Real Estate Investing in Lodi, New York (14860)
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Should you buy in 14860 (Lodi, 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: 35.8% 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 Lodi, NY (14860)?
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Market Analysis: 14860 Lodi
The 14860 ZIP covers a section of Lodi that demands careful diligence. Prices near $308K look accessible, but the work to make a deal cash flow is real.
The investment case in 14860 is sturdy only for operators who understand what they are buying. A $308K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
The gap between 14860 and stronger Lodi ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
The 14860 ZIP's population of 1,079 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that comes in at the need for careful underwriting.
tilts toward the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.
Here's what matters if you're considering buying a home in Lodi:
Market Trends
Home Value History (with trend line)
📊 How Does 14860 Compare?
| Metric | 14860 | Lodi | Seneca Falls, NY | New York |
|---|---|---|---|---|
| Home Value | $307,710 | $307,710 | N/A | $505,608 |
| 5-Year CAGR | 6.2% | 6.2% | N/A | 6.6% |
| Avg Rent | $1,107 | $1,107 | N/A | - |
| Cap Rate | 2.8% | 2.8% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 14860 (Lodi, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $307,710 |
| Monthly Rent | $1,107 |
| Price-to-Rent | 23.2:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.3% |
| Cap Rate | 2.8% |
| 5-Year IRR | 9.0% |
📈 Home Appreciation
| 1-Year | +8.6% ▲ |
| 3-Year CAGR | +6.5% ▲ |
| 5-Year CAGR | +6.2% ▲ |
| 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 (2.8%). 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.
Demographics in 14860
Population: 1,079
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
Do rentals sit vacant long in Lodi, NY?
Lodi, NY carries elevated vacancy risk. Expect even-keeled absorption at market rents of $1,107/mo.
What is the average monthly rent in Lodi, NY?
Rents in Lodi, NY run near $1,107/mo. Compared with median home prices of $308K that produces solid gross yields for typical rentals.
Is it easy to find good tenants in Lodi, NY?
Expect a solid tenant pool in Lodi, NY. The rental market absorbs $1,107/mo rents without meaningful friction.
Does a duplex house hack pencil in Lodi, NY?
House hacking in Lodi, NY is a challenging. With home values around $308K and rents at $1,107/mo, owner-occupants can offset a meaningful share of PITI.
How does Lodi, NY rate as a rental market?
The 3.0/5 investability rating in Lodi, NY reflects its $308K prices and $1,107/mo rents. Investors generally consider it a solid option within NY.
You know 14860 now. You don’t know where it ranks.
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How 14860 ranks in Seneca Falls, NY
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