Real Estate Investing in Silver Creek, New York (14136)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 14136 (Silver Creek, 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.
- High vacancy: 15.7% 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 Silver Creek, NY (14136)?
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Market Analysis: 14136 Silver Creek
Meanwhile, ZIP 14136 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $198K median. It rewards specialists, not generalists.
For an experienced owner, 14136 can be a a credible choice for hunting ground — but the discount at $198K reflects genuine risk that outside investors often underestimate.
Nearby ZIPs in Silver Creek have seen price recovery that 14136 has not matched. Chautauqua County data supports the view that the spread is structural rather than temporary.
Who lives in 14136 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
Strategy in 14136 is an operator game, not a passive one. In practical terms, entry prices of $198K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Silver Creek:
Property Strategy for 14136
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $162,428 | $1,100 | 4.9% | +10.1% | $81,214 |
| 3BR | $184,974 | $1,450 | 5.6% | +9.4% | $61,658 |
| 4BR | $204,328 | $1,460 | 5.1% | +9.4% | $51,082 |
| 5BR | $234,928 | — | — | — | $46,986 |
Market Trends
Home Value History (with trend line)
📊 How Does 14136 Compare?
| Metric | 14136 | Silver Creek | Jamestown-Dunkirk-Fredonia, NY | New York |
|---|---|---|---|---|
| Home Value | $198,251 | $198,251 | N/A | $505,608 |
| 5-Year CAGR | 7.6% | 7.6% | N/A | 6.6% |
| Avg Rent | $990 | $990 | N/A | - |
| Cap Rate | 3.9% | 3.9% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 14136 (Silver Creek, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $198,251 |
| Monthly Rent | $990 |
| Price-to-Rent | 16.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.0% |
| Cap Rate | 3.9% |
| 5-Year IRR | 11.5% |
📈 Home Appreciation
| 1-Year | +7.0% ▲ |
| 3-Year CAGR | +5.7% ▲ |
| 5-Year CAGR | +7.6% ▲ |
| 10-Year CAGR | +8.2% ▲ |
🏠 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 (3.9%). 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 14136
Population: 5,274
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 14136
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
Which real estate strategy fits Silver Creek, NY?
For Silver Creek, NY, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.
Does Silver Creek, NY favor landlords or tenants?
For rental operators, Silver Creek, NY rates as tenant-protective. The regulatory environment standard buy-and-hold operations.
What do landlords charge for rent in Silver Creek, NY?
Investors in Silver Creek, NY typically see rents near $990/mo per month against $198K home values - a solid setup for rental cash flow.
What kind of vacancy should I budget for in Silver Creek, NY?
Rental vacancy in Silver Creek, NY is elevated. Investors should budget normal turnover but not chronic empty units.
Is house hacking profitable in Silver Creek, NY?
For house hackers, Silver Creek, NY is a challenging. The $990/mo rent on a unit helps defray the mortgage on a $198K property.
You know 14136 now. You don’t know where it ranks.
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How 14136 ranks in Jamestown-Dunkirk-Fredonia, NY
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