Real Estate Investing in New Berlin, New York (13411)

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

Otsego County • Population: 2,920 • Data updated: September 2026

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Should you buy in 13411 (New Berlin, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (72/100)

Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.

📈 For Investors
MIXED
3.0 / 5 (52/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
2 flags
  • High vacancy: 24.4% 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 New Berlin, NY (13411)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $160,280
Avg Monthly Rent $963
1% Rule ✗ Does Not Meet
Median Income $60,163
% Renters 19.8%

Market Analysis: 13411 New Berlin

The 13411 ZIP covers a section of New Berlin that demands careful diligence. Prices near $160K look accessible, but the work to make a deal cash flow is real.

Put differently, the numbers look inviting — $160K purchase price, 0.0% nominal cap — the work to hit that pro forma in 13411 is substantial and deserves full respect.

Statewide comparisons place 13411 among NY's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

Who lives in 13411 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

New investors are better served looking at New Berlin's stable or hybrid ZIPs before stepping into 13411. The learning curve here is expensive when the lesson is wrong.

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 New Berlin:

C+ Average
Buy Confidence Score: 66/100
Affordability
20/25
Appreciation
18/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.7× the median income
Value Trend
Rising (+10.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $963/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Oneonta, NY Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
5.5%
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 Oneonta, NY metro data
🏠

Property Strategy for 13411

Which property type performs best in this market?

Best for Cash Flow
3BR
6.2% cap rate
Best for Appreciation
2BR
+7.0% 5yr CAGR
Best Overall Value
4BR
$43,494/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $125,174 $1,070 6.2% +7.0% $62,587
3BR $149,027 $1,290 6.2% +6.7% $49,676
4BR $173,976 $1,420 5.9% +6.0% $43,494

Market Trends

Home Value History (with trend line)

$167K$148K$129K$110K$92K$73KJul 2006Jul 2016Jul 2026

📊 How Does 13411 Compare?

Metric 13411 New Berlin Oneonta, NY New York
Home Value $160,280 $160,280 N/A $505,608
5-Year CAGR 4.9% 4.9% N/A 6.6%
Avg Rent $963 $963 N/A -
Cap Rate 4.7% 4.7% - -
💡 Why Invest in 13411? 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 13411 (New Berlin, NY). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.7%
Fair
5yr Growth
+4.9%
Moderate

📉 Market Crash Risk Index

Based on Oneonta, NY metro

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

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $160,280
Monthly Rent $963
Price-to-Rent 13.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 7.2%
Cap Rate 4.7%
5-Year IRR 9.6%

📈 Home Appreciation

1-Year +10.0% ▲
3-Year CAGR +6.6% ▲
5-Year CAGR +4.9% ▲
10-Year CAGR +6.6% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.7%). 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
24.4%
Elevated risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+4.9%
Stable
Eviction process: Slow Rent control: Unfavorable

Demographics in 13411

Population: 2,920

💰 Median Household Income
$60,163
This area
$60,163
State
$86,376
USA
$74,580
🏠 Renter Occupied
19.8%
This area
19.8%
State
26.4%
USA
34.0%
💼 Unemployment Rate
1.8%
This area
1.8%
State
-24.2%
USA
3.7%
🎓 College Educated
20.4%
This area
20.4%
State
4.2%
USA
33.7%
👤 Median Age
46.5 years
This area
46.5 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
24.4%
This area
24.4%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 95.3%
Other/Mixed 4.4%
Hispanic/Latino 4.1%
Asian 0.2%
Black/African American 0.1%
👶 Under 18
18.2%
This area
18.2%
USA
22.0%
👴 65 and Over
23.1%
This area
23.1%
USA
17.3%
📊 Poverty Rate
10.3%
This area
10.3%
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 13411

A+ Avg School Grade
2 Schools
11.6:1 Avg Class Size
$29,910 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

UNADILLA VALLEY ELEMENTARY SCHOOL

📚 Pre-K – 07 School
👥
455 Students
👨‍🏫
11.9:1 Class Size
💰
$29,910 Per Student
A+ Excellent

UNADILLA VALLEY SECONDARY SCHOOL

📚 04 – 12 High School
👥
342 Students
👨‍🏫
11.3:1 Class Size
💰
$29,910 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

1 Nearby 34 Off-Campus Students
C
Delaware Chenango Madison Otsego BOCES-Practical Nursing Program
34 students · 11.3 mi

Frequently Asked Questions

What strategy should investors use in New Berlin, NY?

In New Berlin, NY the significant play is typically careful cash-flow rentals with hands-on management. The combination of $160K prices and $963/mo rents suits that approach.

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

New Berlin, NY median home values land near $160K. That is reasonable territory for investors looking at $963/mo-per-month rentals.

How tight is the rental market in New Berlin, NY?

Vacancy in New Berlin, NY is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $963/mo.

Are landlord laws favorable in New Berlin, NY?

For rental operators, New Berlin, NY rates as tenant-protective. The regulatory environment standard buy-and-hold operations.

How strong are rents in New Berlin, NY?

Rent in New Berlin, NY is around $963/mo. The resulting rent-to-value relationship with $160K pricing is reasonable for most investor models.

You know 13411 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 13411 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 13411 ranks in Oneonta, NY

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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