Real Estate Investing in Stockton, New York (14784)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 14784 (Stockton, NY)? Our answer, based on the numbers below.
Solid choice — values are growing steadily and the market is stable enough to buy with confidence.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 30.1% 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 Stockton, NY (14784)?
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Market Analysis: 14784 Stockton
ZIP 14784 inside Chautauqua County looks affordable on the surface — median value of $137K — but the discount exists for reasons that a careful buyer should understand before committing.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $137K asset, 14784 is the wrong submarket. If the plan prices in friction, the yield can still work.
Nearby ZIPs in Stockton have seen price recovery that 14784 has not matched. Chautauqua County data supports the view that the spread is structural rather than temporary.
Resident income in 14784 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
New investors are better served looking at Stockton's stable or hybrid ZIPs before stepping into 14784. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Stockton:
Market Trends
Home Value History (with trend line)
📊 How Does 14784 Compare?
| Metric | 14784 | Stockton | Jamestown-Dunkirk-Fredonia, NY | New York |
|---|---|---|---|---|
| Home Value | $137,468 | $137,468 | N/A | $505,608 |
| 5-Year CAGR | 6.3% | 6.3% | N/A | 6.6% |
| Avg Rent | $891 | $891 | N/A | - |
| Cap Rate | 5.1% | 5.1% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 14784 (Stockton, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $137,468 |
| Monthly Rent | $891 |
| Price-to-Rent | 12.9:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 7.8% |
| Cap Rate | 5.1% |
| 5-Year IRR | 11.3% |
📈 Home Appreciation
| 1-Year | +8.5% ▲ |
| 3-Year CAGR | +5.7% ▲ |
| 5-Year CAGR | +6.3% ▲ |
| 10-Year CAGR | +7.8% ▲ |
🏠 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 (5.1%). 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 14784
Population: 950
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
Frequently Asked Questions
What is it like being a landlord in Stockton, NY?
Stockton, NY falls under NY landlord-tenant law, which is tenant-protective. That backdrop makes day-to-day property management reasonable.
Can I house hack in Stockton, NY?
House hacking works a challenging in Stockton, NY. Rents of $891/mo against $137K acquisition make the strategy solid for owner-occupants.
What is the median home value in Stockton, NY?
Homes in Stockton, NY typically sell near $137K. Prices have moved at a 0.0% 5-year CAGR, which measured long-term demand.
What kind of market is Stockton, NY for investors?
Stockton, NY reflects an investability rating of 3.0/5, with median home values near $137K and average rents around $891/mo. That combination puts it in the robust tier for investor interest.
What is the tenant pool like in Stockton, NY?
The renter base in Stockton, NY is reasonable for the $891/mo price point. Screening well and pricing to market typically yields stable tenants.
You know 14784 now. You don’t know where it ranks.
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How 14784 ranks in Jamestown-Dunkirk-Fredonia, NY
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