Real Estate Investing in Croghan, New York (13327)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 13327 (Croghan, 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: 36.6% 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 Croghan, NY (13327)?
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Market Analysis: 13327 Croghan
ZIP 13327 in Croghan, NY carries a impressive set of headwinds. Home values near $204K and rents of $873/mo sit inside a market where underwriting has to be tight.
The 13327 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
Within NY, ZIP 13327 trails on several market indicators that neighboring Lewis County submarkets outperform. The gap is real and impressive enough to shape underwriting.
Demographically, 13327 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.
The right play in 13327 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 Croghan:
Property Strategy for 13327
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $163,794 | $970 | 4.3% | +7.4% | $81,897 |
| 3BR | $210,389 | $1,350 | 4.6% | +7.7% | $70,130 |
| 4BR | $206,389 | $1,590 | 5.5% | +7.4% | $51,597 |
Market Trends
Home Value History (with trend line)
📊 How Does 13327 Compare?
| Metric | 13327 | Croghan | New York |
|---|---|---|---|
| Home Value | $203,823 | $203,823 | $505,608 |
| 5-Year CAGR | 6.1% | 6.1% | 6.6% |
| Avg Rent | $873 | $873 | - |
| Cap Rate | 3.3% | 3.3% | - |
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 13327 (Croghan, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $203,823 |
| Monthly Rent | $873 |
| Price-to-Rent | 19.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.1% |
| Cap Rate | 3.3% |
| 5-Year IRR | 9.5% |
📈 Home Appreciation
| 1-Year | +8.5% ▲ |
| 3-Year CAGR | +5.4% ▲ |
| 5-Year CAGR | +6.1% ▲ |
| 10-Year CAGR | +6.4% ▲ |
🏠 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 (3.3%). 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 13327
Population: 1,956
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
Frequently Asked Questions
How much do tenants pay in Croghan, NY?
The typical rental in Croghan, NY commands about $873/mo monthly. That rent profile measured cash flow against the $204K purchase basis.
Is housing expensive in Croghan, NY?
Typical homes in Croghan, NY go for around $204K. The 5-year CAGR of 0.0% measured price movement.
What kind of market is Croghan, NY for investors?
Croghan, NY scores 3.0/5 for investability. Home values sit at $204K and rents near $873/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.
Are landlord laws favorable in Croghan, NY?
For rental operators, Croghan, NY rates as tenant-protective. The regulatory environment standard buy-and-hold operations.
Should investors worry about vacancy in Croghan, NY?
Vacancy risk in Croghan, NY is elevated. That supports stable cash flow for typical rental holds.
You know 13327 now. You don’t know where it ranks.
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