Real Estate Investing in Munnsville, New York (13409)

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

Madison County • Population: 2,123 • Data updated: September 2026

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Should you buy in 13409 (Munnsville, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (70/100)

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
2 flags
  • Elevated vacancy: 11.0% vacancy may signal weakening demand.
  • 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 Munnsville, NY (13409)?

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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 $216,508
Avg Monthly Rent $1,098
1% Rule ✗ Does Not Meet
Median Income $67,313
% Renters 7.7%

Market Analysis: 13409 Munnsville

Put differently, ZIP 13409 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $217K median. It rewards specialists, not generalists.

Distressed markets are won on execution, not on spreadsheets. ZIP 13409 reflects the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Within NY, ZIP 13409 trails on several market indicators that neighboring Madison County submarkets outperform. The gap is real and substantial enough to shape underwriting.

Employment concentration in 13409 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

Strategy in 13409 is an operator game, not a passive one. On balance, entry prices of $217K are inviting, the management lift is real and non-optional.

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 Munnsville:

B Good
Buy Confidence Score: 72/100
Affordability
20/25
Appreciation
22/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.2× the median income
Value Trend
Rising (+7.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,098/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
Syracuse, NY Metro Area
Even conditions for buyers and sellers
23 days
Average time to sell
Fast
7.7%
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 Syracuse, NY metro data
🏠

Property Strategy for 13409

Which property type performs best in this market?

Best for Cash Flow
2BR
5.3% cap rate
Best for Appreciation
3BR
+8.9% 5yr CAGR
Best Overall Value
4BR
$58,518/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $165,238 $1,220 5.3% +8.6% $82,619
3BR $213,432 $1,480 5.0% +8.9% $71,144
4BR $234,072 $1,640 5.0% +8.2% $58,518

Market Trends

Home Value History (with trend line)

$227K$199K$172K$144K$117K$89KJul 2006Jul 2016Jul 2026

📊 How Does 13409 Compare?

Metric 13409 Munnsville Syracuse, NY New York
Home Value $216,508 $216,508 N/A $505,608
5-Year CAGR 7.0% 7.0% N/A 6.6%
Avg Rent $1,098 $1,098 N/A -
Cap Rate 4.0% 4.0% - -
💡 Why Invest in 13409? 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.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 13409 (Munnsville, NY). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.0%
Low
5yr Growth
+7.0%
Strong

📉 Market Crash Risk Index

Based on Syracuse, NY metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
29%
Days Pending
0/2
23 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $216,508
Monthly Rent $1,098
Price-to-Rent 16.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.1%
Cap Rate 4.0%
5-Year IRR 11.0%

📈 Home Appreciation

1-Year +7.7% ▲
3-Year CAGR +8.1% ▲
5-Year CAGR +7.0% ▲
10-Year CAGR +6.9% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.0%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.0%). 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
11.0%
Moderate risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+7.0%
Growing
Eviction process: Slow Rent control: Unfavorable

Demographics in 13409

Population: 2,123

💰 Median Household Income
$67,313
This area
$67,313
State
$86,376
USA
$74,580
🏠 Renter Occupied
7.7%
This area
7.7%
State
26.4%
USA
34.0%
💼 Unemployment Rate
2.7%
This area
2.7%
State
-24.2%
USA
3.7%
🎓 College Educated
13.1%
This area
13.1%
State
4.2%
USA
33.7%
👤 Median Age
50.5 years
This area
50.5 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
11.0%
This area
11.0%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 95.7%
Other/Mixed 3.6%
Hispanic/Latino 2.1%
Black/African American 0.7%
👶 Under 18
13.3%
This area
13.3%
USA
22.0%
👴 65 and Over
20.0%
This area
20.0%
USA
17.3%
📊 Poverty Rate
6.6%
This area
6.6%
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

🎓 Schools in 13409

A+ Avg School Grade
1 Schools
9.6:1 Avg Class Size
$28,968 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

STOCKBRIDGE VALLEY CENTRAL SCHOOL

📚 Pre-K – 12 K-12
👥
393 Students
👨‍🏫
9.6:1 Class Size
💰
$28,968 Per Student
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

4 Nearby 134 Off-Campus Students
C
SUNY Morrisville
2,040 students · 6.2 mi
B+
Hamilton College
2,048 students · 10.6 mi
B+
Colgate University
3,146 students · 11.2 mi
C
Madison Oneida BOCES-Practical Nursing Program
88 students · 11.5 mi

Frequently Asked Questions

How do home values compare in Munnsville, NY?

The median home value in Munnsville, NY is roughly $217K. That puts it reasonable relative to the NY statewide average.

What strategy should investors use in Munnsville, NY?

Most investors in Munnsville, NY run a careful cash-flow rentals with hands-on management strategy. It aligns with the 3.0/5 investability profile and the market fundamentals.

What is the rental occupancy rate in Munnsville, NY?

Expect elevated vacancy in Munnsville, NY. Rents at $1,098/mo are absorbed by the tenant base without meaningful lag.

Is Munnsville, NY suited for a house hack?

House hacking works a challenging in Munnsville, NY. Rents of $1,098/mo against $217K acquisition make the strategy solid for owner-occupants.

Is NY a landlord-friendly state?

NY ranks as a tenant-protective state for landlord-tenant law. Munnsville generally follows the statewide framework, so landlords face reasonable operating rules.

You know 13409 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 13409 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.

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How 13409 ranks in Syracuse, NY

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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