Real Estate Investing in Rock Stream, New York (14878)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 14878 (Rock Stream, NY)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 41.8% of homes vacant — above national norms.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
- Elevated poverty: 37.9% poverty rate — can affect rent collection.
- High price-to-rent: Price-to-rent ratio 25.8 — hard to cash-flow at these prices.
• 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 Rock Stream, NY (14878)?
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Market Analysis: 14878 Rock Stream
From a cash-flow lens, ZIP 14878 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $300K median. It rewards specialists, not generalists.
Distressed markets are won on execution, not on spreadsheets. ZIP 14878 posts the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
The gap between 14878 and stronger Rock Stream ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
Who lives in 14878 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
leans 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 Rock Stream:
Property Strategy for 14878
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $228,464 | $1,080 | 3.4% | +5.7% | $114,232 |
| 3BR | $295,153 | $1,380 | 3.4% | +6.1% | $98,384 |
Market Trends
Home Value History (with trend line)
📊 How Does 14878 Compare?
| Metric | 14878 | Rock Stream | Rochester, NY | New York |
|---|---|---|---|---|
| Home Value | $300,336 | $300,336 | N/A | $505,608 |
| 5-Year CAGR | 4.9% | 4.9% | N/A | 6.6% |
| Avg Rent | $972 | $972 | N/A | - |
| Cap Rate | 2.5% | 2.5% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 14878 (Rock Stream, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $300,336 |
| Monthly Rent | $972 |
| Price-to-Rent | 25.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.9% |
| Cap Rate | 2.5% |
| 5-Year IRR | 7.4% |
📈 Home Appreciation
| 1-Year | +7.6% ▲ |
| 3-Year CAGR | +3.8% ▲ |
| 5-Year CAGR | +4.9% ▲ |
| 10-Year CAGR | +6.1% ▲ |
🏠 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 (2.5%). 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 14878
Population: 793
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
Is Rock Stream, NY better for rentals, flips, or BRRRR?
Investors who focus on careful cash-flow rentals with hands-on management typically do well in Rock Stream, NY. The numbers - $300K homes against $972/mo rents - support that play.
Are rents high in Rock Stream, NY?
Average rent in Rock Stream, NY is approximately $972/mo per month. Against $300K home values that yields a reasonable rent-to-price ratio.
Are there empty rentals in Rock Stream, NY?
Vacancy risk in Rock Stream, NY is elevated. That supports even-keeled cash flow for typical rental holds.
What does house hacking look like in Rock Stream, NY?
House hacking works a challenging in Rock Stream, NY. Rents of $972/mo against $300K acquisition make the strategy solid for owner-occupants.
How landlord-friendly is Rock Stream, NY?
NY ranks as a tenant-protective state for landlord-tenant law. Rock Stream generally follows the statewide framework, so landlords face reasonable operating rules.
You know 14878 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 14878 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.
How 14878 ranks in Rochester, NY
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Community Ratings
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