Real Estate Investing in Clayville, New York (13322)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 13322 (Clayville, 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: 31.7% 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 Clayville, NY (13322)?
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Market Analysis: 13322 Clayville
The 13322 ZIP covers a section of Clayville that demands careful diligence. Prices near $243K look accessible, but the work to make a deal cash flow is real.
Rent of $1,206/mo on a $243K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 13322 sits below the stated 0.0% once reality is priced in.
On balance, 13322 offers a low basis, the region around Clayville has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
Who lives in 13322 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
Strategically, 13322 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.
Here's what matters if you're considering buying a home in Clayville:
Market Trends
Home Value History (with trend line)
📊 How Does 13322 Compare?
| Metric | 13322 | Clayville | Utica-Rome, NY | New York |
|---|---|---|---|---|
| Home Value | $243,462 | $243,462 | N/A | $505,608 |
| 5-Year CAGR | 6.8% | 6.8% | N/A | 6.6% |
| Avg Rent | $1,206 | $1,206 | N/A | - |
| Cap Rate | 3.9% | 3.9% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 13322 (Clayville, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $243,462 |
| Monthly Rent | $1,206 |
| Price-to-Rent | 16.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.9% |
| Cap Rate | 3.9% |
| 5-Year IRR | 10.7% |
📈 Home Appreciation
| 1-Year | +8.0% ▲ |
| 3-Year CAGR | +7.0% ▲ |
| 5-Year CAGR | +6.8% ▲ |
| 10-Year CAGR | +7.5% ▲ |
🏠 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 (3.9%). 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 13322
Population: 1,059
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
🎓 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
How strong are rents in Clayville, NY?
Investors in Clayville, NY typically see rents near $1,206/mo per month against $243K home values - a solid setup for rental cash flow.
Is house hacking profitable in Clayville, NY?
House hacking works a challenging in Clayville, NY. Rents of $1,206/mo against $243K acquisition make the strategy solid for owner-occupants.
How high is vacancy risk in Clayville, NY?
Clayville, NY carries elevated vacancy risk. Expect measured absorption at market rents of $1,206/mo.
Are homes affordable in Clayville, NY?
Clayville, NY median home values land near $243K. That is reasonable territory for investors looking at $1,206/mo-per-month rentals.
How does Clayville, NY stack up for property investment?
Clayville, NY records an investability rating of 3.0/5, with median home values near $243K and average rents around $1,206/mo. That combination puts it in the sturdy tier for investor interest.
You know 13322 now. You don’t know where it ranks.
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How 13322 ranks in Utica-Rome, NY
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