Real Estate Investing in West Winfield, New York (13491)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 13491 (West Winfield, 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: 12.7% 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 West Winfield, NY (13491)?
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Market Analysis: 13491 West Winfield
Investors eyeing 13491 need to respect the fundamentals at play. Home values of $217K come alongside slower price movement and elevated management overhead.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $217K asset, 13491 is the wrong submarket. If the plan prices in friction, the yield can still work.
Within NY, ZIP 13491 trails on several market indicators that neighboring Herkimer County submarkets outperform. The gap is real and impressive enough to shape underwriting.
A sturdy renter share of 17% in 13491 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
Strategically, 13491 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.
Here's what matters if you're considering buying a home in West Winfield:
Property Strategy for 13491
Which property type performs best in this market?
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| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $172,939 | $1,190 | 5.0% | +8.4% | $86,469 |
| 3BR | $205,836 | $1,460 | 5.1% | +8.4% | $68,612 |
| 4BR | $231,680 | $1,640 | 5.1% | +10.0% | $57,920 |
Market Trends
Home Value History (with trend line)
📊 How Does 13491 Compare?
| Metric | 13491 | West Winfield | Utica-Rome, NY | New York |
|---|---|---|---|---|
| Home Value | $217,142 | $217,142 | N/A | $505,608 |
| 5-Year CAGR | 7.6% | 7.6% | N/A | 6.6% |
| Avg Rent | $1,071 | $1,071 | N/A | - |
| Cap Rate | 3.9% | 3.9% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 13491 (West Winfield, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $217,142 |
| Monthly Rent | $1,071 |
| Price-to-Rent | 16.9:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.9% |
| Cap Rate | 3.9% |
| 5-Year IRR | 11.5% |
📈 Home Appreciation
| 1-Year | +10.4% ▲ |
| 3-Year CAGR | +7.8% ▲ |
| 5-Year CAGR | +7.6% ▲ |
| 10-Year CAGR | +7.6% ▲ |
🏠 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 (3.9%). 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 13491
Population: 3,570
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 13491
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
Frequently Asked Questions
What do rentals go for in West Winfield, NY?
Rents in West Winfield, NY run near $1,071/mo. Compared with median home prices of $217K that produces solid gross yields for typical rentals.
How strong is the working-renter base in West Winfield, NY?
West Winfield, NY offers a stable renter base at the $1,071/mo rent level. Tenant turnover is reasonable for well-managed properties.
Which real estate strategy fits West Winfield, NY?
For West Winfield, NY, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.
Does house hacking make sense in West Winfield, NY?
The a challenging house-hack environment in West Winfield, NY reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.
How tight is the rental market in West Winfield, NY?
West Winfield, NY sees elevated vacancy, which is reasonable relative to the broader NY rental market.
You know 13491 now. You don’t know where it ranks.
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How 13491 ranks in Utica-Rome, NY
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