Real Estate Investing in Beaver Dams, New York (14812)

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

Schuyler County • Population: 2,961 • Data updated: September 2026

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Should you buy in 14812 (Beaver Dams, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (83/100)

Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.

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

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
1 flag
  • 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 Beaver Dams, NY (14812)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $176,074
Avg Monthly Rent $1,116
1% Rule ✗ Does Not Meet
Median Income $63,854
% Renters 13.0%

Market Analysis: 14812 Beaver Dams

This part of Schuyler County is not an easy win. The 14812 ZIP registers softness in key indicators, and the playbook that works in cleaner markets often stalls here.

The 14812 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

The gap between 14812 and stronger Beaver Dams ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Demographically, 14812 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

Distressed ZIPs reward experience. sturdy returns are possible in 14812, but they flow to investors who already understand how to operate in soft markets.

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 Beaver Dams:

C+ Average
Buy Confidence Score: 66/100
Affordability
20/25
Appreciation
18/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.8× the median income
Value Trend
Rising (+9.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,116/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
Corning, NY Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
7.7%
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 Corning, NY metro data
🏠

Property Strategy for 14812

Which property type performs best in this market?

Best for Cash Flow
3BR
6.8% cap rate
Best for Appreciation
4BR
+6.7% 5yr CAGR
Best Overall Value
4BR
$53,351/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $146,691 $1,240 6.1% +6.6% $73,345
3BR $169,536 $1,600 6.8% +6.2% $56,512
4BR $213,403 $1,740 5.9% +6.7% $53,351

Market Trends

Home Value History (with trend line)

$183K$163K$143K$123K$103K$84KJul 2006Jul 2016Jul 2026

📊 How Does 14812 Compare?

Metric 14812 Beaver Dams Corning, NY New York
Home Value $176,074 $176,074 N/A $505,608
5-Year CAGR 4.8% 4.8% N/A 6.6%
Avg Rent $1,116 $1,116 N/A -
Cap Rate 4.9% 4.9% - -
💡 Why Invest in 14812? 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 14812 (Beaver Dams, NY). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.9%
Fair
5yr Growth
+4.8%
Moderate

📉 Market Crash Risk Index

Based on Corning, NY metro

1/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
1/3
54%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $176,074
Monthly Rent $1,116
Price-to-Rent 13.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 7.6%
Cap Rate 4.9%
5-Year IRR 9.8%

📈 Home Appreciation

1-Year +9.0% ▲
3-Year CAGR +5.2% ▲
5-Year CAGR +4.8% ▲
10-Year CAGR +5.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.9%). 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
7.4%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+4.8%
Stable
Eviction process: Slow Rent control: Unfavorable

Demographics in 14812

Population: 2,961

💰 Median Household Income
$63,854
This area
$63,854
State
$86,376
USA
$74,580
🏠 Renter Occupied
13.0%
This area
13.0%
State
26.4%
USA
34.0%
💼 Unemployment Rate
4.2%
This area
4.2%
State
-24.2%
USA
3.7%
🎓 College Educated
13.0%
This area
13.0%
State
4.2%
USA
33.7%
👤 Median Age
43.6 years
This area
43.6 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
7.4%
This area
7.4%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 94.0%
Other/Mixed 5.3%
Hispanic/Latino 3.0%
Asian 0.4%
Black/African American 0.3%
👶 Under 18
19.6%
This area
19.6%
USA
22.0%
👴 65 and Over
16.4%
This area
16.4%
USA
17.3%
📊 Poverty Rate
6.7%
This area
6.7%
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

🎓 Nearby Colleges & Universities

2 Nearby 1,084 Off-Campus Students
C+
Schuyler Steuben Chemung Tioga Allegany BOCES
170 students · 12.7 mi
C
SUNY Corning Community College
3,637 students · 12.8 mi

Investor Insight: With 1,084 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What is the typical rental rate in Beaver Dams, NY?

Expect rents around $1,116/mo per month in Beaver Dams, NY. With home values at $176K, the yield math works out to reasonable levels for rental investors.

Is housing expensive in Beaver Dams, NY?

Typical homes in Beaver Dams, NY go for around $176K. The 5-year CAGR of 0.0% even-keeled price movement.

Is Beaver Dams in NY worth investing in?

Beaver Dams, NY scores 3.0/5 for investability. Home values sit at $176K and rents near $1,116/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.

How tight is the rental market in Beaver Dams, NY?

Beaver Dams, NY sees elevated vacancy, which is reasonable relative to the broader NY rental market.

What is it like being a landlord in Beaver Dams, NY?

Landlord-friendliness in Beaver Dams, NY is tenant-protective. Eviction timelines and lease enforcement are considered reasonable by most property managers.

You know 14812 now. You don’t know where it ranks.

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How 14812 ranks in Corning, NY

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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