Triplex
513 Nichols · Utica, NY
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $473 – $860
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $691 – $1,283
Heat risk 3/10 · Minor
- Hot days now (above 95°F)
- 7 days/yr
- Hot days in 30 yrs
- 18 days/yr
Wind risk 2/10 · Minimal
- Chance of severe wind over 30 yrs
- 1.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 1 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the A grade
The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).
- Cash flow +30.0/30.0
- ARV discount +15.0/15.0
- 1% rule +10.0/10.0
- DSCR +10.0/10.0
- Appreciation +10.0/10.0
- Schools +4.9/10.0
- Livability +4.0/5.0
- Rent growth +2.5/5.0
- Condition / age +2.2/5.0
$175,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Multi-family units
County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 3 units. confirmed
Listing remarks MLS
This 3 family house features a 3 bedroom, 2 bedroom and 1 bedroom apartment. Each apartment has separate utilities. The upstairs apartment is a spacious 3 bedroom, with updated kitchen, laundry hookups and a large porch area. This house has new blacktop driveway, garage and private yard and plenty of parking for the new owners or tenants.
Key facts
- Private porch
- Tenant parking
- Three family home
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2×2bd/1.0ba + 1×1bd/1.0ba units multifamily listed at $175k. Condition is rated fair.
Deal economics
- At list price, monthly cash flow is $2k ($25k/yr) — positive. Per door: $699/mo.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($4k rent vs $175k).
- Recommended offer: $154k (12.0% below list) — sets the bar for market timing.
Location & tenants
- Location reads 80/100 on livability (#104 in NY, #1,589 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: employment D, crime F.
- Utica City School District (urban): math 33% / reading 38% proficiency, ranked #562 of 590 in NY (top 95%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 71% free/reduced lunch — lower-income household profile, screen leases tightly.
- Zoned schools: Albany Elementary School (math 37% / reading 48%, grade F, #1,356 of 2,108 statewide, top 64%, 513 students, 75% FRL); John F Kennedy Middle School (math 27% / reading 35%, grade F, #534 of 729 statewide, top 73%, 695 students, 77% FRL); Thomas R Proctor High School (math 86% / reading 62%, grade B+, #659 of 1,100 statewide, top 60%, 2,675 students, 76% FRL) — zoned schools at 76% FRL track the district average.
- Zoned-school proficiency averages 49% at this address vs 36% district-wide (+14 pts) — the actual schools serving this property are materially stronger than the Utica City School District average implies; a family-tenant draw the district grade alone would hide.
- Market conditions: 260 active listings in the ZIP; 204 units permitted in Oneida County in 2024 (68 in 5+ unit buildings).
Forward outlook
- In year one you build about $19k of equity ($1k loan paydown + $18k appreciation (10.0% local appreciation)).
- Oneida County population projected at -12% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
- At projected returns (10.0% appreciation + 3.0% rent growth), your $49k cash investment doubles in ~2 years — after that, you're playing with house money.
- By year 2, paydown + projected appreciation supports a ~$30k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.
Negotiation context
- It's been on market 129 days — a 12% lower offer ($154k) is reasonable based on typical stale-listing flexibility.
- 5 sale attempts since 11y ago; this cycle's ask has dropped $10k (5%) from the opening price — seller is motivated, your offer sets the floor, not the list.
- Current owner paid $130k; 35% above their basis — modest negotiation headroom, anchor on the comps not their cost.
Risks & watch-outs
- Watch-outs: built in 1872 — expect roof / HVAC / electrical / plumbing capex.
Questions for the listing agent
- It's been on market 129 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- Can we see the unit-by-unit rent roll, current vacancy, and any below-market leases? What's the average tenancy length?
- What capital expenditures (roof, boiler, parking lot, exteriors) have been made in the last 5 years, and what's planned in the next 2?
- Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
- Built in 1872 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
- Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
- What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
- What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
- How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.
Investment metrics
- 1% rule
- 2.33% ✓
- Cap rate
- 20.68%
- Cash-on-cash
- 51.38%
- DSCR
- 3.29
- GRM
- 3.6
CMA / ARV
- ARV (median comp)
- $295,771
- List price
- $175,000
- Delta
- -40.83%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 935 Jay St | 0.13mi | 6/2.0 | 2,474 (-7%) | 4mo | $102,500 | $41 | 75 |
| 923 Rutger St | 0.26mi | 6/2.0 | 2,600 (-2%) | 8mo | $245,500 | $94 | 73 |
| 771 Blandina St | 0.29mi | 6/2.0 | 2,473 (-7%) | 1mo | $174,000 | $70 | 69 |
| 518 Wetmore St | 0.24mi | 6/2.0 | 2,530 (-5%) | 15mo | $201,000 | $79 | 64 |
| 1141 Hilton Ave | 0.67mi | 6/2.0 | 2,700 (+1%) | 2mo | $215,000 | $80 | 61 |
| 1020 Tilden Ave | 0.46mi | 6/2.0 | 2,508 (-6%) | 8mo | $230,000 | $92 | 58 |
| 810 South St | 0.50mi | 6/2.0 | 2,452 (-8%) | 11mo | $195,000 | $80 | 50 |
| 1222 Mummery St | 0.49mi | 5/2.0 (-1) | 2,401 (-10%) | 10mo | $195,000 | $81 | 44 |
| 1010 Morris St | 0.66mi | 5/2.0 (-1) | 2,512 (-6%) | 11mo | $280,000 | $111 | 41 |
| 709 Catherine St | 0.54mi | 6/2.0 | 2,376 (-11%) | 15mo | $125,000 | $53 | 40 |
| 914 Eagle St | 0.75mi | 6/2.0 | 2,400 (-10%) | 8mo | $150,000 | $63 | 38 |
| 1154 Leeds St | 0.73mi | 5/3.0 (-1) | 2,422 (-9%) | 14mo | $228,000 | $94 | 34 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
10.0% appreciation · 3.0% rent growth · sell at horizon
- IRR
- 64.8%
- Equity multiple
- 5.67×
- Total profit
- $228,955
- Equity at exit
- $157,654
- IRR
- 58.4%
- Equity multiple
- 12.62×
- Total profit
- $569,159
- Equity at exit
- $339,987
Cash invested: $49,000 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 15 Strongly Tenant-Friendly
- State New York
- 15 Strongly Tenant-Friendly · D+10
- County
- — inherits STATE
- City
- — inherits STATE
Active competition Active MLS
- For sale now
- 5 active · 16 under contract
- Months of supply
- 4.3 mo (23%/mo absorbed)
- Median asking
- $229,000 ($108/sqft)
- Median days on market
- 80 d
- This list price
- 20% of active listings are priced below it
- ARV vs active asking
- +2.2% vs current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 13501
- Home prices YoY
- 5.6%
- Active inventory
- 260
- Price-to-rent
- 10.4×
Monthly cashflow live
- Estimated rent
- $4,077 high interval (Pro) →
- Mortgage (P&I)
- −$918
- Tax from tax record
- −$132 /mo · $1,584/yr
- Insurance
- −$73
- HOA
- −$0
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$856
- Net cashflow
- $2,098
3-unit breakdown (identical units grouped — click to expand)
| Units | Beds | Baths | Est. rent |
|---|---|---|---|
| 2× units | 2 | 1 | $2,812 |
| #1 | 2 | 1 | $1,406 |
| #2 | 2 | 1 | $1,406 |
| 1× unit | 1 | 1 | $1,265 |
| Total (3 units) | $4,077 | ||
Break-even live
Sensitivity live
| Price | -10% $2,197 | -5% $2,148 | +0% $2,098 | +5% $2,049 | +10% $1,999 |
|---|---|---|---|---|---|
| Rent | -10% $1,776 | -5% $1,937 | +0% $2,098 | +5% $2,259 | +10% $2,420 |
| Rate | -1.0pp $2,186 | -0.5pp $2,143 | base $2,098 | +0.5pp $2,053 | +1.0pp $2,007 |
UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt
Financing live
Cash to close
- Down payment
- $43,750
- Closing costs
- $5,250
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 29 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 401 Nichols St Unit 401 Nichols 1 bedroom lower Utica, NY | 1.0 | 1.0 | — | $900 | — | 2d | 1 | 0.10mi |
| 1004 Jay St Utica, NY | 3.0 | 1.0 | — | $1,200 | — | 139d | 1 | 0.10mi |
| 1324 Blandina St Utica, NY | 2.0 | 1.0 | — | $1,150 | — | 139d | 1 | 0.33mi |
| 742 Jay St Unit 3 Utica, NY | 1.0 | 1.0 | — | $926 | — | 6d | 1 | 0.39mi |
| 323 Saint Anthony St Apt 2 Utica, NY | 1.0 | 1.0 | 500 | $1,200 | $2.40 | 2d | 1 | 0.40mi |
| 1015 White Pl Utica, NY | 2.0 | 1.0 | — | $1,700 | — | 139d | 1 | 0.47mi |
| 1017 White Pl Utica, NY | 2.0 | 1.0 | — | $1,700 | — | 139d | 1 | 0.47mi |
| 710 Blandina St Apt 2 Utica, NY | 2.0 | 1.0 | 800 | $1,000 | $1.25 | 2d | 1 | 0.48mi |
| 674 Bleecker St Utica, NY | 1.0 | 1.0 | — | $1,100 | — | 6d | 1 | 0.51mi |
| 662 Bleecker St Utica, NY | 1.0 | 1.0 | 900 | $1,100 | $1.22 | 6d | 1 | 0.52mi |
| 641 South St Unit 2nd Fl Utica, NY | 2.0 | 1.0 | — | $1,100 | — | 140d | 1 | 0.67mi |
| 807 Eagle St Utica, NY | 3.0 | 1.0 | 1526 | $1,300 | $0.85 | 139d | 1 | 0.76mi |
| 1121 Saint Vincent St #2 Utica, NY | 2.0 | 1.0 | 1000 | $1,400 | $1.40 | 6d | 1 | 0.81mi |
| 421 Broad St Unit 18 Utica, NY | 2.0 | 2.0 | 1750 | $2,395 | $1.37 | 6d | 1 | 0.82mi |
| 400 Lansing St Unit 2 Utica, NY | 2.0 | 1.0 | 1700 | $1,200 | $0.71 | 6d | 1 | 0.90mi |
| 310 Broad St Apt 202 Utica, NY | 1.0 | 1.0 | 1350 | $1,750 | $1.30 | 6d | 1 | 0.96mi |
| 310 Broad St Apt 205 Utica, NY | 2.0 | 2.0 | 1690 | $2,100 | $1.24 | 6d | 1 | 0.97mi |
| 1124 Dudley Ave Unit 1 Utica, NY | 3.0 | 1.0 | 1300 | $1,250 | $0.96 | 2d | 1 | 1.04mi |
| 221 Elizabeth St #2 Utica, NY | 2.0 | 1.0 | 1100 | $2,000 | $1.82 | 140d | 1 | 1.08mi |
| 221 Elizabeth St Unit 1 Utica, NY | 1.0 | 1.0 | 950 | $1,500 | $1.58 | 139d | 1 | 1.08mi |
| 70 Genesee St Utica, NY | 1.0 | 1.0 | — | $1,600 | — | 1d | 1 | 1.10mi |
| 119 Hotel St Utica, NY | 1.0–2.0 | 1.0–2.0 | 902 | $2,400 | $2.66 | 1d | 13 | 1.14mi |
| 171 Genesee St Utica, NY | 2.0 | 1.0 | — | $2,000 | — | 139d | 1 | 1.16mi |
| 106 Hotel St Unit 1 Utica, NY | 2.0 | 2.0 | 1350 | $2,200 | $1.63 | 5d | 1 | 1.18mi |
| 520 Seneca St Apt 302 Utica, NY | 2.0 | 1.0 | 1650 | $2,395 | $1.45 | 6d | 1 | 1.24mi |
| 239 Genesee St Utica, NY | 1.0–2.0 | 1.0–2.0 | 1200 | $2,700 | $2.25 | 1d | 15 | 1.28mi |
| 230 Genesee St Unit 228 Utica, NY | 1.0 | 1.0 | 28374 | $1,800 | $0.06 | 139d | 1 | 1.29mi |
| 230 Genesee St Utica, NY | 1.0 | 1.0 | 850 | $1,600 | $1.88 | 1d | 1 | 1.29mi |
| 1017 Park Ave Unit 2F Utica, NY | 2.0 | 1.0 | — | $1,200 | — | 139d | 1 | 1.29mi |
Property features AI
Finance
- Financial info
- Multifamily property with 3 total unitsEach unit has separate gas and electric metersCurrent rents reported: $1,100 (3-bed), $950 (2-bed), $600 (1-bed)Owner pays water; water included in rentOperating expenses include insurance, building maintenance, snow removal, and water/sewer
Exterior
- Parking
- Garage with 1 garage spaceTwo or more parking spaces
- Utilities
- Public water connectedSewer connectedCable availableCircuit breaker electrical service
- Home design
- 2-story multifamily buildingResale property
- Construction
- Asphalt roofVinyl sidingAttic/crawl hatchway(s) insulated
- Exterior features
- Covered porch
Interior
- Kitchen
- Oven/rangeRefrigeratorDining area with kitchen in each unit
- Bedrooms
- Three 3-bedroom units total (one unit with 3 bedrooms)One 2-bedroom unitOne 1-bedroom unit
- Flooring
- HardwoodLaminateVaries by area/unit
- Bathrooms
- Three full bathrooms (one in each unit)
- Heating & cooling
- Gas forced-air heatingGas water heater
- Interior features
- Ceiling fan(s)Hardwood, laminate, and varied flooring throughoutFull basement
- Laundry & utility
- Washer hookupOne unit includes in-unit laundry
Listing history 50 events
-
2026-09-24days on market $175,000 Active 129 DOM
-
2026-09-24days on market $175,000 Active 128 DOM
-
2026-09-22days on market $175,000 Active 127 DOM
-
2026-09-20days on market $175,000 Active 125 DOM
-
2026-09-18days on market $175,000 Active 123 DOM
-
2026-09-17days on market $175,000 Active 122 DOM
-
2026-09-16days on market $175,000 Active 121 DOM
-
2026-09-15days on market $175,000 Active 120 DOM
-
2026-09-14days on market $175,000 Active 119 DOM
-
2026-09-13days on market $175,000 Active 118 DOM
-
2026-09-12days on market $175,000 Active 117 DOM
-
2026-09-11days on market $175,000 Active 116 DOM
-
2026-09-05days on market $175,000 Active 110 DOM
-
2026-09-04days on market $175,000 Active 109 DOM
-
2026-09-03days on market $175,000 Active 108 DOM
-
2026-09-02days on market $175,000 Active 107 DOM
-
2026-08-30days on market $175,000 Active 104 DOM
-
2026-08-29days on market $175,000 Active 103 DOM
-
2026-08-28days on market $175,000 Active 102 DOM
-
2026-08-27days on market $175,000 Active 101 DOM
-
2026-08-26days on market $175,000 Active 100 DOM
-
2026-08-25days on market $175,000 Active 99 DOM
-
2026-08-24days on market $175,000 Active 98 DOM
-
2026-08-23days on market $175,000 Active 97 DOM
-
2026-08-22days on market $175,000 Active 96 DOM
-
2026-08-21days on market $175,000 Active 95 DOM
-
2026-08-20days on market $175,000 Active 94 DOM
-
2026-08-19days on market $175,000 Active 93 DOM
-
2026-08-18days on market $175,000 Active 92 DOM
-
2026-08-17days on market $175,000 Active 91 DOM
-
2026-08-16days on market $175,000 Active 90 DOM
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2026-08-15days on market $175,000 Active 89 DOM
-
2026-08-14days on market $175,000 Active 88 DOM
-
2026-08-13days on market $175,000 Active 87 DOM
-
2026-08-12days on market $175,000 Active 86 DOM
-
2026-08-11days on market $175,000 Active 85 DOM
-
2026-08-10days on market $175,000 Active 84 DOM
-
2026-08-09days on market $175,000 Active 83 DOM
-
2026-08-08days on market $175,000 Active 82 DOM
-
2026-08-07days on market $175,000 Active 81 DOM
-
2026-08-06days on market $175,000 Active 80 DOM
-
2026-08-05days on market $175,000 Active 79 DOM
-
2026-08-04days on market $175,000 Active 78 DOM
-
2026-08-03days on market $175,000 Active 77 DOM
-
2026-07-31days on market $175,000 Active 74 DOM
-
2026-07-29days on market $175,000 Active 72 DOM
-
2026-07-27days on market $175,000 Active 70 DOM
-
2026-07-25days on market $175,000 Active 68 DOM
-
2026-07-23days on market $175,000 Active 66 DOM
-
2026-07-22days on market $175,000 Active 65 DOM
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast NY · Partial reset (capped growth)
- Current annual tax
- $1,584 · $132/mo
- Projected year-2 tax
- $2,271 · $189/mo
- Expected delta
- +$687/yr (+$57/mo · 43.4%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 3/10 Moderate 7 d/yr ≥95°F today · 18 d/yr by 30 yrs out
- Wind 2/10 Low 100% chance of damaging wind over 30 yrs
- Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
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Taxation est. · year 1
- Rental income
- $48,924
- − Mortgage interest
- −$9,803
- − Property taxes
- −$1,584
- − Insurance
- −$875
- − Repairs & maintenance
- −$3,914
- − Management
- −$3,914
- − Depreciation
- −$5,091
- Taxable income
- $23,744
- Est. tax owed @ 24.0%
- −$5,699
- After-tax cash flow
- $19,480/yr
For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.
Condition & rehab AI · 9 photos
This three-family home requires moderate renovations to improve its condition and increase its value. Key areas for improvement include the kitchen, bathrooms, and exterior. Upgrading these areas will significantly enhance its appeal to both buyers and renters.
Components & finishes AI
Deferred maintenance Est. $2,500–$10,000 screening
- Minor Roof (roof) — No visible signs of damage or wear
- Minor Windows (windows) — No visible signs of damage or wear
- Minor Electrical (electrical) — No visible signs of damage or wear
- Minor Plumbing (plumbing) — No visible signs of damage or wear
- Minor Exterior (exterior) — No visible signs of damage or wear
Repairs flagged
- Major kitchen cabinets — severely outdated and in poor condition
- Major bathroom fixtures — dated and in poor condition
- Moderate roof shingles — visible wear and tear
- Moderate exterior siding — weathered and discolored
- Major kitchen countertops — worn and outdated
- Major wood flooring — worn and in poor condition
Value-add opportunities
- Both update kitchen cabinets and countertops — modernizing the kitchen will improve both resale and rental value ↑
- Both update bathrooms — modernizing the bathrooms will improve both resale and rental value ↑
- Both paint exterior — painting the exterior will improve curb appeal and increase both resale and rental value ↑
ⓘ Rehab cost is a screening estimate — Moderate scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.
Zoned Schools
Schools (NCES district)
- District
- Utica City School District
- NCES district ID
- 3629370
- Math proficiency
- 33% ▼ -7.00%
- Reading proficiency
- 38% ▲ 2.00%
- Median HH income
- $31,834
- Composite
- 29.01/100
- National rank
- #6613
- State rank
- #562 of 590 in NY
Livability — Utica
- Score
- 80/100
- State rank
- #104
- US rank
- #1589
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Utica, NY
- County
- Oneida County · 225,223 people
- City population
- 72,968
- Metro
- Utica-Rome, NY
- Population (ZIP)
- 38,931
- Household income
- $52,548
- Rent vs Own
- Severe rent burden
- 8% of renters
Population outlook (Oneida County) Hauer SSP2
- Today (2025)
- 225,223 people
- By 2030
- 220,384 · -2.1%
- By 2040
- 209,071 · -7.2%
- By 2050
- 197,920 · -12.1%
- By 2075
- 175,541 · -22.1%
- By 2100
- 148,491 · -34.1%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Highly diverse neighborhood (Simpson 0.70)
- Race & ethnicity
- White 49% Two or more races 15% Hispanic / Latino 14% Black 14% Asian 14%
- Hispanic origin (detail)
- Puerto Rican 8% Dominican 4%
- Common ancestry
- American 8% Romanian 3% Lithuanian 1%
- Foreign-born
- 25% · Canada, Philippines, Vietnam
- Languages at home
- 62% English-only · Other Asian/Pacific 11% Russian/Polish/Slavic 10% Spanish 9%
Political lean MEDSL · Oneida
- 2024 margin
- Strong R (+21.3) · D 39.4% · R 60.6%
- 2008→2024 swing
- -15.2pp toward R · 2008: -6.1pp · 2024: -21.3pp
- All cycles
- 2024: R+21.3 2020: R+15.5 2016: R+21.1 2012: R+5.3 2008: R+6.1
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▲ 20.28%
- Current HPI
- 382.3726
- Rent YoY
- —
- Metro
- Utica-Rome, NY
- State GDP YoY
- ▲ 2.60%
- F500 in state
- 92
Industry mix (Fortune 500 HQ in NY)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Financial Services | 10 | $950B |
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| Consumer Goods | 9 | $162B |
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| Insurance | 4 | $225B |
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| Telecommunications | 2 | $144B |
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| Pharmaceuticals | 2 | $112B |
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| Media / Entertainment | 2 | $69B |
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Price history
+483.3% since first listed15 events — show timeline
- 2026-07-07 Price Changed $175,000 CNYIS
- 2026-05-18 Listed $184,900 CNYIS
- 2021-09-03 Sold (Public Records) $130,000 Public Records
- 2021-08-27 Sold (MLS) $130,000 CNYIS
- 2021-05-28 Listing Removed — CNYIS
- 2021-05-26 Listed $139,900 CNYIS
- 2019-11-26 Listing Removed — CNYIS
- 2019-08-07 Sold (Public Records) $100,000 Public Records
- 2019-05-28 Listed $98,900 CNYIS
- 2017-05-26 Sold (MLS) $62,500 CNYIS
- 2017-05-12 Sold (Public Records) $62,500 Public Records
- 2016-05-01 Listed $68,000 CNYIS
- 2015-08-17 Listing Removed — CNYIS
- 2015-02-17 Listed $64,900 CNYIS
- 2006-10-19 Sold (Public Records) $30,000 Public Records
Property tax history
+4.0%/yrLatest (2025): $1,584 · +5.6% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…