Real Estate Investing in Yorkshire, New York (14173)

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

Cattaraugus County • Population: 183 • Data updated: September 2026

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Should you buy in 14173 (Yorkshire, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (51/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
WEAK
2.0 / 5 (33/100)

Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.

⚠️ Risks to Know
2 flags
  • High vacancy: 25.9% of homes vacant — above national norms.
  • 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 Yorkshire, NY (14173)?

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2.0/ 5

Investability

Overall investment appeal

0.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $186,381
Avg Monthly Rent $945
1% Rule ✗ Does Not Meet
Median Income $93,306
% Renters 0.0%

Market Analysis: 14173 Yorkshire

Not every below-median market is a bargain. Yorkshire's 14173 ZIP clocks in at signals that favor experienced operators who can absorb the risk $186K pricing implies.

Looking more closely, the numbers look inviting — $186K purchase price, 0.0% nominal cap — the work to hit that pro forma in 14173 is substantial and deserves full respect.

In the broader NY picture, 14173 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

Turning to rents, 183 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.

The 14173 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 Yorkshire:

B+ Great
Buy Confidence Score: 78/100
Affordability
25/25
Appreciation
25/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2× the median income
Value Trend
Rising (+10.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $945/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: This area shows favorable conditions for homebuyers. Solid fundamentals with reasonable affordability.
☀️
WARM MARKET
Olean, NY Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
7.7%
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 Olean, NY metro data

Market Trends

Home Value History (with trend line)

$191K$184K$177K$170K$163K$156KDec 2023Apr 2025Jul 2026

📊 How Does 14173 Compare?

Metric 14173 Yorkshire Olean, NY New York
Home Value $186,381 $186,381 N/A $505,608
5-Year CAGR N/A N/A N/A 6.6%
Avg Rent $945 $945 N/A -
Cap Rate 4.0% 4.0% - -
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 14173 (Yorkshire, NY). Anonymous, moderated, never written by AI.

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Investability
Fair
Cap Rate
4.0%
Low

📉 Market Crash Risk Index

Based on Olean, NY metro

2/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
65%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $186,381
Monthly Rent $945
Price-to-Rent 16.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.1%
Cap Rate 4.0%
5-Year IRR 14.6%

📈 Home Appreciation

1-Year +10.6% ▲
3-Year CAGR N/A
5-Year CAGR N/A
10-Year CAGR N/A

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.0%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.0%). 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
25.9%
Elevated risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
N/A
Stable
Eviction process: Slow Rent control: Unfavorable

Demographics in 14173

Population: 183

💰 Median Household Income
$93,306
This area
$93,306
State
$86,376
USA
$74,580
🏠 Renter Occupied
0.0%
This area
0.0%
State
26.4%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-24.2%
USA
3.7%
🎓 College Educated
0.0%
This area
0.0%
State
4.2%
USA
33.7%
👤 Median Age
51.5 years
This area
51.5 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
25.9%
This area
25.9%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 80.3%
Hispanic/Latino 19.7%
Other/Mixed 19.7%
👶 Under 18
37.8%
This area
37.8%
USA
22.0%
👴 65 and Over
4.3%
This area
4.3%
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 14173

A+ Avg School Grade
2 Schools
9.2:1 Avg Class Size
$33,375 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

PIONEER MIDDLE SCHOOL

📚 05 – 08 School
👥
649 Students
👨‍🏫
8.9:1 Class Size
💰
$33,375 Per Student
A+ Excellent

PIONEER SENIOR HIGH SCHOOL

📚 09 – 12 High School
👥
684 Students
👨‍🏫
9.6:1 Class Size
💰
$33,375 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.

Frequently Asked Questions

Is housing expensive in Yorkshire, NY?

Yorkshire, NY median home values land near $186K. That is reasonable territory for investors looking at $945/mo-per-month rentals.

How strong is the working-renter base in Yorkshire, NY?

The renter base in Yorkshire, NY is reasonable for the $945/mo price point. Screening well and pricing to market typically yields steady tenants.

What are rental rates like in Yorkshire, NY?

Average rent in Yorkshire, NY is approximately $945/mo per month. Against $186K home values that yields a reasonable rent-to-price ratio.

Is rental property easy to operate in Yorkshire, NY?

Landlord-friendliness in Yorkshire, NY is tenant-protective. Eviction timelines and lease enforcement are considered reasonable by most property managers.

How tight is the rental market in Yorkshire, NY?

Yorkshire, NY carries elevated vacancy risk. Expect consistent absorption at market rents of $945/mo.

You know 14173 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 14173 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 14173 ranks in Olean, NY

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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