Real Estate Investing in Smyrna, New York (13464)

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

Chenango County • Population: 1,154 • Data updated: September 2026

☆ Watch this market Free account

Should you buy in 13464 (Smyrna, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (75/100)

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 (57/100)

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: 23.8% 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 Smyrna, NY (13464)?

Click any question — our AI will research it live from the web and show you sources.

✨ Live AI + Web Search
Want to ask your own questions? Upgrade to Pro for unlimited custom queries.
3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

5.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $144,720
Avg Monthly Rent $1,152
1% Rule ✗ Does Not Meet
Median Income $53,788
% Renters 16.7%

Market Analysis: 13464 Smyrna

Not every below-median market is a bargain. Smyrna's 13464 ZIP registers signals that favor experienced operators who can absorb the risk $145K pricing implies.

The investment case in 13464 is durable only for operators who understand what they are buying. A $145K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

Regionally, 13464 sits on the difficult end of the NY spectrum. The a credible choice for read — for disciplined operators — is that pricing reflects the difficulty.

Who lives in 13464 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

Strategy in 13464 is an operator game, not a passive one. From a cash-flow lens, entry prices of $145K 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 Smyrna:

C+ Average
Buy Confidence Score: 68/100
Affordability
20/25
Appreciation
18/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.7× the median income
Value Trend
Rising (+9.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,152/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.

Market Trends

Home Value History (with trend line)

$153K$135K$117K$100K$82K$65KJun 2006Jul 2016Jul 2026

📊 How Does 13464 Compare?

Metric 13464 Smyrna New York
Home Value $144,720 $144,720 $505,608
5-Year CAGR 4.1% 4.1% 6.6%
Avg Rent $1,152 $1,152 -
Cap Rate 6.2% 6.2% -
💡 Why Invest in 13464? 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.
Open the Market Finder →
Free to search · investor plans from $19/mo

Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 13464 (Smyrna, NY). Anonymous, moderated, never written by AI.

Do you own or manage rentals in ZIP 13464 (Smyrna, NY)?

~25 seconds · no account needed · your report is anonymous

Investability
Good
Cap Rate
6.2%
Good
5yr Growth
+4.1%
Moderate

📊 Market Snapshot

Home Value $144,720
Monthly Rent $1,152
Price-to-Rent 10.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 9.6%
Cap Rate 6.2%
5-Year IRR 10.3%

📈 Home Appreciation

1-Year +9.7% ▲
3-Year CAGR +4.6% ▲
5-Year CAGR +4.1% ▲
10-Year CAGR +6.4% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 6.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (6.2%). 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
23.8%
Elevated risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+4.1%
Stable
Eviction process: Slow Rent control: Unfavorable

Demographics in 13464

Population: 1,154

💰 Median Household Income
$53,788
This area
$53,788
State
$86,376
USA
$74,580
🏠 Renter Occupied
16.7%
This area
16.7%
State
26.4%
USA
34.0%
💼 Unemployment Rate
3.6%
This area
3.6%
State
-24.2%
USA
3.7%
🎓 College Educated
7.5%
This area
7.5%
State
4.2%
USA
33.7%
👤 Median Age
51.4 years
This area
51.4 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
23.8%
This area
23.8%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 97.1%
Other/Mixed 2.8%
Hispanic/Latino 0.6%
Black/African American 0.2%
👶 Under 18
21.7%
This area
21.7%
USA
22.0%
👴 65 and Over
22.5%
This area
22.5%
USA
17.3%
📊 Poverty Rate
10.6%
This area
10.6%
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

🎓 Nearby Colleges & Universities

3 Nearby 87 Off-Campus Students
C
Delaware Chenango Madison Otsego BOCES-Practical Nursing Program
34 students · 8.6 mi
B+
Colgate University
3,146 students · 10.1 mi
C
SUNY Morrisville
2,040 students · 14.4 mi

Frequently Asked Questions

Is Smyrna in NY worth investing in?

Our data puts Smyrna, NY at 3.0/5 for investability. Home prices of $145K and rents around $1,152/mo create a solid backdrop for investor activity.

How much is rent in Smyrna, NY?

Smyrna, NY rentals go for roughly $1,152/mo a month. That puts gross yield in solid territory relative to $145K acquisition costs.

Should investors worry about vacancy in Smyrna, NY?

Smyrna, NY sees elevated vacancy, which is reasonable relative to the broader NY rental market.

Which investment style suits Smyrna, NY?

A careful cash-flow rentals with hands-on management strategy Smyrna, NY best. The market produces reliable results for that approach at the $145K price point.

How landlord-friendly is Smyrna, NY?

The landlord environment in Smyrna, NY is tenant-protective. Statewide rules shape most day-to-day operations for rental owners.

You know 13464 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 13464 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.

Compare Plans
🤖

AI Market Advisor

Ask questions about investing in 13464 (Smyrna)

Loading...

Community Ratings

What people who’ve spent time here actually say. Not paid reviews.

Be the first to rate 13464 (Smyrna, NY).

It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.