Real Estate Investing in Bainbridge, New York (13733)

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

Chenango County • Population: 5,265 • Data updated: September 2026

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Should you buy in 13733 (Bainbridge, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (64/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 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: 15.1% 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 Bainbridge, NY (13733)?

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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 $175,966
Avg Monthly Rent $963
1% Rule ✗ Does Not Meet
Median Income $56,841
% Renters 14.6%

Market Analysis: 13733 Bainbridge

Investors eyeing 13733 need to respect the fundamentals at play. Home values of $176K come alongside slower price movement and elevated management overhead.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $176K asset, 13733 is the wrong submarket. If the plan prices in friction, the yield can still work.

Nearby ZIPs in Bainbridge have seen price recovery that 13733 has not matched. Chenango County data supports the view that the spread is structural rather than temporary.

Who lives in 13733 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

Strategically, 13733 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.

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 Bainbridge:

B Good
Buy Confidence Score: 74/100
Affordability
20/25
Appreciation
22/25
Stability
9/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.1× the median income
Value Trend
Rising (+8.3%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $963/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
🏠

Property Strategy for 13733

Which property type performs best in this market?

Best for Cash Flow
3BR
5.7% cap rate
Best for Appreciation
5BR
+7.6% 5yr CAGR
Best Overall Value
5BR
$40,678/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $136,580 $1,070 5.6% +6.5% $68,290
3BR $168,360 $1,330 5.7% +7.4% $56,120
4BR $194,956 $1,460 5.4% +7.1% $48,739
5BR $203,391 +7.6% $40,678

Market Trends

Home Value History (with trend line)

$183K$163K$144K$124K$104K$84KJul 2006Jul 2016Jul 2026

📊 How Does 13733 Compare?

Metric 13733 Bainbridge New York
Home Value $175,966 $175,966 $505,608
5-Year CAGR 6.2% 6.2% 6.6%
Avg Rent $963 $963 -
Cap Rate 4.3% 4.3% -
💡 Why Invest in 13733? Click to expand

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

📊 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 13733 (Bainbridge, NY). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.3%
Fair
5yr Growth
+6.2%
Strong

📊 Market Snapshot

Home Value $175,966
Monthly Rent $963
Price-to-Rent 15.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.6%
Cap Rate 4.3%
5-Year IRR 10.4%

📈 Home Appreciation

1-Year +8.3% ▲
3-Year CAGR +5.7% ▲
5-Year CAGR +6.2% ▲
10-Year CAGR +6.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.3%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.3%). 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
15.1%
Elevated risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+6.2%
Growing
Eviction process: Slow Rent control: Unfavorable

Demographics in 13733

Population: 5,265

💰 Median Household Income
$56,841
This area
$56,841
State
$86,376
USA
$74,580
🏠 Renter Occupied
14.6%
This area
14.6%
State
26.4%
USA
34.0%
💼 Unemployment Rate
2.8%
This area
2.8%
State
-24.2%
USA
3.7%
🎓 College Educated
20.1%
This area
20.1%
State
4.2%
USA
33.7%
👤 Median Age
50.8 years
This area
50.8 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
15.1%
This area
15.1%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 95.6%
Other/Mixed 3.1%
Black/African American 0.8%
Asian 0.6%
Hispanic/Latino 0.5%
👶 Under 18
17.9%
This area
17.9%
USA
22.0%
👴 65 and Over
21.7%
This area
21.7%
USA
17.3%
📊 Poverty Rate
3.8%
This area
3.8%
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 13733

A+ Avg School Grade
2 Schools
12.7:1 Avg Class Size
$25,096 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

BAINBRIDGE-GUILFORD HIGH SCHOOL

📚 07 – 12 High School
👥
350 Students
👨‍🏫
12.5:1 Class Size
💰
$25,096 Per Student
A+ Excellent

GREENLAWN ELEMENTARY SCHOOL

📚 02 – 06 School
👥
281 Students
👨‍🏫
13.0:1 Class Size
💰
$25,096 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.

Frequently Asked Questions

What is the average monthly rent in Bainbridge, NY?

The typical rental in Bainbridge, NY commands about $963/mo monthly. That rent profile reliable cash flow against the $176K purchase basis.

Can I live-in-and-rent in Bainbridge, NY?

Bainbridge, NY is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $176K price point reasonable to enter.

Is Bainbridge, NY a good place for real estate investing?

With a 3.0/5 investability score, Bainbridge, NY ranks as a solid market for rental property investors. Median prices of $176K and rents of $963/mo drive the underlying numbers.

What real estate strategy is ideal for Bainbridge, NY?

The best-fit strategy in Bainbridge, NY is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.

Are there empty rentals in Bainbridge, NY?

Bainbridge, NY carries elevated vacancy risk. Expect consistent absorption at market rents of $963/mo.

You know 13733 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 13733 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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