Real Estate Investing in Hemlock, New York (14466)

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

Livingston County • Population: 1,656 • Data updated: September 2026

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Should you buy in 14466 (Hemlock, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (65/100)

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
  • High vacancy: 12.1% 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 Hemlock, NY (14466)?

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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 $298,558
Avg Monthly Rent $1,161
1% Rule ✗ Does Not Meet
Median Income $91,776
% Renters 4.6%

Market Analysis: 14466 Hemlock

On the rental side, ZIP 14466 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $299K median. It rewards specialists, not generalists.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $299K asset, 14466 is the wrong submarket. If the plan prices in friction, the yield can still work.

Within NY, ZIP 14466 trails on several market indicators that neighboring Livingston County submarkets outperform. The gap is real and solid enough to shape underwriting.

Employment concentration in 14466 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

Experienced landlords with local relationships tend to find 14466 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.

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 Hemlock:

B Good
Buy Confidence Score: 73/100
Affordability
20/25
Appreciation
25/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.3× the median income
Value Trend
Rising (+9.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,161/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Rochester, NY Metro Area
Seller-favorable conditions, steady activity
20 days
Average time to sell
Fast
7.3%
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 Rochester, NY metro data
🏠

Property Strategy for 14466

Which property type performs best in this market?

Best for Cash Flow
3BR
4.0% cap rate
Best for Appreciation
3BR
+8.9% 5yr CAGR
Best Overall Value
4BR
$82,542/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $239,354 $1,290 3.9% +7.9% $119,677
3BR $281,969 $1,550 4.0% +8.9% $93,990
4BR $330,170 $1,710 3.7% +8.9% $82,542

Market Trends

Home Value History (with trend line)

$312K$273K$234K$195K$157K$118KJul 2006Jul 2016Jul 2026

📊 How Does 14466 Compare?

Metric 14466 Hemlock Rochester, NY New York
Home Value $298,558 $298,558 N/A $505,608
5-Year CAGR 7.7% 7.7% N/A 6.6%
Avg Rent $1,161 $1,161 N/A -
Cap Rate 3.0% 3.0% - -
💡 Why Invest in 14466? Click to expand

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

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 14466 (Hemlock, NY). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.0%
Low
5yr Growth
+7.7%
Strong

📉 Market Crash Risk Index

Based on Rochester, NY metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
13%
Days Pending
0/2
20 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $298,558
Monthly Rent $1,161
Price-to-Rent 21.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.7%
Cap Rate 3.0%
5-Year IRR 10.8%

📈 Home Appreciation

1-Year +9.1% ▲
3-Year CAGR +6.2% ▲
5-Year CAGR +7.7% ▲
10-Year CAGR +7.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.0%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.0%). 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
12.1%
Moderate risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+7.7%
Growing
Eviction process: Slow Rent control: Unfavorable

Demographics in 14466

Population: 1,656

💰 Median Household Income
$91,776
This area
$91,776
State
$86,376
USA
$74,580
🏠 Renter Occupied
4.6%
This area
4.6%
State
26.4%
USA
34.0%
💼 Unemployment Rate
1.3%
This area
1.3%
State
-24.2%
USA
3.7%
🎓 College Educated
30.9%
This area
30.9%
State
4.2%
USA
33.7%
👤 Median Age
50.8 years
This area
50.8 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
12.1%
This area
12.1%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 98.5%
Hispanic/Latino 1.5%
Other/Mixed 1.5%
👶 Under 18
14.4%
This area
14.4%
USA
22.0%
👴 65 and Over
15.6%
This area
15.6%
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

🎓 Nearby Colleges & Universities

2 Nearby 3 Off-Campus Students
C+
Elim Bible Institute and College
98 students · 9.3 mi
B
SUNY College at Geneseo
3,928 students · 12.1 mi

Frequently Asked Questions

Are homes affordable in Hemlock, NY?

Hemlock, NY median home values land near $299K. That is reasonable territory for investors looking at $1,161/mo-per-month rentals.

Are tenants stable in Hemlock, NY?

Working renters make up the core of the Hemlock, NY tenant base. The pool is reasonable for investors targeting long-term holds.

Are landlord laws favorable in Hemlock, NY?

Hemlock, NY operates under NY law, which is tenant-protective overall for landlords. Expect steady treatment in typical lease and eviction cases.

Where do rents currently stand in Hemlock, NY?

The typical rental in Hemlock, NY commands about $1,161/mo monthly. That rent profile stable cash flow against the $299K purchase basis.

Is house hacking profitable in Hemlock, NY?

House hacking works a challenging in Hemlock, NY. Rents of $1,161/mo against $299K acquisition make the strategy solid for owner-occupants.

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How 14466 ranks in Rochester, NY

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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