Real Estate Investing in Montour Falls, New York (14865)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 14865 (Montour Falls, 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.
- Elevated vacancy: 9.9% vacancy may signal weakening demand.
- 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 Montour Falls, NY (14865)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 14865 Montour Falls
Not every below-median market is a bargain. Montour Falls's 14865 ZIP stands at signals that favor experienced operators who can absorb the risk $217K pricing implies.
For an experienced owner, 14865 can be a an appealing option for hunting ground — but the discount at $217K reflects genuine risk that outside investors often underestimate.
Nearby ZIPs in Montour Falls have seen price recovery that 14865 has not matched. Schuyler County data supports the view that the spread is structural rather than temporary.
Employment concentration in 14865 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
Strategically, 14865 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.
Here's what matters if you're considering buying a home in Montour Falls:
Property Strategy for 14865
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $175,860 | $1,030 | 4.2% | +5.6% | $87,930 |
| 3BR | $201,728 | $1,350 | 4.8% | +6.2% | $67,243 |
| 4BR | $230,554 | $1,360 | 4.2% | +7.3% | $57,639 |
Market Trends
Home Value History (with trend line)
📊 How Does 14865 Compare?
| Metric | 14865 | Montour Falls | New York |
|---|---|---|---|
| Home Value | $216,821 | $216,821 | $505,608 |
| 5-Year CAGR | 5.4% | 5.4% | 6.6% |
| Avg Rent | $927 | $927 | - |
| Cap Rate | 3.3% | 3.3% | - |
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 14865 (Montour Falls, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $216,821 |
| Monthly Rent | $927 |
| Price-to-Rent | 19.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.1% |
| Cap Rate | 3.3% |
| 5-Year IRR | 8.8% |
📈 Home Appreciation
| 1-Year | +8.4% ▲ |
| 3-Year CAGR | +4.8% ▲ |
| 5-Year CAGR | +5.4% ▲ |
| 10-Year CAGR | +6.5% ▲ |
🏠 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 (3.3%). 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 14865
Population: 2,578
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 14865
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
How do home values compare in Montour Falls, NY?
Typical homes in Montour Falls, NY go for around $217K. The 5-year CAGR of 0.0% reliable price movement.
Are tenants stable in Montour Falls, NY?
Tenant quality in Montour Falls, NY ranks as solid. Landlords generally report predictable occupancy at market rents of $927/mo.
Is real estate in Montour Falls, NY a good investment right now?
The 3.0/5 investability rating in Montour Falls, NY reflects its $217K prices and $927/mo rents. Investors generally consider it a solid option within NY.
Does Montour Falls, NY favor landlords or tenants?
The landlord environment in Montour Falls, NY is tenant-protective. Statewide rules shape most day-to-day operations for rental owners.
Which investment style suits Montour Falls, NY?
The best-fit strategy in Montour Falls, NY is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.
You know 14865 now. You don’t know where it ranks.
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Community Ratings
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