Real Estate Investing in Clinton, New York (13323)
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Should you buy in 13323 (Clinton, NY)? Our answer, based on the numbers below.
Solid choice — values are growing steadily and the market is stable enough to buy with confidence.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
What’s happening in Clinton, NY (13323)?
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Market Analysis: 13323 Clinton
The 13323 ZIP covers a section of Clinton that demands careful diligence. Prices near $312K look accessible, but the work to make a deal cash flow is real.
For an experienced owner, 13323 can be a a strong candidate for hunting ground — but the discount at $312K reflects genuine risk that outside investors often underestimate.
ZIP 13323's metrics run below Oneida County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
The demographic picture in 13323 includes headwinds that any investor should price in. Income distribution skews lower than Clinton averages, and tenant stability requires active management.
Strategically, 13323 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 Clinton:
Property Strategy for 13323
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $222,919 | $1,410 | 4.6% | +10.7% | $111,460 |
| 3BR | $273,940 | $1,690 | 4.4% | +8.6% | $91,313 |
| 4BR | $382,825 | $1,950 | 3.7% | +8.6% | $95,706 |
| 5BR | $450,934 | — | — | +8.6% | $90,187 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 13323 Compare?
| Metric | 13323 | Clinton | Utica-Rome, NY | New York |
|---|---|---|---|---|
| Home Value | $311,843 | $311,843 | N/A | $505,608 |
| 5-Year CAGR | 6.8% | 6.8% | N/A | 6.6% |
| Avg Rent | $1,438 | $1,438 | N/A | - |
| Cap Rate | 3.6% | 3.6% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 13323 (Clinton, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $311,843 |
| Monthly Rent | $1,438 |
| Price-to-Rent | 18.1:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.5% |
| Cap Rate | 3.6% |
| 5-Year IRR | 10.4% |
📈 Home Appreciation
| 1-Year | +6.6% ▲ |
| 3-Year CAGR | +6.6% ▲ |
| 5-Year CAGR | +6.8% ▲ |
| 10-Year CAGR | +6.8% ▲ |
🏠 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 (3.6%). 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 13323
Population: 11,014
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 13323
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.
🎓 Nearby Colleges & Universities
Investor Insight: With 1,628 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
How strict are landlord regulations in Clinton, NY?
Clinton, NY operates under NY law, which is tenant-protective overall for landlords. Expect steady treatment in typical lease and eviction cases.
What kind of tenants rent in Clinton, NY?
Clinton, NY offers a stable renter base at the $1,438/mo rent level. Tenant turnover is reasonable for well-managed properties.
How much should I expect to pay for a home in Clinton, NY?
Typical homes in Clinton, NY go for around $312K. The 5-year CAGR of 0.0% stable price movement.
What real estate strategy is ideal for Clinton, NY?
Clinton, NY investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($312K prices, $1,438/mo rents) make it a reasonable choice.
What is the rental occupancy rate in Clinton, NY?
Occupancy in Clinton, NY runs stable with elevated vacancy. Well-priced units at $1,438/mo lease on reasonable timelines.
You know 13323 now. You don’t know where it ranks.
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How 13323 ranks in Utica-Rome, NY
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