Real Estate Investing in Jamestown, New York (14701)

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

Chautauqua County • Population: 39,207 • Data updated: September 2026

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Should you buy in 14701 (Jamestown, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (80/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 For Investors
MIXED
3.0 / 5 (52/100)

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: 12.8% of homes vacant — above national norms.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.

What’s happening in Jamestown, NY (14701)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $125,555
Avg Monthly Rent $929
1% Rule ✗ Does Not Meet
Median Income $47,435
% Renters 42.8%

Market Analysis: 14701 Jamestown

ZIP 14701 in Jamestown, NY carries a resilient set of headwinds. Home values near $126K and rents of $929/mo sit inside a market where underwriting has to be tight.

The investment case in 14701 is sturdy only for operators who understand what they are buying. A $126K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

Within NY, ZIP 14701 trails on several market indicators that neighboring Chautauqua County submarkets outperform. The gap is real and impressive enough to shape underwriting.

The 14701 ZIP's population of 39,207 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that registers the need for careful underwriting.

Strategically, 14701 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.

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 Jamestown:

B+ Great
Buy Confidence Score: 79/100
Affordability
20/25
Appreciation
25/25
Stability
13/20
Timing
6/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.6× the median income
Value Trend
Rising (+4.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $929/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
Jamestown-Dunkirk-Fredonia, NY Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
9.3%
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 Jamestown-Dunkirk-Fredonia, NY metro data
🏠

Property Strategy for 14701

Which property type performs best in this market?

Best for Cash Flow
3BR
7.7% cap rate
Best for Appreciation
5BR
+10.5% 5yr CAGR
Best Overall Value
4BR
$38,170/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $74,977 $750 7.2% +9.4% $74,977
2BR $111,702 $970 6.3% +10.1% $55,851
3BR $120,295 $1,280 7.7% +9.0% $40,098
4BR $152,681 $1,290 6.1% +9.4% $38,170
5BR $208,462 +10.5% $41,692

Market Trends

Home Value History (with trend line)

$132K$116K$100K$83K$67K$51KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$943$903$862$822$781$741Jun 2025Dec 2025Jun 2026

📊 How Does 14701 Compare?

Metric 14701 Jamestown Jamestown-Dunkirk-Fredonia, NY New York
Home Value $125,555 $125,555 N/A $505,608
5-Year CAGR 7.0% 7.0% N/A 6.6%
Avg Rent $929 $929 N/A -
Cap Rate 5.8% 5.8% - -
💡 Why Invest in 14701? Click to expand

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

A healthy rental market with 43% renter-occupied households ensures tenant availability.

📊 See where this ZIP ranks in our Best-of lists →
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 14701 (Jamestown, NY). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
5.8%
Fair
5yr Growth
+7.0%
Strong

📊 Market Snapshot

Home Value $125,555
Monthly Rent $929
Price-to-Rent 11.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 8.9%
Cap Rate 5.8%
5-Year IRR 12.8%

📈 Home Appreciation

1-Year +4.7% ▲
3-Year CAGR +6.4% ▲
5-Year CAGR +7.0% ▲
10-Year CAGR +7.0% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 5.8%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.8%). 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
12.8%
Moderate risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+7.0%
Growing
Eviction process: Slow Rent control: Unfavorable

Demographics in 14701

Population: 39,207

💰 Median Household Income
$47,435
This area
$47,435
State
$86,376
USA
$74,580
🏠 Renter Occupied
42.8%
This area
42.8%
State
26.4%
USA
34.0%
💼 Unemployment Rate
4.3%
This area
4.3%
State
-24.2%
USA
3.7%
🎓 College Educated
23.1%
This area
23.1%
State
4.2%
USA
33.7%
👤 Median Age
39.2 years
This area
39.2 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
12.8%
This area
12.8%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 88.8%
Other/Mixed 8.0%
Hispanic/Latino 5.1%
Black/African American 2.3%
Asian 0.8%
👶 Under 18
22.9%
This area
22.9%
USA
22.0%
👴 65 and Over
18.1%
This area
18.1%
USA
17.3%
📊 Poverty Rate
17.1%
This area
17.1%
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 14701

A+ Avg School Grade
12 Schools
10.2:1 Avg Class Size
$20,634 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

ABRAHAM LINCOLN ELEMENTARY SCHOOL

📚 Pre-K – 04 Elementary
👥
401 Students
👨‍🏫
11.1:1 Class Size
💰
$20,254 Per Student
A+ Excellent

CARLYLE C RING ELEMENTARY SCHOOL

📚 Pre-K – 04 Elementary
👥
390 Students
👨‍🏫
9.8:1 Class Size
💰
$20,254 Per Student
A+ Excellent

GEORGE WASHINGTON MIDDLE SCHOOL

📚 05 – 08 School
👥
467 Students
👨‍🏫
8.8:1 Class Size
💰
$20,254 Per Student
A+ Excellent

MILTON J FLETCHER ELEMENTARY SCHOOL

📚 Pre-K – 04 Elementary
👥
509 Students
👨‍🏫
11.3:1 Class Size
💰
$20,254 Per Student
A+ Excellent

PERSELL MIDDLE SCHOOL

📚 05 – 08 School
👥
362 Students
👨‍🏫
7.9:1 Class Size
💰
$20,254 Per Student
A+ Excellent

SOUTHWESTERN ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
👥
582 Students
👨‍🏫
11.5:1 Class Size
💰
$21,774 Per Student
A+ Excellent

SOUTHWESTERN SENIOR HIGH SCHOOL

📚 09 – 12 High School
👥
403 Students
👨‍🏫
10.2:1 Class Size
💰
$21,774 Per Student
A+ Excellent

THOMAS JEFFERSON MIDDLE SCHOOL

📚 05 – 08 School
👥
451 Students
👨‍🏫
10.1:1 Class Size
💰
$20,254 Per Student
A+ Excellent

CLINTON V BUSH ELEMENTARY SCHOOL

📚 Pre-K – 04 Elementary
👥
262 Students
👨‍🏫
9.1:1 Class Size
💰
$20,254 Per Student
A+ Excellent

SAMUEL G LOVE ELEMENTARY SCHOOL

📚 Pre-K – 04 Elementary
👥
286 Students
👨‍🏫
8.9:1 Class Size
💰
$20,254 Per Student
A+ Excellent

SOUTHWESTERN MIDDLE SCHOOL

📚 06 – 08 Middle
👥
281 Students
👨‍🏫
10.6:1 Class Size
💰
$21,774 Per Student
A Very Good

JAMESTOWN HIGH SCHOOL

📚 09 – 12 High School
👥
1,354 Students
👨‍🏫
13.5:1 Class Size
💰
$20,254 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

3 Nearby 657 Off-Campus Students
D
Jamestown Business College
251 students · 1.0 mi
C+
Jamestown Community College
3,772 students · 3.0 mi
C+
Erie 2 Chautauqua Cattaraugus BOCES-Practical Nursing Program
44 students · 7.1 mi

Investor Insight: With 657 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Where do rents currently stand in Jamestown, NY?

Rent in Jamestown, NY is around $929/mo. The resulting rent-to-value relationship with $126K pricing is reasonable for most investor models.

What is the renter demographic in Jamestown, NY?

The renter base in Jamestown, NY is reasonable for the $929/mo price point. Screening well and pricing to market typically yields steady tenants.

How do home values compare in Jamestown, NY?

Median home price in Jamestown, NY is near $126K, with a 5-year CAGR of 0.0%. Prices have been even-keeled and supportive of buy-and-hold strategies.

Is Jamestown, NY good for house hacking?

Jamestown, NY offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $929/mo rent level.

How should investors approach Jamestown, NY?

A careful cash-flow rentals with hands-on management strategy Jamestown, NY best. The market produces predictable results for that approach at the $126K price point.

You know 14701 now. You don’t know where it ranks.

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How 14701 ranks in Jamestown-Dunkirk-Fredonia, NY

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