Real Estate Investing in Ransomville, New York (14131)

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

Niagara County • Population: 5,339 • Data updated: September 2026

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Should you buy in 14131 (Ransomville, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (66/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 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
  • Elevated vacancy: 9.4% 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 Ransomville, NY (14131)?

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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 $300,450
Avg Monthly Rent $1,053
1% Rule ✗ Does Not Meet
Median Income $82,348
% Renters 12.8%

Market Analysis: 14131 Ransomville

The 14131 ZIP covers a section of Ransomville that demands careful diligence. Prices near $300K look accessible, but the work to make a deal cash flow is real.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $300K asset, 14131 is the wrong submarket. If the plan prices in friction, the yield can still work.

The gap between 14131 and stronger Ransomville ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Demographically, 14131 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

The 14131 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

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 Ransomville:

C+ Average
Buy Confidence Score: 69/100
Affordability
15/25
Appreciation
22/25
Stability
9/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.6× the median income
Value Trend
Rising (+9.4%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,053/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 14131

Which property type performs best in this market?

Best for Cash Flow
2BR
3.7% cap rate
Best for Appreciation
2BR
+7.5% 5yr CAGR
Best Overall Value
4BR
$80,206/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $229,114 $1,170 3.7% +7.5% $114,557
3BR $281,225 $1,430 3.7% +6.5% $93,742
4BR $320,823 $1,630 3.7% +7.2% $80,206

Market Trends

Home Value History (with trend line)

$315K$273K$232K$191K$150K$109KJul 2006Jul 2016Jul 2026

📊 How Does 14131 Compare?

Metric 14131 Ransomville Buffalo-Cheektowaga, NY New York
Home Value $300,450 $300,450 N/A $505,608
5-Year CAGR 5.6% 5.6% N/A 6.6%
Avg Rent $1,053 $1,053 N/A -
Cap Rate 2.7% 2.7% - -
💡 Why Invest in 14131? 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 →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 14131 (Ransomville, NY). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.7%
Low
5yr Growth
+5.6%
Moderate

📊 Market Snapshot

Home Value $300,450
Monthly Rent $1,053
Price-to-Rent 23.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.2%
Cap Rate 2.7%
5-Year IRR 8.3%

📈 Home Appreciation

1-Year +9.4% ▲
3-Year CAGR +5.6% ▲
5-Year CAGR +5.6% ▲
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: 2.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.7%). 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
9.4%
Moderate risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+5.6%
Stable
Eviction process: Slow Rent control: Unfavorable

Demographics in 14131

Population: 5,339

💰 Median Household Income
$82,348
This area
$82,348
State
$86,376
USA
$74,580
🏠 Renter Occupied
12.8%
This area
12.8%
State
26.4%
USA
34.0%
💼 Unemployment Rate
2.2%
This area
2.2%
State
-24.2%
USA
3.7%
🎓 College Educated
18.2%
This area
18.2%
State
4.2%
USA
33.7%
👤 Median Age
52.1 years
This area
52.1 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
9.4%
This area
9.4%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 93.7%
Other/Mixed 4.6%
Hispanic/Latino 3.4%
Black/African American 1.7%
👶 Under 18
16.9%
This area
16.9%
USA
22.0%
👴 65 and Over
20.1%
This area
20.1%
USA
17.3%
📊 Poverty Rate
4.6%
This area
4.6%
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

🎓 Nearby Colleges & Universities

3 Nearby 1,534 Off-Campus Students
C
Niagara County Community College
4,217 students · 6.2 mi
C+
Niagara University
4,221 students · 9.7 mi
D
Orleans Niagara BOCES-Practical Nursing Program
12 students · 11.4 mi

Investor Insight: With 1,534 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

How qualified is the tenant pool in Ransomville, NY?

The renter base in Ransomville, NY is reasonable for the $1,053/mo price point. Screening well and pricing to market typically yields predictable tenants.

What kind of market is Ransomville, NY for investors?

Yes - Ransomville, NY a 3.0/5 investability score. With $300K home prices against $1,053/mo monthly rent, the market delivers a reasonable entry point for new investors.

Are homes affordable in Ransomville, NY?

Median home price in Ransomville, NY is near $300K, with a 5-year CAGR of 0.0%. Prices have been measured and supportive of buy-and-hold strategies.

Is Ransomville, NY good for landlords?

NY law tenant-protective for landlords, and Ransomville inherits those rules. Investors should still review local ordinances for rental licensing.

Can I live-in-and-rent in Ransomville, NY?

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

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How 14131 ranks in Buffalo-Cheektowaga, NY

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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