Real Estate Investing in Camden, New York (13316)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 13316 (Camden, NY)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 13.6% 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 Camden, NY (13316)?
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Market Analysis: 13316 Camden
ZIP 13316 in Camden, NY carries a durable set of headwinds. Home values near $204K and rents of $1,071/mo sit inside a market where underwriting has to be tight.
Rent of $1,071/mo on a $204K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 13316 sits below the stated 0.0% once reality is priced in.
On the rental side, 13316 offers a low basis, the region around Camden has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
Employment concentration in 13316 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
Strategy in 13316 is an operator game, not a passive one. Looking more closely, entry prices of $204K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Camden:
Property Strategy for 13316
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $175,342 | $1,190 | 4.9% | +8.5% | $87,671 |
| 3BR | $203,784 | $1,460 | 5.2% | +7.6% | $67,928 |
| 4BR | $221,830 | $1,640 | 5.3% | +8.5% | $55,458 |
| 5BR | $212,094 | — | — | +8.1% | $42,419 |
Market Trends
Home Value History (with trend line)
📊 How Does 13316 Compare?
| Metric | 13316 | Camden | Utica-Rome, NY | New York |
|---|---|---|---|---|
| Home Value | $203,671 | $203,671 | N/A | $505,608 |
| 5-Year CAGR | 6.4% | 6.4% | N/A | 6.6% |
| Avg Rent | $1,071 | $1,071 | N/A | - |
| Cap Rate | 4.1% | 4.1% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 13316 (Camden, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $203,671 |
| Monthly Rent | $1,071 |
| Price-to-Rent | 15.9:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.3% |
| Cap Rate | 4.1% |
| 5-Year IRR | 10.5% |
📈 Home Appreciation
| 1-Year | +8.4% ▲ |
| 3-Year CAGR | +8.3% ▲ |
| 5-Year CAGR | +6.4% ▲ |
| 10-Year CAGR | +7.2% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.1%). 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.
Demographics in 13316
Population: 5,924
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 13316
Schools in This ZIP Code
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
How quickly do rentals get leased in Camden, NY?
Rental vacancy in Camden, NY is elevated. Investors should budget normal turnover but not chronic empty units.
What do landlords charge for rent in Camden, NY?
Camden, NY rentals go for roughly $1,071/mo a month. That puts gross yield in solid territory relative to $204K acquisition costs.
How do experienced investors play Camden, NY?
A careful cash-flow rentals with hands-on management strategy Camden, NY best. The market produces measured results for that approach at the $204K price point.
Where do home prices stand in Camden, NY?
Median home price in Camden, NY is near $204K, with a 5-year CAGR of 0.0%. Prices have been steady and supportive of buy-and-hold strategies.
How strong is Camden, NY for real estate investors?
The 3.0/5 investability rating in Camden, NY reflects its $204K prices and $1,071/mo rents. Investors generally consider it a solid option within NY.
You know 13316 now. You don’t know where it ranks.
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How 13316 ranks in Utica-Rome, NY
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