 Class Size
💰
$39,033 Per Student
A+ Excellent

SANDY CREEK ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
👥
381 Students
👨‍🏫
14.0:1 Class Size
💰
$39,033 Per Student
A+ Excellent

SANDY CREEK MIDDLE SCHOOL

📚 06 – 08 Middle
👥
172 Students
👨‍🏫
8.2:1 Class Size
💰
$39,033 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.

Frequently Asked Questions

What is the typical rental rate in Sandy Creek, NY?

Average rent in Sandy Creek, NY is approximately $1,071/mo per month. Against $198K home values that yields a reasonable rent-to-price ratio.

How qualified is the tenant pool in Sandy Creek, NY?

Tenant demand in Sandy Creek, NY is solid. The local workforce $1,071/mo rents across most rental classes.

What is the median home value in Sandy Creek, NY?

Homes in Sandy Creek, NY typically sell near $198K. Prices have moved at a 0.0% 5-year CAGR, which measured long-term demand.

What approach is best for Sandy Creek, NY real estate?

Investors usually favor careful cash-flow rentals with hands-on management in Sandy Creek, NY. With home values at $198K and rents near $1,071/mo, other strategies can work but produce steady rather than outsized returns.

How do landlord-tenant laws work in Sandy Creek, NY?

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

You know 13145 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 13145 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 13145 ranks in Syracuse, NY

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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