Real Estate Investing in Poland, Ohio (44514)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Mahoning County • Population: 23,632 • Data updated: September 2026

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Should you buy in 44514 (Poland, OH)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (76/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

What’s happening in Poland, OH (44514)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $251,394
Avg Monthly Rent $1,226
1% Rule ✗ Does Not Meet
Median Income $78,078
% Renters 16.1%

Market Analysis: 44514 Poland

The 44514 ZIP covers a section of Poland that demands careful diligence. Prices near $251K look accessible, but the work to make a deal cash flow is real.

On balance, the numbers look inviting — $251K purchase price, 0.0% nominal cap — the work to hit that pro forma in 44514 is substantial and deserves full respect.

From a cash-flow lens, 44514 offers a low basis, the region around Poland has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

The demographic picture in 44514 includes headwinds that any investor should price in. Income distribution skews lower than Poland averages, and tenant stability requires active management.

Strategically, 44514 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.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Poland:

B+ Great
Buy Confidence Score: 81/100
Affordability
20/25
Appreciation
25/25
Stability
13/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.2× the median income
Value Trend
Rising (+7.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,226/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This area shows favorable conditions for homebuyers. Solid fundamentals with reasonable affordability.
🏠

Property Strategy for 44514

Which property type performs best in this market?

Best for Cash Flow
3BR
4.8% cap rate
Best for Appreciation
2BR
+9.5% 5yr CAGR
Best Overall Value
3BR
$72,497/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $199,863 $1,100 4.0% +9.5% $99,931
3BR $217,490 $1,440 4.8% +9.4% $72,497
4BR $372,734 $1,520 2.9% +8.8% $93,183
5BR $529,521 +8.7% $105,904

Market Trends

Home Value History (with trend line)

$262K$230K$198K$166K$134K$102KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$1,251$1,244$1,238$1,232$1,225$1,219Oct 2025Mar 2026Jul 2026

📊 How Does 44514 Compare?

Metric 44514 Poland Ohio
Home Value $251,394 $251,394 $237,530
5-Year CAGR 7.6% 7.6% 7.4%
Avg Rent $1,226 $1,226 -
Cap Rate 3.8% 3.8% -
💡 Why Invest in 44514? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 44514 (Poland, OH). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.8%
Low
5yr Growth
+7.6%
Strong

📊 Market Snapshot

Home Value $251,394
Monthly Rent $1,226
Price-to-Rent 17.1:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.9%
Cap Rate 3.8%
5-Year IRR 11.4%

📈 Home Appreciation

1-Year +7.6% ▲
3-Year CAGR +7.3% ▲
5-Year CAGR +7.6% ▲
10-Year CAGR +7.1% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.8%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.8%). 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.

Vacancy
5.2%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+7.6%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 44514

Population: 23,632

💰 Median Household Income
$78,078
This area
$78,078
State
$68,496
USA
$74,580
🏠 Renter Occupied
16.1%
This area
16.1%
State
25.8%
USA
34.0%
💼 Unemployment Rate
2.1%
This area
2.1%
State
-9.1%
USA
3.7%
🎓 College Educated
38.1%
This area
38.1%
State
8.4%
USA
33.7%
👤 Median Age
44.5 years
This area
44.5 years
State
19.6 years
USA
38.9 years
🏚️ Vacancy Rate
5.2%
This area
5.2%
State
11.1%
USA
10.5%
👥 Population by Ethnicity
White 91.8%
Other/Mixed 5.5%
Hispanic/Latino 2.5%
Black/African American 1.3%
Asian 1.3%
👶 Under 18
22.0%
This area
22.0%
USA
22.0%
👴 65 and Over
23.2%
This area
23.2%
USA
17.3%
📊 Poverty Rate
4.2%
This area
4.2%
USA
11.5%

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 44514

B Avg School Grade
5 Schools
23.5:1 Avg Class Size
$17,727 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Paul C Bunn Elementary School

📚 Pre-K – 05 Elementary
👥
255 Students
👨‍🏫
10.6:1 Class Size
💰
$34,449 Per Student
B Good

Poland Middle School

📚 04 – 06 School
👥
388 Students
👨‍🏫
17.1:1 Class Size
💰
$13,546 Per Student
B Good

Mckinley Elementary School

📚 K – 03 Elementary
👥
548 Students
👨‍🏫
19.2:1 Class Size
💰
$13,546 Per Student
C+ Average

Poland Seminary High School

📚 07 – 12 High School
👥
813 Students
👨‍🏫
19.3:1 Class Size
💰
$13,546 Per Student
D Needs Improvement

Dobbins Early Learning Center

📚 Grade PK Elementary
👥
51 Students
👨‍🏫
51.0:1 Class Size
💰
$13,546 Per Student
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

8 Nearby 1,816 Off-Campus Students
C
Raphael's School of Beauty Culture Inc-Boardman
131 students · 4.1 mi
C+
Choffin Career and Technical Center
73 students · 7.3 mi
C+
Youngstown State University
11,040 students · 7.6 mi
C+
Mahoning County Career and Technical Center
74 students · 9.6 mi
C
New Castle School of Trades
623 students · 11.1 mi
D
UPMC Jameson School of Nursing
332 students · 13.5 mi
C
Butler Beauty Academy-New Castle Beauty Academy
30 students · 13.9 mi
C
Hannah E Mullins School of Practical Nursing
30 students · 14.3 mi

Investor Insight: With 1,816 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

How strict are landlord regulations in Poland, OH?

OH ranks as a landlord-friendly state for landlord-tenant law. Poland generally follows the statewide framework, so landlords face reasonable operating rules.

How does Poland, OH stack up for property investment?

Poland, OH rates 3.0/5 for investability. With median values at $251K and rents near $1,226/mo, the market offers reasonable fundamentals for rental investors.

What price range are homes in Poland, OH?

Expect median prices around $251K in Poland, OH. The market has run at a 0.0% 5-year CAGR, so entry costs have been stable.

Can I live-in-and-rent in Poland, OH?

House hacking in Poland, OH is reasonable to execute. Prices around $251K and rents of $1,226/mo solid owner-occupant economics.

How qualified is the tenant pool in Poland, OH?

Tenant quality in Poland, OH ranks as solid. Landlords generally report reliable occupancy at market rents of $1,226/mo.

You know 44514 now. You don’t know where it ranks.

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How 44514 ranks in Youngstown-Warren-Boardman, OH-PA

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