Real Estate Investing in Saint Johnsville, New York (13452)

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

Fulton County • Population: 4,850 • Data updated: September 2026

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Should you buy in 13452 (Saint Johnsville, 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: 15.5% 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 Saint Johnsville, NY (13452)?

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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 $159,824
Avg Monthly Rent $918
1% Rule ✗ Does Not Meet
Median Income $59,167
% Renters 23.7%

Market Analysis: 13452 Saint Johnsville

Investors eyeing 13452 need to respect the fundamentals at play. Home values of $160K come alongside slower price movement and elevated management overhead.

Rent of $918/mo on a $160K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 13452 sits below the stated 0.0% once reality is priced in.

ZIP 13452's metrics run below Fulton County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

Employment concentration in 13452 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

Strategically, 13452 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.

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 Saint Johnsville:

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 (+12.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $918/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
Gloversville, NY Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
10.1%
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 Gloversville, NY metro data
🏠

Property Strategy for 13452

Which property type performs best in this market?

Best for Cash Flow
4BR
6.3% cap rate
Best for Appreciation
4BR
+6.5% 5yr CAGR
Best Overall Value
4BR
$39,657/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $136,557 $1,020 5.4% +6.4% $68,279
3BR $149,378 $1,260 6.1% +5.3% $49,793
4BR $158,627 $1,380 6.3% +6.5% $39,657

Market Trends

Home Value History (with trend line)

$167K$147K$127K$107K$87K$67KJul 2006Jul 2016Jul 2026

📊 How Does 13452 Compare?

Metric 13452 Saint Johnsville Gloversville, NY New York
Home Value $159,824 $159,824 N/A $505,608
5-Year CAGR 4.7% 4.7% N/A 6.6%
Avg Rent $918 $918 N/A -
Cap Rate 4.5% 4.5% - -
💡 Why Invest in 13452? 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 →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 13452 (Saint Johnsville, NY). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.5%
Fair
5yr Growth
+4.7%
Moderate

📉 Market Crash Risk Index

Based on Gloversville, NY metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
47%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $159,824
Monthly Rent $918
Price-to-Rent 14.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.9%
Cap Rate 4.5%
5-Year IRR 9.2%

📈 Home Appreciation

1-Year +12.7% ▲
3-Year CAGR +6.7% ▲
5-Year CAGR +4.7% ▲
10-Year CAGR +6.8% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.5%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.5%). 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
15.5%
Elevated risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+4.7%
Stable
Eviction process: Slow Rent control: Unfavorable

Demographics in 13452

Population: 4,850

💰 Median Household Income
$59,167
This area
$59,167
State
$86,376
USA
$74,580
🏠 Renter Occupied
23.7%
This area
23.7%
State
26.4%
USA
34.0%
💼 Unemployment Rate
3.2%
This area
3.2%
State
-24.2%
USA
3.7%
🎓 College Educated
13.1%
This area
13.1%
State
4.2%
USA
33.7%
👤 Median Age
42.2 years
This area
42.2 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
15.5%
This area
15.5%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 93.3%
Other/Mixed 5.9%
Hispanic/Latino 5.3%
Black/African American 0.8%
👶 Under 18
21.9%
This area
21.9%
USA
22.0%
👴 65 and Over
21.0%
This area
21.0%
USA
17.3%
📊 Poverty Rate
14.0%
This area
14.0%
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 13452

A+ Avg School Grade
2 Schools
10.5:1 Avg Class Size
$33,089 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent
👥
356 Students
👨‍🏫
9.5:1 Class Size
💰
$33,089 Per Student
A+ Excellent
👥
362 Students
👨‍🏫
11.5:1 Class Size
💰
$33,089 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.

Frequently Asked Questions

How qualified is the tenant pool in Saint Johnsville, NY?

Working renters make up the core of the Saint Johnsville, NY tenant base. The pool is reasonable for investors targeting long-term holds.

Does house hacking work in Saint Johnsville, NY?

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

How expensive is real estate in Saint Johnsville, NY?

In Saint Johnsville, NY the median home value sits at $160K. Against the broader NY market, that reads as reasonable for most investors.

How much is rent in Saint Johnsville, NY?

Average rent in Saint Johnsville, NY is approximately $918/mo per month. Against $160K home values that yields a reasonable rent-to-price ratio.

How does Saint Johnsville, NY rate as a rental market?

Investors tracking Saint Johnsville, NY will find a 3.0/5 rating supported by $160K median home values and $918/mo rents. That profile suits long-term holders targeting stable returns.

You know 13452 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 13452 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 13452 ranks in Gloversville, NY

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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