Real Estate Investing in Natural Bridge, New York (13665)

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

Lewis County • Population: 686 • Data updated: September 2026

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Should you buy in 13665 (Natural Bridge, 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
2 flags
  • High vacancy: 14.9% of homes vacant — above national norms.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.

• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Natural Bridge, NY (13665)?

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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 $166,818
Avg Monthly Rent $1,044
1% Rule ✗ Does Not Meet
Median Income $74,423
% Renters 1.0%

Market Analysis: 13665 Natural Bridge

The 13665 ZIP covers a section of Natural Bridge that demands careful diligence. Prices near $167K look accessible, but the work to make a deal cash flow is real.

Rent of $1,044/mo on a $167K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 13665 sits below the stated 0.0% once reality is priced in.

In the broader NY picture, 13665 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

On the rental side, 686 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.

New investors are better served looking at Natural Bridge's stable or hybrid ZIPs before stepping into 13665. 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 Natural Bridge:

B Good
Buy Confidence Score: 75/100
Affordability
25/25
Appreciation
22/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.2× the median income
Value Trend
Rising (+5.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,044/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)

$174K$152K$131K$109K$87K$65KJul 2006Jul 2016Jul 2026

📊 How Does 13665 Compare?

Metric 13665 Natural Bridge Watertown-Fort Drum, NY New York
Home Value $166,818 $166,818 N/A $505,608
5-Year CAGR 5.9% 5.9% N/A 6.6%
Avg Rent $1,044 $1,044 N/A -
Cap Rate 4.9% 4.9% - -
💡 Why Invest in 13665? Click to expand

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

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 13665 (Natural Bridge, NY). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.9%
Fair
5yr Growth
+5.9%
Moderate

📊 Market Snapshot

Home Value $166,818
Monthly Rent $1,044
Price-to-Rent 13.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 7.5%
Cap Rate 4.9%
5-Year IRR 10.8%

📈 Home Appreciation

1-Year +5.0% ▲
3-Year CAGR +5.2% ▲
5-Year CAGR +5.9% ▲
10-Year CAGR +5.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.9%). 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.

Vacancy
14.9%
Moderate risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+5.9%
Stable
Eviction process: Slow Rent control: Unfavorable

Demographics in 13665

Population: 686

💰 Median Household Income
$74,423
This area
$74,423
State
$86,376
USA
$74,580
🏠 Renter Occupied
1.0%
This area
1.0%
State
26.4%
USA
34.0%
💼 Unemployment Rate
1.0%
This area
1.0%
State
-24.2%
USA
3.7%
🎓 College Educated
9.3%
This area
9.3%
State
4.2%
USA
33.7%
👤 Median Age
48.7 years
This area
48.7 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
14.9%
This area
14.9%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 97.7%
Black/African American 2.3%
👶 Under 18
19.5%
This area
19.5%
USA
22.0%
👴 65 and Over
12.9%
This area
12.9%
USA
17.3%
📊 Poverty Rate
8.5%
This area
8.5%
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

Frequently Asked Questions

What is the renter demographic in Natural Bridge, NY?

The renter base in Natural Bridge, NY is reasonable for the $1,044/mo price point. Screening well and pricing to market typically yields even-keeled tenants.

Should investors consider Natural Bridge, NY?

Yes - Natural Bridge, NY a 3.0/5 investability score. With $167K home prices against $1,044/mo monthly rent, the market delivers a reasonable entry point for new investors.

What is the median home value in Natural Bridge, NY?

Natural Bridge, NY home values average about $167K. That price point suits investors targeting rentals with $1,044/mo in monthly income.

What do landlords charge for rent in Natural Bridge, NY?

The typical rental in Natural Bridge, NY commands about $1,044/mo monthly. That rent profile even-keeled cash flow against the $167K purchase basis.

Is Natural Bridge, NY good for landlords?

Rental owners in Natural Bridge, NY deal with a tenant-protective legal framework. Most standard eviction processes run on reasonable timelines.

You know 13665 now. You don’t know where it ranks.

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How 13665 ranks in Watertown-Fort Drum, NY

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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