Real Estate Investing in West Oneonta, New York (13861)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 13861 (West Oneonta, NY)? Our answer, based on the numbers below.
Solid choice — values are growing steadily and the market is stable enough to buy with confidence.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- 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 West Oneonta, NY (13861)?
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Market Analysis: 13861 West Oneonta
On the rental side, ZIP 13861 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $231K median. It rewards specialists, not generalists.
Distressed markets are won on execution, not on spreadsheets. ZIP 13861 records the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
Within NY, ZIP 13861 trails on several market indicators that neighboring Otsego County submarkets outperform. The gap is real and significant enough to shape underwriting.
Meanwhile, 450 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.
New investors are better served looking at West Oneonta's stable or hybrid ZIPs before stepping into 13861. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in West Oneonta:
Market Trends
Home Value History (with trend line)
📊 How Does 13861 Compare?
| Metric | 13861 | West Oneonta | Oneonta, NY | New York |
|---|---|---|---|---|
| Home Value | $231,033 | $231,033 | N/A | $505,608 |
| 5-Year CAGR | 7.5% | 7.5% | N/A | 6.6% |
| Avg Rent | $1,071 | $1,071 | N/A | - |
| Cap Rate | 3.6% | 3.6% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 13861 (West Oneonta, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $231,033 |
| Monthly Rent | $1,071 |
| Price-to-Rent | 18.0:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.6% |
| Cap Rate | 3.6% |
| 5-Year IRR | 11.1% |
📈 Home Appreciation
| 1-Year | +11.3% ▲ |
| 3-Year CAGR | +6.3% ▲ |
| 5-Year CAGR | +7.5% ▲ |
| 10-Year CAGR | +6.5% ▲ |
🏠 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 (3.6%). 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 13861
Population: 450
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
Do landlords face vacancy issues in West Oneonta, NY?
Vacancy in West Oneonta, NY is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,071/mo.
Is West Oneonta in NY worth investing in?
The 3.0/5 investability rating in West Oneonta, NY reflects its $231K prices and $1,071/mo rents. Investors generally consider it a solid option within NY.
What is the renter demographic in West Oneonta, NY?
The tenant pool in West Oneonta, NY is solid, supported by local employment and population fundamentals. Rents of $1,071/mo are well-absorbed by the market.
Is NY a landlord-friendly state?
West Oneonta, NY falls under NY landlord-tenant law, which is tenant-protective. That backdrop makes day-to-day property management reasonable.
What price range are homes in West Oneonta, NY?
Typical homes in West Oneonta, NY go for around $231K. The 5-year CAGR of 0.0% stable price movement.
You know 13861 now. You don’t know where it ranks.
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How 13861 ranks in Oneonta, NY
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