Real Estate Investing in Otego, New York (13825)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 13825 (Otego, NY)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 18.9% 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 Otego, NY (13825)?
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Market Analysis: 13825 Otego
This part of Otsego County is not an easy win. The 13825 ZIP registers softness in key indicators, and the playbook that works in cleaner markets often stalls here.
Rent of $999/mo on a $232K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 13825 sits below the stated 0.0% once reality is priced in.
ZIP 13825's metrics run below Otsego County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
The 13825 ZIP's population of 2,785 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that comes in at the need for careful underwriting.
Distressed ZIPs reward experience. robust returns are possible in 13825, but they flow to investors who already understand how to operate in soft markets.
Here's what matters if you're considering buying a home in Otego:
Property Strategy for 13825
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $184,300 | $1,110 | 4.3% | +7.7% | $92,150 |
| 3BR | $214,848 | $1,330 | 4.5% | +7.3% | $71,616 |
| 4BR | $245,163 | $1,470 | 4.3% | +7.8% | $61,291 |
Market Trends
Home Value History (with trend line)
📊 How Does 13825 Compare?
| Metric | 13825 | Otego | Oneonta, NY | New York |
|---|---|---|---|---|
| Home Value | $231,602 | $231,602 | N/A | $505,608 |
| 5-Year CAGR | 7.0% | 7.0% | N/A | 6.6% |
| Avg Rent | $999 | $999 | N/A | - |
| Cap Rate | 3.4% | 3.4% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 13825 (Otego, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $231,602 |
| Monthly Rent | $999 |
| Price-to-Rent | 19.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.2% |
| Cap Rate | 3.4% |
| 5-Year IRR | 10.4% |
📈 Home Appreciation
| 1-Year | +8.5% ▲ |
| 3-Year CAGR | +6.2% ▲ |
| 5-Year CAGR | +7.0% ▲ |
| 10-Year CAGR | +6.2% ▲ |
🏠 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 (3.4%). 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.
Demographics in 13825
Population: 2,785
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 13825
Schools in This ZIP Code
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
Frequently Asked Questions
What is the typical home price in Otego, NY?
The median home value in Otego, NY is roughly $232K. That puts it reasonable relative to the NY statewide average.
How deep is the rental pool in Otego, NY?
Otego, NY draws a consistent base of working renters. Demand at the $999/mo rent level is reasonable for standard single-family and small multi rentals.
Do landlords face vacancy issues in Otego, NY?
Occupancy in Otego, NY runs predictable with elevated vacancy. Well-priced units at $999/mo lease on reasonable timelines.
Does Otego, NY favor landlords or tenants?
Otego, NY falls under NY landlord-tenant law, which is tenant-protective. That backdrop makes day-to-day property management reasonable.
Should investors consider Otego, NY?
Otego, NY registers an investability rating of 3.0/5, with median home values near $232K and average rents around $999/mo. That combination puts it in the substantial tier for investor interest.
You know 13825 now. You don’t know where it ranks.
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How 13825 ranks in Oneonta, NY
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