Real Estate Investing in Chadwicks, New York (13319)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 13319 (Chadwicks, 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: 16.8% of homes vacant — above national norms.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Chadwicks, NY (13319)?
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Market Analysis: 13319 Chadwicks
ZIP 13319 inside Oneida County looks affordable on the surface — median value of $201K — but the discount exists for reasons that a careful buyer should understand before committing.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 13319 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
Regionally, 13319 sits on the difficult end of the NY spectrum. The a solid fit for read — for disciplined operators — is that pricing reflects the difficulty.
The 13319 ZIP's population of 434 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that registers the need for careful underwriting.
The right play in 13319 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.
Here's what matters if you're considering buying a home in Chadwicks:
Market Trends
Home Value History (with trend line)
📊 How Does 13319 Compare?
| Metric | 13319 | Chadwicks | Utica-Rome, NY | New York |
|---|---|---|---|---|
| Home Value | $200,803 | $200,803 | N/A | $505,608 |
| 5-Year CAGR | 7.9% | 7.9% | N/A | 6.6% |
| Avg Rent | $945 | $945 | N/A | - |
| Cap Rate | 3.7% | 3.7% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 13319 (Chadwicks, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $200,803 |
| Monthly Rent | $945 |
| Price-to-Rent | 17.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.7% |
| Cap Rate | 3.7% |
| 5-Year IRR | 11.5% |
📈 Home Appreciation
| 1-Year | +10.9% ▲ |
| 3-Year CAGR | +9.0% ▲ |
| 5-Year CAGR | +7.9% ▲ |
| 10-Year CAGR | +7.6% ▲ |
🏠 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 (3.7%). 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 13319
Population: 434
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 13319
Nearby Schools (5 more)
Schools in adjacent ZIP codes that may serve this area
MYLES ELEMENTARY SCHOOL
NEW HARTFORD SENIOR HIGH SCHOOL
PERRY JUNIOR HIGH SCHOOL
SAUQUOIT VALLEY HIGH SCHOOL
SAUQUOIT VALLEY MIDDLE SCHOOL
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
Investor Insight: With 1,859 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
What kind of vacancy should I budget for in Chadwicks, NY?
Chadwicks, NY carries elevated vacancy risk. Expect stable absorption at market rents of $945/mo.
What is the typical renter like in Chadwicks, NY?
The tenant pool in Chadwicks, NY is solid, supported by local employment and population fundamentals. Rents of $945/mo are well-absorbed by the market.
Does house hacking make sense in Chadwicks, NY?
House hacking in Chadwicks, NY is a challenging. With home values around $201K and rents at $945/mo, owner-occupants can offset a meaningful share of PITI.
How do landlord-tenant laws work in Chadwicks, NY?
Rental owners in Chadwicks, NY deal with a tenant-protective legal framework. Most standard eviction processes run on reasonable timelines.
What is the median home value in Chadwicks, NY?
The median home value in Chadwicks, NY is roughly $201K. That puts it reasonable relative to the NY statewide average.
You know 13319 now. You don’t know where it ranks.
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How 13319 ranks in Utica-Rome, NY
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