Real Estate Investing in Wolcott, New York (14590)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 14590 (Wolcott, NY)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 33.4% 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 Wolcott, NY (14590)?
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Market Analysis: 14590 Wolcott
Put differently, ZIP 14590 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $224K median. It rewards specialists, not generalists.
In practical terms, the numbers look inviting — $224K purchase price, 0.0% nominal cap — the work to hit that pro forma in 14590 is substantial and deserves full respect.
Statewide comparisons place 14590 among NY's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.
Resident income in 14590 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
Strategy in 14590 is an operator game, not a passive one. Turning to rents, entry prices of $224K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Wolcott:
Property Strategy for 14590
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $227,267 | $1,320 | 4.2% | +9.6% | $113,634 |
| 3BR | $214,470 | $1,590 | 5.3% | +6.9% | $71,490 |
| 4BR | $212,268 | $1,750 | 5.9% | +7.0% | $53,067 |
| 5BR | $251,758 | — | — | — | $50,352 |
Market Trends
Home Value History (with trend line)
📊 How Does 14590 Compare?
| Metric | 14590 | Wolcott | Rochester, NY | New York |
|---|---|---|---|---|
| Home Value | $224,333 | $224,333 | N/A | $505,608 |
| 5-Year CAGR | 6.0% | 6.0% | N/A | 6.6% |
| Avg Rent | $1,188 | $1,188 | N/A | - |
| Cap Rate | 4.1% | 4.1% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 14590 (Wolcott, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $224,333 |
| Monthly Rent | $1,188 |
| Price-to-Rent | 15.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.4% |
| Cap Rate | 4.1% |
| 5-Year IRR | 10.2% |
📈 Home Appreciation
| 1-Year | +11.4% ▲ |
| 3-Year CAGR | +8.1% ▲ |
| 5-Year CAGR | +6.0% ▲ |
| 10-Year CAGR | +7.0% ▲ |
🏠 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 (4.1%). 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 14590
Population: 5,264
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 14590
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.
Frequently Asked Questions
Is Wolcott in NY worth investing in?
Wolcott, NY rates 3.0/5 for investability. With median values at $224K and rents near $1,188/mo, the market offers reasonable fundamentals for rental investors.
How should investors approach Wolcott, NY?
A careful cash-flow rentals with hands-on management strategy Wolcott, NY best. The market produces predictable results for that approach at the $224K price point.
How much rent can I charge in Wolcott, NY?
Average rent in Wolcott, NY is approximately $1,188/mo per month. Against $224K home values that yields a reasonable rent-to-price ratio.
How high is vacancy risk in Wolcott, NY?
Vacancy in Wolcott, NY is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,188/mo.
Is Wolcott, NY a good market for FHA house hackers?
The house hack math a challenging in Wolcott, NY. Owner-occupant buyers benefit from the $1,188/mo rents and $224K home values.
You know 14590 now. You don’t know where it ranks.
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How 14590 ranks in Rochester, NY
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