Real Estate Investing in Mount Upton, New York (13809)
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Should you buy in 13809 (Mount Upton, 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: 17.3% 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.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Mount Upton, NY (13809)?
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Market Analysis: 13809 Mount Upton
In practical terms, ZIP 13809 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $160K median. It rewards specialists, not generalists.
Distressed markets are won on execution, not on spreadsheets. ZIP 13809 comes in at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
Regionally, 13809 sits on the difficult end of the NY spectrum. The worth a close look for read — for disciplined operators — is that pricing reflects the difficulty.
Employment concentration in 13809 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
The right play in 13809 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.
Here's what matters if you're considering buying a home in Mount Upton:
Property Strategy for 13809
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $139,243 | $1,200 | 6.2% | +5.4% | $69,622 |
| 3BR | $154,265 | $1,580 | 7.4% | +3.9% | $51,422 |
| 4BR | $166,317 | $1,740 | 7.5% | +6.4% | $41,579 |
Market Trends
Home Value History (with trend line)
📊 How Does 13809 Compare?
| Metric | 13809 | Mount Upton | Oneonta, NY | New York |
|---|---|---|---|---|
| Home Value | $159,549 | $159,549 | N/A | $505,608 |
| 5-Year CAGR | 4.0% | 4.0% | N/A | 6.6% |
| Avg Rent | $1,080 | $1,080 | N/A | - |
| Cap Rate | 5.3% | 5.3% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 13809 (Mount Upton, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $159,549 |
| Monthly Rent | $1,080 |
| Price-to-Rent | 12.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 8.1% |
| Cap Rate | 5.3% |
| 5-Year IRR | 9.2% |
📈 Home Appreciation
| 1-Year | +7.3% ▲ |
| 3-Year CAGR | +3.1% ▲ |
| 5-Year CAGR | +4.0% ▲ |
| 10-Year CAGR | +5.7% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.3%). 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.
Demographics in 13809
Population: 1,688
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
🎓 Nearby Colleges & Universities
Frequently Asked Questions
Is real estate in Mount Upton, NY a good investment right now?
The 3.0/5 investability rating in Mount Upton, NY reflects its $160K prices and $1,080/mo rents. Investors generally consider it a solid option within NY.
Does Mount Upton, NY favor landlords or tenants?
The landlord environment in Mount Upton, NY is tenant-protective. Statewide rules shape most day-to-day operations for rental owners.
What do rentals go for in Mount Upton, NY?
The typical rental in Mount Upton, NY commands about $1,080/mo monthly. That rent profile even-keeled cash flow against the $160K purchase basis.
Can I house hack in Mount Upton, NY?
House hacking works a challenging in Mount Upton, NY. Rents of $1,080/mo against $160K acquisition make the strategy solid for owner-occupants.
What is the typical vacancy rate in Mount Upton, NY?
Vacancy in Mount Upton, NY is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,080/mo.
You know 13809 now. You don’t know where it ranks.
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How 13809 ranks in Oneonta, NY
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