Real Estate Investing in Whitesville, New York (14897)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 14897 (Whitesville, 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: 27.4% of homes vacant — above national norms.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
• 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 Whitesville, NY (14897)?
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Market Analysis: 14897 Whitesville
ZIP 14897 in Whitesville, NY carries a substantial set of headwinds. Home values near $117K and rents of $873/mo sit inside a market where underwriting has to be tight.
For an experienced owner, 14897 can be a a viable market for hunting ground — but the discount at $117K reflects genuine risk that outside investors often underestimate.
Within NY, ZIP 14897 trails on several market indicators that neighboring Allegany County submarkets outperform. The gap is real and solid enough to shape underwriting.
Resident income in 14897 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
Strategy in 14897 is an operator game, not a passive one. Turning to rents, entry prices of $117K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Whitesville:
Market Trends
Home Value History (with trend line)
📊 How Does 14897 Compare?
| Metric | 14897 | Whitesville | New York |
|---|---|---|---|
| Home Value | $117,117 | $117,117 | $505,608 |
| 5-Year CAGR | 5.2% | 5.2% | 6.6% |
| Avg Rent | $873 | $873 | - |
| Cap Rate | 5.8% | 5.8% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 14897 (Whitesville, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $117,117 |
| Monthly Rent | $873 |
| Price-to-Rent | 11.2:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 8.9% |
| Cap Rate | 5.8% |
| 5-Year IRR | 11.0% |
📈 Home Appreciation
| 1-Year | +8.7% ▲ |
| 3-Year CAGR | +7.1% ▲ |
| 5-Year CAGR | +5.2% ▲ |
| 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 (5.8%). 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 14897
Population: 770
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 14897
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.
Frequently Asked Questions
What is the median home value in Whitesville, NY?
In Whitesville, NY the median home value sits at $117K. Against the broader NY market, that reads as reasonable for most investors.
What kind of tenants rent in Whitesville, NY?
Whitesville, NY draws a predictable base of working renters. Demand at the $873/mo rent level is reasonable for standard single-family and small multi rentals.
Are rents high in Whitesville, NY?
Rent in Whitesville, NY is around $873/mo. The resulting rent-to-value relationship with $117K pricing is reasonable for most investor models.
What is it like being a landlord in Whitesville, NY?
Whitesville, NY falls under NY landlord-tenant law, which is tenant-protective. That backdrop makes day-to-day property management reasonable.
Do landlords face vacancy issues in Whitesville, NY?
Whitesville, NY carries elevated vacancy risk. Expect consistent absorption at market rents of $873/mo.
You know 14897 now. You don’t know where it ranks.
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