Real Estate Investing in Deansboro, New York (13328)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Oneida County • Population: 1,302 • Data updated: September 2026

☆ Watch this market Free account

Should you buy in 13328 (Deansboro, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (84/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • 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 Deansboro, NY (13328)?

Click any question — our AI will research it live from the web and show you sources.

✨ Live AI + Web Search
Want to ask your own questions? Upgrade to Pro for unlimited custom queries.
3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $280,601
Avg Monthly Rent $1,080
1% Rule ✗ Does Not Meet
Median Income $105,882
% Renters 9.6%

Market Analysis: 13328 Deansboro

Not every below-median market is a bargain. Deansboro's 13328 ZIP posts signals that favor experienced operators who can absorb the risk $281K pricing implies.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $281K asset, 13328 is the wrong submarket. If the plan prices in friction, the yield can still work.

In the broader NY picture, 13328 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

Who lives in 13328 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

The 13328 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Deansboro:

B Good
Buy Confidence Score: 72/100
Affordability
20/25
Appreciation
22/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.7× the median income
Value Trend
Rising (+5.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,080/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
BALANCED MARKET
Utica-Rome, NY Metro Area
Even conditions for buyers and sellers
41 days
Average time to sell
Average
10.0%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Utica-Rome, NY metro data

Market Trends

Home Value History (with trend line)

$294K$255K$216K$177K$137K$98KJul 2006Jul 2016Jul 2026

📊 How Does 13328 Compare?

Metric 13328 Deansboro Utica-Rome, NY New York
Home Value $280,601 $280,601 N/A $505,608
5-Year CAGR 6.6% 6.6% N/A 6.6%
Avg Rent $1,080 $1,080 N/A -
Cap Rate 3.0% 3.0% - -
💡 Why Invest in 13328? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
Open the Market Finder →
Free to search · investor plans from $19/mo

Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 13328 (Deansboro, NY). Anonymous, moderated, never written by AI.

Do you own or manage rentals in ZIP 13328 (Deansboro, NY)?

~25 seconds · no account needed · your report is anonymous

Investability
Good
Cap Rate
3.0%
Low
5yr Growth
+6.6%
Strong

📊 Market Snapshot

Home Value $280,601
Monthly Rent $1,080
Price-to-Rent 21.7:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.6%
Cap Rate 3.0%
5-Year IRR 9.6%

📈 Home Appreciation

1-Year +5.9% ▲
3-Year CAGR +7.4% ▲
5-Year CAGR +6.6% ▲
10-Year CAGR +7.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.0%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.0%). 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.

Vacancy
2.7%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+6.6%
Growing
Eviction process: Slow Rent control: Unfavorable

Demographics in 13328

Population: 1,302

💰 Median Household Income
$105,882
This area
$105,882
State
$86,376
USA
$74,580
🏠 Renter Occupied
9.6%
This area
9.6%
State
26.4%
USA
34.0%
💼 Unemployment Rate
0.4%
This area
0.4%
State
-24.2%
USA
3.7%
🎓 College Educated
31.4%
This area
31.4%
State
4.2%
USA
33.7%
👤 Median Age
40.1 years
This area
40.1 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
2.7%
This area
2.7%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 85.9%
Other/Mixed 11.8%
Hispanic/Latino 9.4%
Asian 1.7%
Black/African American 0.8%
👶 Under 18
20.0%
This area
20.0%
USA
22.0%
👴 65 and Over
15.3%
This area
15.3%
USA
17.3%
📊 Poverty Rate
1.4%
This area
1.4%
USA
11.5%

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

8 Nearby 1,681 Off-Campus Students
B+
Hamilton College
2,048 students · 4.8 mi
C
Saint Elizabeth College of Nursing
146 students · 10.7 mi
C
Utica University
3,733 students · 11.1 mi
C
SUNY Morrisville
2,040 students · 12.4 mi
C+
Mohawk Valley Community College
5,762 students · 12.4 mi
B+
Colgate University
3,146 students · 12.5 mi
C
Madison Oneida BOCES-Practical Nursing Program
88 students · 12.8 mi
C+
SUNY Polytechnic Institute
2,704 students · 14.7 mi

Investor Insight: With 1,681 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

How much should I expect to pay for a home in Deansboro, NY?

Expect median prices around $281K in Deansboro, NY. The market has run at a 0.0% 5-year CAGR, so entry costs have been predictable.

Is Deansboro, NY suited for a house hack?

The a challenging house-hack environment in Deansboro, NY reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.

Is Deansboro, NY a good place for real estate investing?

Deansboro, NY clocks in at an investability rating of 3.0/5, with median home values near $281K and average rents around $1,080/mo. That combination puts it in the notable tier for investor interest.

How landlord-friendly is Deansboro, NY?

Landlord-friendliness in Deansboro, NY is tenant-protective. Eviction timelines and lease enforcement are considered reasonable by most property managers.

Is the tenant base reliable in Deansboro, NY?

The renter base in Deansboro, NY is reasonable for the $1,080/mo price point. Screening well and pricing to market typically yields stable tenants.

You know 13328 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 13328 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

Compare Plans

How 13328 ranks in Utica-Rome, NY

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
🤖

AI Market Advisor

Ask questions about investing in 13328 (Deansboro)

Loading...

Community Ratings

What people who’ve spent time here actually say. Not paid reviews.

Be the first to rate 13328 (Deansboro, NY).

It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.