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Market MapNew YorkSteuben

Steuben County

New YorkPopulation: 93,584
72
/100
Buy
#86 of 1,000 counties
#6 in New York (62 counties)

Market Snapshot

$159,843
Median Home Price
32% below national median
$1,339/mo
Median Rent
11% below national median
10.05%
Rent-to-Price Ratio
Top 2% nationally
+$33
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$159,843
Down Payment (20%)$31,969
Loan Amount$127,874
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,339
Monthly P&I-$838
Est. Expenses (35%)-$468
Net Cash Flow+$33/mo
6.5%
Cap Rate (all cash)
1.1%
Cash-on-Cash Return
10.05%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 6.5% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
72/100
72
Cash Flow(30%)
100/100

Based on 10.05% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
47/100

Based on -0.7% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
92/100

Price-to-income ratio of 2.6x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Above-average rent-to-price ratio (10.05%)
  • +Affordable relative to local incomes
  • +Complete rent data available

Challenges

  • -Declining home values (-0.7% YoY)
  • -Negative leverage (cap rate 6.5% < mortgage rate 6.9%)

Economic Indicators

Population
93,584
Median Income
$62,506
vs $57,018 national est.
Unemployment Rate
—
Data pending
Price-to-Income
2.6x
Very affordable

Compare to Nearby Counties

CountyVerdict
ChemungNY
73$151,982$1,1619.17%BuyView
CattaraugusNY
73$158,795$1,0898.23%BuyView
CurrentSteubenNY
72$159,843$1,33910.05%Buy
OnondagaNY
72$264,378$1,6277.39%BuyView
ClintonNY
71$216,455Est. pending—BuyView
OrleansNY
70$189,231Est. pending—BuyView

The Bottom Line

BuySteuben offers solid investment potential with good cash flow or appreciation prospects.

Steuben County in New York scores 72/100, ranking #86 of 1,000 US counties (top 11%). The 10.05% rent-to-price ratio exceeds the 1% rule target, suggesting strong cash flow potential. At current rates with 20% down, a median-priced property could generate approximately $33/month in cash flow.

Monthly Cash Flow
+$33/mo
Cap Rate
6.5%
Cash-on-Cash
1.1%

Ready to Analyze a Deal in Steuben?

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