Is Cattaraugus County, NY good for real estate investing?

Cattaraugus County has an investment score of 73/100, rated as "Buy". The county ranks #65 nationally among 1000 counties analyzed.

What is the rent-to-price ratio in Cattaraugus?

The rent-to-price ratio in Cattaraugus County is 8.23% annually, which ranks in the 93th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Cattaraugus?

The median home price in Cattaraugus County is $158,795. This ranks #100 in affordability among all US counties.

Can you cash flow on rental properties in Cattaraugus?

Based on median values with 20% down at current rates, a typical rental in Cattaraugus County would generate negative cash flow of $125/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Cattaraugus County

New YorkPopulation: 77,000

/100

Buy

#65 of 1,000 counties

#5 in New York (62 counties)

Market Snapshot

$158,795

Median Home Price

42% below national median

$1,089/mo

Median Rent

27% below national median

8.23%

Rent-to-Price Ratio

Top 7% nationally

-$125

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$158,795

Down Payment (20%)$31,759

Loan Amount$127,036

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,089

Monthly P&I-$832

Est. Expenses (35%)-$381

Net Cash Flow-$125/mo

5.3%

Cap Rate (all cash)

-4.1%

Cash-on-Cash Return

8.23%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 5.3% 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 Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

73/100

Cash Flow(30%)

82/100

Based on 8.23% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

73/100

Based on 2.3% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

88/100

Price-to-income ratio of 2.8x. 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 (8.23%)
+Affordable relative to local incomes
+Complete rent data available

Challenges

-Negative leverage (cap rate 5.3% < mortgage rate 6.9%)

Economic Indicators

Population

77,000

Median Income

$56,889

vs $62,400 national est.

Unemployment Rate

—

Data pending

Price-to-Income

2.8x

Very affordable

Compare to Nearby Counties

County					Verdict
HerkimerNY	74	$191,152	Est. pending	—	Buy	View
CurrentCattaraugusNY	73	$158,795	$1,089	8.23%	Buy
CortlandNY	73	$194,241	$1,156	7.14%	Buy	View
Saint LawrenceNY	73	$139,884	$892	7.65%	Buy	View
SteubenNY	72	$163,769	$1,332	9.76%	Buy	View
GeneseeNY	72	$215,279	Est. pending	—	Buy	View

The Bottom Line

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

Cattaraugus County in New York scores 73/100, ranking #65 of 1,000 US counties (top 6%). The 8.23% rent-to-price ratio exceeds the 1% rule target, suggesting strong cash flow potential.

Monthly Cash Flow

$-125/mo

Cap Rate

5.3%

Cash-on-Cash

-4.1%

Ready to Analyze a Deal in Cattaraugus?

Use our investment calculators to run detailed numbers on specific properties.

Single Family1-4 unit rentals, BRRRR House HackOwner-occupied strategy Multifamily5+ unit properties

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Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$158,795

Down Payment (20%)$31,759

Loan Amount$127,036

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,089

Monthly P&I-$832

Est. Expenses (35%)-$381

Net Cash Flow-$125/mo

5.3%

Cap Rate (all cash)

-4.1%

Cash-on-Cash Return

8.23%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 5.3% 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 Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

73/100

Cash Flow(30%)

82/100

Based on 8.23% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

73/100

Based on 2.3% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

88/100

Price-to-income ratio of 2.8x. Lower ratios indicate more affordable markets.

County

Verdict

HerkimerNY

$191,152

Est. pending

—

Buy

View

CurrentCattaraugusNY

$158,795

$1,089

8.23%

Buy

CortlandNY

$194,241

$1,156

7.14%

Buy

View

Saint LawrenceNY

$139,884

$892

7.65%

Buy

View

SteubenNY

$163,769

$1,332

9.76%

Buy

View

GeneseeNY

$215,279

Est. pending

—

Buy

View

The Bottom Line

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

Cattaraugus County in New York scores 73/100, ranking #65 of 1,000 US counties (top 6%). The 8.23% rent-to-price ratio exceeds the 1% rule target, suggesting strong cash flow potential.

Monthly Cash Flow

$-125/mo

Cap Rate

5.3%

Cash-on-Cash

-4.1%