Real Estate Investing in Elba, New York (14058)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 14058 (Elba, NY)? Our answer, based on the numbers below.
Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- Elevated vacancy: 9.2% vacancy may signal weakening demand.
- 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 Elba, NY (14058)?
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Market Analysis: 14058 Elba
This part of Genesee County is not an easy win. The 14058 ZIP sits at softness in key indicators, and the playbook that works in cleaner markets often stalls here.
The investment case in 14058 is notable only for operators who understand what they are buying. A $209K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
In the broader NY picture, 14058 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.
Employment concentration in 14058 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
Distressed ZIPs reward experience. notable returns are possible in 14058, 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 Elba:
Property Strategy for 14058
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $145,677 | $1,290 | 6.4% | +6.4% | $72,839 |
| 3BR | $198,680 | $1,550 | 5.6% | +6.5% | $66,227 |
| 4BR | $215,250 | $1,710 | 5.7% | +6.3% | $53,813 |
Market Trends
Home Value History (with trend line)
📊 How Does 14058 Compare?
| Metric | 14058 | Elba | Batavia, NY | New York |
|---|---|---|---|---|
| Home Value | $209,132 | $209,132 | N/A | $505,608 |
| 5-Year CAGR | 4.6% | 4.6% | N/A | 6.6% |
| Avg Rent | $1,161 | $1,161 | N/A | - |
| Cap Rate | 4.3% | 4.3% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 14058 (Elba, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $209,132 |
| Monthly Rent | $1,161 |
| Price-to-Rent | 15.0:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.7% |
| Cap Rate | 4.3% |
| 5-Year IRR | 9.0% |
📈 Home Appreciation
| 1-Year | +6.5% ▲ |
| 3-Year CAGR | +4.9% ▲ |
| 5-Year CAGR | +4.6% ▲ |
| 10-Year CAGR | +6.7% ▲ |
🏠 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 (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.
Demographics in 14058
Population: 2,649
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 14058
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
Investor Insight: With 3,837 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
How strong is the working-renter base in Elba, NY?
Elba, NY offers a even-keeled renter base at the $1,161/mo rent level. Tenant turnover is reasonable for well-managed properties.
How strict are landlord regulations in Elba, NY?
For rental operators, Elba, NY rates as tenant-protective. The regulatory environment standard buy-and-hold operations.
Where do home prices stand in Elba, NY?
Expect median prices around $209K in Elba, NY. The market has run at a 0.0% 5-year CAGR, so entry costs have been stable.
Is Elba, NY a good market for FHA house hackers?
House hacking in Elba, NY is a challenging. With home values around $209K and rents at $1,161/mo, owner-occupants can offset a meaningful share of PITI.
Are there empty rentals in Elba, NY?
Vacancy risk in Elba, NY is elevated. That supports reliable cash flow for typical rental holds.
You know 14058 now. You don’t know where it ranks.
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How 14058 ranks in Batavia, NY
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