Real Estate Investing in Bloomfield, New York (14469)

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

Ontario County • Population: 5,789 • Data updated: September 2026

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Should you buy in 14469 (Bloomfield, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (63/100)

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: 11.2% 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 Bloomfield, NY (14469)?

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3.0/ 5

Investability

Overall investment appeal

4.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $331,920
Avg Monthly Rent $1,161
1% Rule ✗ Does Not Meet
Median Income $68,472
% Renters 16.5%

Market Analysis: 14469 Bloomfield

This part of Ontario County is not an easy win. The 14469 ZIP comes in at softness in key indicators, and the playbook that works in cleaner markets often stalls here.

Rent of $1,161/mo on a $332K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 14469 sits below the stated 0.0% once reality is priced in.

Turning to rents, 14469 offers a low basis, the region around Bloomfield has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

The 14469 ZIP's population of 5,789 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that registers the need for careful underwriting.

New investors are better served looking at Bloomfield's stable or hybrid ZIPs before stepping into 14469. The learning curve here is expensive when the lesson is wrong.

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 Bloomfield:

C+ Average
Buy Confidence Score: 65/100
Affordability
10/25
Appreciation
25/25
Stability
9/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.8× the median income
Value Trend
Rising (+8.5%)
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 14469

Which property type performs best in this market?

Best for Cash Flow
2BR
3.7% cap rate
Best for Appreciation
4BR
+10.2% 5yr CAGR
Best Overall Value
5BR
$80,557/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $250,968 $1,290 3.7% +9.7% $125,484
3BR $308,093 $1,550 3.6% +9.6% $102,698
4BR $360,110 $1,710 3.4% +10.2% $90,027
5BR $402,783 +9.6% $80,557

Market Trends

Home Value History (with trend line)

$348K$301K$255K$208K$161K$114KJul 2006Jul 2016Jul 2026

📊 How Does 14469 Compare?

Metric 14469 Bloomfield Rochester, NY New York
Home Value $331,920 $331,920 N/A $505,608
5-Year CAGR 8.1% 8.1% N/A 6.6%
Avg Rent $1,161 $1,161 N/A -
Cap Rate 2.7% 2.7% - -
💡 Why Invest in 14469? 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 14469 (Bloomfield, NY). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.7%
Low
5yr Growth
+8.1%
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 $331,920
Monthly Rent $1,161
Price-to-Rent 23.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.2%
Cap Rate 2.7%
5-Year IRR 10.8%

📈 Home Appreciation

1-Year +8.5% ▲
3-Year CAGR +7.2% ▲
5-Year CAGR +8.1% ▲
10-Year CAGR +7.7% ▲

🏠 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
11.2%
Moderate risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+8.1%
Growing
Eviction process: Slow Rent control: Unfavorable

Demographics in 14469

Population: 5,789

💰 Median Household Income
$68,472
This area
$68,472
State
$86,376
USA
$74,580
🏠 Renter Occupied
16.5%
This area
16.5%
State
26.4%
USA
34.0%
💼 Unemployment Rate
2.8%
This area
2.8%
State
-24.2%
USA
3.7%
🎓 College Educated
27.3%
This area
27.3%
State
4.2%
USA
33.7%
👤 Median Age
50.0 years
This area
50.0 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
11.2%
This area
11.2%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 97.9%
Other/Mixed 1.9%
Hispanic/Latino 0.8%
Black/African American 0.2%
👶 Under 18
17.7%
This area
17.7%
USA
22.0%
👴 65 and Over
25.9%
This area
25.9%
USA
17.3%
📊 Poverty Rate
4.7%
This area
4.7%
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 14469

A+ Avg School Grade
3 Schools
9.4:1 Avg Class Size
$36,103 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

BLOOMFIELD ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
👥
333 Students
👨‍🏫
10.4:1 Class Size
💰
$36,103 Per Student
A+ Excellent

BLOOMFIELD HIGH SCHOOL

📚 09 – 12 High School
👥
239 Students
👨‍🏫
8.9:1 Class Size
💰
$36,103 Per Student
A+ Excellent

BLOOMFIELD MIDDLE SCHOOL

📚 06 – 08 Middle
👥
182 Students
👨‍🏫
9.0:1 Class Size
💰
$36,103 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

2 Nearby 3,497 Off-Campus Students
C+
Elim Bible Institute and College
98 students · 7.8 mi
C
Finger Lakes Community College
5,457 students · 11.4 mi

Investor Insight: With 3,497 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

How does Bloomfield, NY rate as a rental market?

Our data puts Bloomfield, NY at 3.0/5 for investability. Home prices of $332K and rents around $1,161/mo create a solid backdrop for investor activity.

Do rentals sit vacant long in Bloomfield, NY?

Occupancy in Bloomfield, NY runs consistent with elevated vacancy. Well-priced units at $1,161/mo lease on reasonable timelines.

What monthly rent should investors expect in Bloomfield, NY?

Rents in Bloomfield, NY run near $1,161/mo. Compared with median home prices of $332K that produces solid gross yields for typical rentals.

Is it easy to find good tenants in Bloomfield, NY?

Tenant quality in Bloomfield, NY ranks as solid. Landlords generally report steady occupancy at market rents of $1,161/mo.

Which real estate strategy fits Bloomfield, NY?

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

You know 14469 now. You don’t know where it ranks.

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How 14469 ranks in Rochester, NY

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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