Real Estate Investing in Sauquoit, New York (13456)

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

Oneida County • Population: 4,103 • Data updated: September 2026

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Should you buy in 13456 (Sauquoit, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (77/100)

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
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
  • High price-to-rent: Price-to-rent ratio 26.5 — hard to cash-flow at these prices.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Sauquoit, NY (13456)?

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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 $300,281
Avg Monthly Rent $945
1% Rule ✗ Does Not Meet
Median Income $87,977
% Renters 13.9%

Market Analysis: 13456 Sauquoit

The 13456 ZIP in Sauquoit, NY is a local-operator market. Outside capital chasing a $300K entry has to pair deep knowledge with the discount.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $300K asset, 13456 is the wrong submarket. If the plan prices in friction, the yield can still work.

The gap between 13456 and stronger Sauquoit ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

A resilient renter share of 14% in 13456 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 13456, but they flow to investors who already understand how to operate in soft markets.

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 Sauquoit:

B Good
Buy Confidence Score: 75/100
Affordability
20/25
Appreciation
25/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.4× the median income
Value Trend
Rising (+8.5%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $945/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
🏠

Property Strategy for 13456

Which property type performs best in this market?

Best for Cash Flow
2BR
3.5% cap rate
Best for Appreciation
3BR
+9.1% 5yr CAGR
Best Overall Value
4BR
$85,170/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $215,783 $1,050 3.5% +8.3% $107,891
3BR $273,835 $1,260 3.3% +9.1% $91,278
4BR $340,682 $1,490 3.1% +8.4% $85,170

Market Trends

Home Value History (with trend line)

$314K$274K$233K$192K$151K$111KJul 2006Jul 2016Jul 2026

📊 How Does 13456 Compare?

Metric 13456 Sauquoit Utica-Rome, NY New York
Home Value $300,281 $300,281 N/A $505,608
5-Year CAGR 7.7% 7.7% N/A 6.6%
Avg Rent $945 $945 N/A -
Cap Rate 2.5% 2.5% - -
💡 Why Invest in 13456? 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 13456 (Sauquoit, NY). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.5%
Low
5yr Growth
+7.7%
Strong

📊 Market Snapshot

Home Value $300,281
Monthly Rent $945
Price-to-Rent 26.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.8%
Cap Rate 2.5%
5-Year IRR 10.2%

📈 Home Appreciation

1-Year +8.5% ▲
3-Year CAGR +7.8% ▲
5-Year CAGR +7.7% ▲
10-Year CAGR +7.6% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.5%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.5%). 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
4.1%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+7.7%
Growing
Eviction process: Slow Rent control: Unfavorable

Demographics in 13456

Population: 4,103

💰 Median Household Income
$87,977
This area
$87,977
State
$86,376
USA
$74,580
🏠 Renter Occupied
13.9%
This area
13.9%
State
26.4%
USA
34.0%
💼 Unemployment Rate
1.9%
This area
1.9%
State
-24.2%
USA
3.7%
🎓 College Educated
36.0%
This area
36.0%
State
4.2%
USA
33.7%
👤 Median Age
38.9 years
This area
38.9 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
4.1%
This area
4.1%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 95.8%
Other/Mixed 2.4%
Hispanic/Latino 1.6%
Asian 1.5%
Black/African American 0.4%
👶 Under 18
28.0%
This area
28.0%
USA
22.0%
👴 65 and Over
11.8%
This area
11.8%
USA
17.3%
📊 Poverty Rate
3.4%
This area
3.4%
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

🎓 Schools in 13456

A+ Avg School Grade
3 Schools
11.7:1 Avg Class Size
$24,530 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

SAUQUOIT VALLEY HIGH SCHOOL

📚 09 – 12 High School
👥
289 Students
👨‍🏫
10.8:1 Class Size
💰
$24,530 Per Student
A+ Excellent

SAUQUOIT VALLEY MIDDLE SCHOOL

📚 05 – 08 School
👥
282 Students
👨‍🏫
9.8:1 Class Size
💰
$24,530 Per Student
A+ Excellent

SAUQUOIT VALLEY ELEMENTARY SCHOOL

📚 K – 04 Elementary
👥
344 Students
👨‍🏫
14.4:1 Class Size
💰
$24,530 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

7 Nearby 1,859 Off-Campus Students
C+
Mohawk Valley Community College
5,762 students · 5.6 mi
C
Saint Elizabeth College of Nursing
146 students · 5.6 mi
C
Utica University
3,733 students · 6.6 mi
B+
Hamilton College
2,048 students · 8.3 mi
C+
SUNY Polytechnic Institute
2,704 students · 9.5 mi
C
Herkimer County Community College
1,863 students · 12.9 mi
C
Herkimer County BOCES-Practical Nursing Program
62 students · 13.9 mi

Investor Insight: With 1,859 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Is Sauquoit, NY a friendly market for rental owners?

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

How strong is Sauquoit, NY for real estate investors?

With a 3.0/5 investability score, Sauquoit, NY ranks as a solid market for rental property investors. Median prices of $300K and rents of $945/mo drive the underlying numbers.

What is the median home value in Sauquoit, NY?

Homes in Sauquoit, NY typically sell near $300K. Prices have moved at a 0.0% 5-year CAGR, which reliable long-term demand.

Is Sauquoit, NY a good market for FHA house hackers?

House hacking works a challenging in Sauquoit, NY. Rents of $945/mo against $300K acquisition make the strategy solid for owner-occupants.

What is the typical renter like in Sauquoit, NY?

Sauquoit, NY draws a reliable base of working renters. Demand at the $945/mo rent level is reasonable for standard single-family and small multi rentals.

You know 13456 now. You don’t know where it ranks.

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How 13456 ranks in Utica-Rome, NY

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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