Real Estate Investing in Whitesboro, New York (13492)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 13492 (Whitesboro, NY)? Our answer, based on the numbers below.
Solid choice — values are growing steadily and the market is stable enough to buy with confidence.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
What’s happening in Whitesboro, NY (13492)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 13492 Whitesboro
ZIP 13492 in Whitesboro, NY carries a solid set of headwinds. Home values near $271K and rents of $1,338/mo sit inside a market where underwriting has to be tight.
In practical terms, the numbers look inviting — $271K purchase price, 0.0% nominal cap — the work to hit that pro forma in 13492 is substantial and deserves full respect.
Regionally, 13492 sits on the difficult end of the NY spectrum. The an appealing option for read — for disciplined operators — is that pricing reflects the difficulty.
Resident income in 13492 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
Strategically, 13492 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 Whitesboro:
Property Strategy for 13492
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $190,144 | $1,240 | 4.7% | +9.2% | $95,072 |
| 3BR | $239,441 | $1,490 | 4.5% | +8.8% | $79,814 |
| 4BR | $352,811 | $1,720 | 3.5% | +9.0% | $88,203 |
| 5BR | $361,325 | — | — | +9.4% | $72,265 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 13492 Compare?
| Metric | 13492 | Whitesboro | Utica-Rome, NY | New York |
|---|---|---|---|---|
| Home Value | $270,726 | $270,726 | N/A | $505,608 |
| 5-Year CAGR | 7.3% | 7.3% | N/A | 6.6% |
| Avg Rent | $1,338 | $1,338 | N/A | - |
| Cap Rate | 3.9% | 3.9% | - | - |
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 13492 (Whitesboro, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $270,726 |
| Monthly Rent | $1,338 |
| Price-to-Rent | 16.9:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.9% |
| Cap Rate | 3.9% |
| 5-Year IRR | 11.2% |
📈 Home Appreciation
| 1-Year | +8.5% ▲ |
| 3-Year CAGR | +7.5% ▲ |
| 5-Year CAGR | +7.3% ▲ |
| 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 13492
Population: 11,233
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 13492
Schools in This ZIP Code
Nearby Schools (3 more)
Schools in adjacent ZIP codes that may serve this area
NEW YORK MILLS SCHOOL
ORISKANY JUNIOR-SENIOR HIGH SCHOOL
N A WALBRAN ELEMENTARY SCHOOL
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 1,628 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
What is the typical vacancy rate in Whitesboro, NY?
Occupancy in Whitesboro, NY runs consistent with elevated vacancy. Well-priced units at $1,338/mo lease on reasonable timelines.
Is Whitesboro, NY a good place for real estate investing?
Yes - Whitesboro, NY a 3.0/5 investability score. With $271K home prices against $1,338/mo monthly rent, the market delivers a reasonable entry point for new investors.
Where do home prices stand in Whitesboro, NY?
Whitesboro, NY median home values land near $271K. That is reasonable territory for investors looking at $1,338/mo-per-month rentals.
Is Whitesboro, NY good for house hacking?
The house hack math a challenging in Whitesboro, NY. Owner-occupant buyers benefit from the $1,338/mo rents and $271K home values.
What kind of tenants rent in Whitesboro, NY?
Tenant quality in Whitesboro, NY ranks as solid. Landlords generally report reliable occupancy at market rents of $1,338/mo.
You know 13492 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 13492 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 13492 ranks in Utica-Rome, NY
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