Real Estate Investing in Belmont, New York (14813)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 14813 (Belmont, 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: 29.2% 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 Belmont, NY (14813)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 14813 Belmont
ZIP 14813 inside Allegany County looks affordable on the surface — median value of $133K — but the discount exists for reasons that a careful buyer should understand before committing.
The investment case in 14813 is significant only for operators who understand what they are buying. A $133K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
ZIP 14813's metrics run below Allegany County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
Demographically, 14813 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.
New investors are better served looking at Belmont's stable or hybrid ZIPs before stepping into 14813. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Belmont:
Property Strategy for 14813
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $106,201 | $970 | 6.6% | +7.2% | $53,101 |
| 3BR | $124,246 | $1,240 | 7.2% | +8.7% | $41,415 |
| 4BR | $151,233 | $1,460 | 7.0% | +8.0% | $37,808 |
Market Trends
Home Value History (with trend line)
📊 How Does 14813 Compare?
| Metric | 14813 | Belmont | New York |
|---|---|---|---|
| Home Value | $132,872 | $132,872 | $505,608 |
| 5-Year CAGR | 6.2% | 6.2% | 6.6% |
| Avg Rent | $873 | $873 | - |
| Cap Rate | 5.1% | 5.1% | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 14813 (Belmont, NY). Anonymous, moderated, never written by AI.
Do you own or manage rentals in ZIP 14813 (Belmont, NY)?
~25 seconds · no account needed · your report is anonymous
📊 Market Snapshot
| Home Value | $132,872 |
| Monthly Rent | $873 |
| Price-to-Rent | 12.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 7.9% |
| Cap Rate | 5.1% |
| 5-Year IRR | 11.4% |
📈 Home Appreciation
| 1-Year | +10.4% ▲ |
| 3-Year CAGR | +9.3% ▲ |
| 5-Year CAGR | +6.2% ▲ |
| 10-Year CAGR | +6.6% ▲ |
🏠 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 14813
Population: 2,465
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 14813
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.
🎓 Nearby Colleges & Universities
Frequently Asked Questions
What kind of market is Belmont, NY for investors?
Yes - Belmont, NY a 3.0/5 investability score. With $133K home prices against $873/mo monthly rent, the market delivers a reasonable entry point for new investors.
What investment strategy works best in Belmont, NY?
Belmont, NY investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($133K prices, $873/mo rents) make it a reasonable choice.
What monthly rent should investors expect in Belmont, NY?
The typical rental in Belmont, NY commands about $873/mo monthly. That rent profile measured cash flow against the $133K purchase basis.
Is house hacking profitable in Belmont, NY?
Belmont, NY is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $133K price point reasonable to enter.
Are landlord laws favorable in Belmont, NY?
The landlord environment in Belmont, NY is tenant-protective. Statewide rules shape most day-to-day operations for rental owners.
You know 14813 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 14813 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.
AI Market Advisor
Ask questions about investing in 14813 (Belmont)
Community Ratings
What people who’ve spent time here actually say. Not paid reviews.
Be the first to rate 14813 (Belmont, NY).
It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.