Real Estate Investing in Poland, New York (13431)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 13431 (Poland, 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: 12.4% 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 Poland, NY (13431)?
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Market Analysis: 13431 Poland
ZIP 13431 in Poland, NY carries a substantial set of headwinds. Home values near $265K and rents of $972/mo sit inside a market where underwriting has to be tight.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 13431 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
Within NY, ZIP 13431 trails on several market indicators that neighboring Herkimer County submarkets outperform. The gap is real and sturdy enough to shape underwriting.
A substantial renter share of 18% in 13431 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
Distressed ZIPs reward experience. solid returns are possible in 13431, but they flow to investors who already understand how to operate in soft markets.
Here's what matters if you're considering buying a home in Poland:
Property Strategy for 13431
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $217,412 | $1,080 | 3.6% | +7.5% | $108,706 |
| 3BR | $253,672 | $1,290 | 3.7% | +7.8% | $84,557 |
| 4BR | $282,293 | $1,500 | 3.8% | +7.6% | $70,573 |
Market Trends
Home Value History (with trend line)
📊 How Does 13431 Compare?
| Metric | 13431 | Poland | Utica-Rome, NY | New York |
|---|---|---|---|---|
| Home Value | $264,793 | $264,793 | N/A | $505,608 |
| 5-Year CAGR | 7.0% | 7.0% | N/A | 6.6% |
| Avg Rent | $972 | $972 | N/A | - |
| Cap Rate | 2.9% | 2.9% | - | - |
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 13431 (Poland, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $264,793 |
| Monthly Rent | $972 |
| Price-to-Rent | 22.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.4% |
| Cap Rate | 2.9% |
| 5-Year IRR | 9.8% |
📈 Home Appreciation
| 1-Year | +9.7% ▲ |
| 3-Year CAGR | +6.2% ▲ |
| 5-Year CAGR | +7.0% ▲ |
| 10-Year CAGR | +7.0% ▲ |
🏠 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 (2.9%). 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 13431
Population: 1,929
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 13431
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 1,859 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Is real estate in Poland, NY a good investment right now?
Poland, NY rates 3.0/5 for investability. With median values at $265K and rents near $972/mo, the market offers reasonable fundamentals for rental investors.
How should investors approach Poland, NY?
Most investors in Poland, 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 do landlords charge for rent in Poland, NY?
Expect rents around $972/mo per month in Poland, NY. With home values at $265K, the yield math works out to reasonable levels for rental investors.
Is the tenant base reliable in Poland, NY?
Tenant demand in Poland, NY is solid. The local workforce $972/mo rents across most rental classes.
How quickly do rentals get leased in Poland, NY?
Vacancy risk in Poland, NY is elevated. That supports stable cash flow for typical rental holds.
You know 13431 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 13431 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.
How 13431 ranks in Utica-Rome, NY
Every ZIP in this metro, ranked. Free.
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