Is Saint Lawrence County, NY good for real estate investing?

Saint Lawrence 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 Saint Lawrence?

The rent-to-price ratio in Saint Lawrence County is 7.65% annually, which ranks in the 88th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Saint Lawrence?

The median home price in Saint Lawrence County is $139,884. This ranks #57 in affordability among all US counties.

Can you cash flow on rental properties in Saint Lawrence?

Based on median values with 20% down at current rates, a typical rental in Saint Lawrence County would generate negative cash flow of $154/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Saint Lawrence County

New YorkPopulation: 108,670

/100

Buy

#65 of 1,000 counties

#5 in New York (62 counties)

Market Snapshot

$139,884

Median Home Price

49% below national median

$892/mo

Median Rent

40% below national median

7.65%

Rent-to-Price Ratio

Top 12% nationally

-$154

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$139,884

Down Payment (20%)$27,977

Loan Amount$111,907

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$892

Monthly P&I-$733

Est. Expenses (35%)-$312

Net Cash Flow-$154/mo

5.0%

Cap Rate (all cash)

-5.7%

Cash-on-Cash Return

7.65%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 5.0% 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%)

76/100

Based on 7.65% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

76/100

Based on 2.6% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

94/100

Price-to-income ratio of 2.4x. 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 (7.65%)
+Affordable relative to local incomes
+Complete rent data available

Challenges

-Negative leverage (cap rate 5.0% < mortgage rate 6.9%)

Economic Indicators

Population

108,670

Median Income

$58,339

vs $62,400 national est.

Unemployment Rate

—

Data pending

Price-to-Income

2.4x

Very affordable

Compare to Nearby Counties

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

The Bottom Line

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

Saint Lawrence County in New York scores 73/100, ranking #65 of 1,000 US counties (top 6%). The 7.65% rent-to-price ratio indicates moderate cash flow potential.

Monthly Cash Flow

$-154/mo

Cap Rate

5.0%

Cash-on-Cash

-5.7%

Ready to Analyze a Deal in Saint Lawrence?

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$139,884

Down Payment (20%)$27,977

Loan Amount$111,907

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$892

Monthly P&I-$733

Est. Expenses (35%)-$312

Net Cash Flow-$154/mo

5.0%

Cap Rate (all cash)

-5.7%

Cash-on-Cash Return

7.65%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 5.0% 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%)

76/100

Based on 7.65% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

76/100

Based on 2.6% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

94/100

Price-to-income ratio of 2.4x. Lower ratios indicate more affordable markets.

County

Verdict

HerkimerNY

$191,152

Est. pending

—

Buy

View

CurrentSaint LawrenceNY

$139,884

$892

7.65%

Buy

CattaraugusNY

$158,795

$1,089

8.23%

Buy

View

CortlandNY

$194,241

$1,156

7.14%

Buy

View

SteubenNY

$163,769

$1,332

9.76%

Buy

View

GeneseeNY

$215,279

Est. pending

—

Buy

View

The Bottom Line

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

Saint Lawrence County in New York scores 73/100, ranking #65 of 1,000 US counties (top 6%). The 7.65% rent-to-price ratio indicates moderate cash flow potential.

Monthly Cash Flow

$-154/mo

Cap Rate

5.0%

Cash-on-Cash

-5.7%