Real Estate Investing in Guilford, New York (13780)

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

Chenango County • Population: 842 • Data updated: September 2026

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Should you buy in 13780 (Guilford, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (65/100)

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

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

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
2 flags
  • High vacancy: 33.2% 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 Guilford, NY (13780)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $167,586
Avg Monthly Rent $954
1% Rule ✗ Does Not Meet
Median Income $70,179
% Renters 9.6%

Market Analysis: 13780 Guilford

Stepping back, ZIP 13780 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $168K median. It rewards specialists, not generalists.

In practical terms, the numbers look inviting — $168K purchase price, 0.0% nominal cap — the work to hit that pro forma in 13780 is substantial and deserves full respect.

In the broader NY picture, 13780 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

The demographic picture in 13780 includes headwinds that any investor should price in. Income distribution skews lower than Guilford averages, and tenant stability requires active management.

Strategy in 13780 is an operator game, not a passive one. Meanwhile, entry prices of $168K are inviting, the management lift is real and non-optional.

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 Guilford:

B Good
Buy Confidence Score: 73/100
Affordability
25/25
Appreciation
18/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.4× the median income
Value Trend
Rising (+5.3%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $954/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.

Market Trends

Home Value History (with trend line)

$175K$158K$141K$124K$106K$89KJul 2006Jul 2016Jul 2026

📊 How Does 13780 Compare?

Metric 13780 Guilford New York
Home Value $167,586 $167,586 $505,608
5-Year CAGR 3.8% 3.8% 6.6%
Avg Rent $954 $954 -
Cap Rate 4.4% 4.4% -
💡 Why Invest in 13780? 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 13780 (Guilford, NY). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.4%
Fair
5yr Growth
+3.8%
Moderate

📊 Market Snapshot

Home Value $167,586
Monthly Rent $954
Price-to-Rent 14.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.8%
Cap Rate 4.4%
5-Year IRR 8.3%

📈 Home Appreciation

1-Year +5.3% ▲
3-Year CAGR +3.3% ▲
5-Year CAGR +3.8% ▲
10-Year CAGR +5.0% ▲

🏠 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
33.2%
Elevated risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+3.8%
Stable
Eviction process: Slow Rent control: Unfavorable

Demographics in 13780

Population: 842

💰 Median Household Income
$70,179
This area
$70,179
State
$86,376
USA
$74,580
🏠 Renter Occupied
9.6%
This area
9.6%
State
26.4%
USA
34.0%
💼 Unemployment Rate
2.3%
This area
2.3%
State
-24.2%
USA
3.7%
🎓 College Educated
18.9%
This area
18.9%
State
4.2%
USA
33.7%
👤 Median Age
45.5 years
This area
45.5 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
33.2%
This area
33.2%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 99.5%
Hispanic/Latino 0.5%
Other/Mixed 0.5%
👶 Under 18
32.8%
This area
32.8%
USA
22.0%
👴 65 and Over
5.7%
This area
5.7%
USA
17.3%
📊 Poverty Rate
10.0%
This area
10.0%
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 13780

A Avg School Grade
1 Schools
12.4:1 Avg Class Size
$25,096 Avg Per Pupil

Schools in This ZIP Code

A Very Good

GUILFORD ELEMENTARY SCHOOL

📚 Pre-K – 01 Elementary
👥
128 Students
👨‍🏫
12.4:1 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.

🎓 Nearby Colleges & Universities

1 Nearby 34 Off-Campus Students
C
Delaware Chenango Madison Otsego BOCES-Practical Nursing Program
34 students · 11.3 mi

Frequently Asked Questions

What is the rental occupancy rate in Guilford, NY?

Expect elevated vacancy in Guilford, NY. Rents at $954/mo are absorbed by the tenant base without meaningful lag.

What do landlords charge for rent in Guilford, NY?

The typical rental in Guilford, NY commands about $954/mo monthly. That rent profile consistent cash flow against the $168K purchase basis.

How much does a house cost in Guilford, NY?

The median home value in Guilford, NY is roughly $168K. That puts it reasonable relative to the NY statewide average.

How landlord-friendly is Guilford, NY?

NY law tenant-protective for landlords, and Guilford inherits those rules. Investors should still review local ordinances for rental licensing.

Which investment style suits Guilford, NY?

In Guilford, NY the resilient play is typically careful cash-flow rentals with hands-on management. The combination of $168K prices and $954/mo rents suits that approach.

You know 13780 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 13780 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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