Real Estate Investing in Oswegatchie, New York (13670)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 13670 (Oswegatchie, NY)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- High vacancy: 59.5% of homes vacant — above national norms.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
- Higher unemployment: 9.3% unemployment — tenant risk signal.
- Lower household income: $31,971 median — tenant affordability is tighter.
• 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 Oswegatchie, NY (13670)?
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Market Analysis: 13670 Oswegatchie
This part of Saint Lawrence County is not an easy win. The 13670 ZIP comes in at softness in key indicators, and the playbook that works in cleaner markets often stalls here.
For an experienced owner, 13670 can be a a credible choice for hunting ground — but the discount at $109K reflects genuine risk that outside investors often underestimate.
Statewide comparisons place 13670 among NY's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.
The 13670 ZIP's population of 382 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that reports the need for careful underwriting.
New investors are better served looking at Oswegatchie's stable or hybrid ZIPs before stepping into 13670. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Oswegatchie:
Market Trends
Home Value History (with trend line)
📊 How Does 13670 Compare?
| Metric | 13670 | Oswegatchie | Ogdensburg-Massena, NY | New York |
|---|---|---|---|---|
| Home Value | $109,207 | $109,207 | N/A | $505,608 |
| 5-Year CAGR | 3.5% | 3.5% | N/A | 6.6% |
| Avg Rent | $945 | $945 | N/A | - |
| Cap Rate | 6.8% | 6.8% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 13670 (Oswegatchie, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $109,207 |
| Monthly Rent | $945 |
| Price-to-Rent | 9.6:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 10.4% |
| Cap Rate | 6.8% |
| 5-Year IRR | 10.3% |
📈 Home Appreciation
| 1-Year | +9.8% ▲ |
| 3-Year CAGR | +4.7% ▲ |
| 5-Year CAGR | +3.5% ▲ |
| 10-Year CAGR | +5.6% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) is close to the estimated cap rate (6.8%). Financing this market at current rates produces a cash-on-cash return near the cap rate. Appreciation and tax benefits may still support the investment.
⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 13670
Population: 382
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
How does Oswegatchie, NY rate as a rental market?
Our data puts Oswegatchie, NY at 3.0/5 for investability. Home prices of $109K and rents around $945/mo create a solid backdrop for investor activity.
How strict are landlord regulations in Oswegatchie, NY?
For rental operators, Oswegatchie, NY rates as tenant-protective. The regulatory environment standard buy-and-hold operations.
What are vacancy rates like in Oswegatchie, NY?
Oswegatchie, NY carries elevated vacancy risk. Expect steady absorption at market rents of $945/mo.
Is Oswegatchie, NY suited for a house hack?
House hacking works a challenging in Oswegatchie, NY. Rents of $945/mo against $109K acquisition make the strategy solid for owner-occupants.
What are rental rates like in Oswegatchie, NY?
Rents in Oswegatchie, NY run near $945/mo. Compared with median home prices of $109K that produces solid gross yields for typical rentals.
You know 13670 now. You don’t know where it ranks.
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How 13670 ranks in Ogdensburg-Massena, NY
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