Real Estate Investing in Marilla, New York (14102)

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

Erie County • Population: 1,894 • Data updated: September 2026

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Should you buy in 14102 (Marilla, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (72/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
2 flags
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
  • High price-to-rent: Price-to-rent ratio 28.0 — hard to cash-flow at these prices.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Marilla, NY (14102)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $402,084
Avg Monthly Rent $1,197
1% Rule ✗ Does Not Meet
Median Income $118,258
% Renters 5.9%

Market Analysis: 14102 Marilla

Investors eyeing 14102 need to respect the fundamentals at play. Home values of $402K come alongside slower price movement and elevated management overhead.

Rent of $1,197/mo on a $402K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 14102 sits below the stated 0.0% once reality is priced in.

Statewide comparisons place 14102 among NY's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

The demographic picture in 14102 includes headwinds that any investor should price in. Income distribution skews lower than Marilla averages, and tenant stability requires active management.

appears to the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.

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 Marilla:

B Good
Buy Confidence Score: 72/100
Affordability
20/25
Appreciation
22/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.4× the median income
Value Trend
Rising (+8.4%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,197/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.
⚖️
BALANCED MARKET
Buffalo-Cheektowaga, NY Metro Area
Even conditions for buyers and sellers
24 days
Average time to sell
Fast
8.6%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Buffalo-Cheektowaga, NY metro data
🏠

Property Strategy for 14102

Which property type performs best in this market?

Best for Cash Flow
3BR
3.3% cap rate
Best for Appreciation
3BR
+7.7% 5yr CAGR
Best Overall Value
4BR
$111,172/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
3BR $356,092 $1,630 3.3% +7.7% $118,697
4BR $444,688 $1,850 3.0% +7.6% $111,172

Market Trends

Home Value History (with trend line)

$421K$367K$313K$259K$205K$151KJul 2006Jul 2016Jul 2026

📊 How Does 14102 Compare?

Metric 14102 Marilla Buffalo-Cheektowaga, NY New York
Home Value $402,084 $402,084 N/A $505,608
5-Year CAGR 6.4% 6.4% N/A 6.6%
Avg Rent $1,197 $1,197 N/A -
Cap Rate 2.3% 2.3% - -
💡 Why Invest in 14102? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 14102 (Marilla, NY). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.3%
Low
5yr Growth
+6.4%
Strong

📊 Market Snapshot

Home Value $402,084
Monthly Rent $1,197
Price-to-Rent 28.0:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.6%
Cap Rate 2.3%
5-Year IRR 8.7%

📈 Home Appreciation

1-Year +8.4% ▲
3-Year CAGR +5.1% ▲
5-Year CAGR +6.4% ▲
10-Year CAGR +7.0% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.3%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.3%). 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.

Vacancy
0.0%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+6.4%
Growing
Eviction process: Slow Rent control: Unfavorable

Demographics in 14102

Population: 1,894

💰 Median Household Income
$118,258
This area
$118,258
State
$86,376
USA
$74,580
🏠 Renter Occupied
5.9%
This area
5.9%
State
26.4%
USA
34.0%
💼 Unemployment Rate
2.6%
This area
2.6%
State
-24.2%
USA
3.7%
🎓 College Educated
38.0%
This area
38.0%
State
4.2%
USA
33.7%
👤 Median Age
45.3 years
This area
45.3 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
0.0%
This area
0.0%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 95.3%
Other/Mixed 4.7%
Hispanic/Latino 3.0%
👶 Under 18
19.6%
This area
19.6%
USA
22.0%
👴 65 and Over
13.6%
This area
13.6%
USA
17.3%
📊 Poverty Rate
0.0%
This area
0.0%
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 14102

A Avg School Grade
1 Schools
15.5:1 Avg Class Size
$28,619 Avg Per Pupil

Schools in This ZIP Code

A Very Good

MARILLA PRIMARY SCHOOL

📚 Pre-K – 04 Elementary
👥
216 Students
👨‍🏫
15.5:1 Class Size
💰
$28,619 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

8 Nearby 312 Off-Campus Students
C
Continental School of Beauty Culture-West Seneca
67 students · 10.2 mi
D
Empire Beauty School-Buffalo
78 students · 11.1 mi
D
Bryant & Stratton College-Online
9,418 students · 11.5 mi
C+
New York Institute of Massage Inc
38 students · 11.7 mi
C
Erie 1 BOCES
312 students · 11.7 mi
C+
Leon Studio One School of Beauty Knowledge
29 students · 12.9 mi
D
Trocaire College
1,104 students · 13.1 mi
D
Villa Maria College
545 students · 13.2 mi

Frequently Asked Questions

Is Marilla, NY a good place for real estate investing?

Investors tracking Marilla, NY will find a 3.0/5 rating supported by $402K median home values and $1,197/mo rents. That profile suits long-term holders targeting measured returns.

How viable is house hacking in Marilla, NY?

The a challenging house-hack environment in Marilla, NY reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.

What do landlords charge for rent in Marilla, NY?

Rents in Marilla, NY run near $1,197/mo. Compared with median home prices of $402K that produces solid gross yields for typical rentals.

How should investors approach Marilla, NY?

For Marilla, NY, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.

How tight is the rental market in Marilla, NY?

Rental vacancy in Marilla, NY is elevated. Investors should budget normal turnover but not chronic empty units.

You know 14102 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 14102 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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How 14102 ranks in Buffalo-Cheektowaga, NY

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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