Real Estate Investing in Calcium, New York (13616)

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

Jefferson County • Population: 1,560 • Data updated: September 2026

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Should you buy in 13616 (Calcium, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (72/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 For Investors
MIXED
3.0 / 5 (52/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • 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 Calcium, NY (13616)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $224,337
Avg Monthly Rent $1,278
1% Rule ✗ Does Not Meet
Median Income $45,921
% Renters 71.3%

Market Analysis: 13616 Calcium

This part of Jefferson County is not an easy win. The 13616 ZIP registers softness in key indicators, and the playbook that works in cleaner markets often stalls here.

The investment case in 13616 is notable only for operators who understand what they are buying. A $224K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

Within NY, ZIP 13616 trails on several market indicators that neighboring Jefferson County submarkets outperform. The gap is real and solid enough to shape underwriting.

Who lives in 13616 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

New investors are better served looking at Calcium's stable or hybrid ZIPs before stepping into 13616. The learning curve here is expensive when the lesson is wrong.

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 Calcium:

C+ Average
Buy Confidence Score: 60/100
Affordability
10/25
Appreciation
22/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.9× the median income
Value Trend
Rising (+6.5%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,278/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
Watertown-Fort Drum, NY Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
10.6%
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 Watertown-Fort Drum, NY metro data

Market Trends

Home Value History (with trend line)

$234K$206K$178K$150K$123K$95KJul 2006Jul 2016Jul 2026

📊 How Does 13616 Compare?

Metric 13616 Calcium Watertown-Fort Drum, NY New York
Home Value $224,337 $224,337 N/A $505,608
5-Year CAGR 5.2% 5.2% N/A 6.6%
Avg Rent $1,278 $1,278 N/A -
Cap Rate 4.4% 4.4% - -
💡 Why Invest in 13616? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

71% of households rent in this area, creating consistent tenant demand for landlords.

📊 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 13616 (Calcium, NY). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.4%
Fair
5yr Growth
+5.2%
Moderate

📊 Market Snapshot

Home Value $224,337
Monthly Rent $1,278
Price-to-Rent 14.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.8%
Cap Rate 4.4%
5-Year IRR 9.7%

📈 Home Appreciation

1-Year +6.5% ▲
3-Year CAGR +4.1% ▲
5-Year CAGR +5.2% ▲
10-Year CAGR +4.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.4%). 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
0.0%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+5.2%
Stable
Eviction process: Slow Rent control: Unfavorable

Demographics in 13616

Population: 1,560

💰 Median Household Income
$45,921
This area
$45,921
State
$86,376
USA
$74,580
🏠 Renter Occupied
71.3%
This area
71.3%
State
26.4%
USA
34.0%
💼 Unemployment Rate
1.9%
This area
1.9%
State
-24.2%
USA
3.7%
🎓 College Educated
18.8%
This area
18.8%
State
4.2%
USA
33.7%
👤 Median Age
33.5 years
This area
33.5 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
0.0%
This area
0.0%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 70.3%
Black/African American 14.5%
Other/Mixed 10.2%
Asian 5.1%
Hispanic/Latino 3.0%
👶 Under 18
8.7%
This area
8.7%
USA
22.0%
👴 65 and Over
15.3%
This area
15.3%
USA
17.3%
📊 Poverty Rate
5.2%
This area
5.2%
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 13616

A+ Avg School Grade
1 Schools
12.1:1 Avg Class Size
$29,830 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

CALCIUM PRIMARY SCHOOL

📚 Pre-K – 03 Elementary
👥
540 Students
👨‍🏫
12.1:1 Class Size
💰
$29,830 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

2 Nearby 630 Off-Campus Students
C
Jefferson Community College
2,252 students · 4.4 mi
D
Jefferson Lewis BOCES-Practical Nursing Program
23 students · 6.7 mi

Investor Insight: With 630 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Is Calcium, NY a good market for buy-and-hold investors?

Our data puts Calcium, NY at 3.0/5 for investability. Home prices of $224K and rents around $1,278/mo create a solid backdrop for investor activity.

Do rentals sit vacant long in Calcium, NY?

Expect elevated vacancy in Calcium, NY. Rents at $1,278/mo are absorbed by the tenant base without meaningful lag.

What strategy should investors use in Calcium, NY?

Investors usually favor careful cash-flow rentals with hands-on management in Calcium, NY. With home values at $224K and rents near $1,278/mo, other strategies can work but produce stable rather than outsized returns.

How do landlord-tenant laws work in Calcium, NY?

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

Is housing expensive in Calcium, NY?

Calcium, NY home values average about $224K. That price point suits investors targeting rentals with $1,278/mo in monthly income.

You know 13616 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 13616 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 13616 ranks in Watertown-Fort Drum, NY

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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