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

Saint Lawrence County has an investment score of 82/100, rated as "Strong Buy". The county ranks #1 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 9.54% annually, which ranks in the 97th 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 $150,602. This ranks #165 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 $11/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Saint Lawrence County

New YorkPopulation: 108,670

/100

Strong Buy

#1 of 1,000 counties

#1 in New York (62 counties)

Analysis by RentalCalcs ResearchIndependent data + algorithm-driven scoring

Updated August 31, 2026Sources: Zillow ZHVI, Zillow ZORI, US Census ACS, Tax Foundation

Market Snapshot

$150,602

Median Home Price

34% below national median

$1,197/mo

Median Rent

17% below national median

9.54%

Rent-to-Price Ratio

Top 3% nationally

-$11

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Scenario comparison

Same $1,197/mo rent assumption, 20% down, 6.85% rate. What changes is the acquisition price.

Scenario	Purchase price	Monthly cash flow	Cap rate	Cash-on-cash
75% of median value-add or distressed	$112,951	+$186/mo	8.3%	+8.6%
Median typical MLS deal	$150,602	-$11/mo	6.2%	-0.4%
125% of median newer / premium	$188,252	-$209/mo	5.0%	-5.8%

Price History

Median Home Price

Median Rent

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$150,602

Down Payment (20%)$30,120

Loan Amount$120,482

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,197

Monthly P&I-$789

Est. Expenses (35%)-$419

Net Cash Flow-$11/mo

6.2%

Cap Rate (all cash)

-0.4%

Cash-on-Cash Return

9.54%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 6.2% 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.

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Score Breakdown

Overall Investment Score

82/100

Cash Flow(30%)

95/100

Based on 9.54% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

87/100

Based on 5.4% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

98/100

Based on price relative to estimated local incomes.

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 (9.54%)
+Strong price appreciation (+5.4% YoY)
+Affordable relative to local incomes
+Complete rent data available

Challenges

-Negative leverage (cap rate 6.2% < mortgage rate 6.9%)

Economic Indicators

Population

108,670

Median Income

—

Data pending

Unemployment Rate

—

Data pending

Price-to-Income

—

Data pending

Who this market fits

Best for

+Appreciation buyers: YoY growth is meaningfully above the long-run average
+Value-add operators who can buy below median and force rent up

Skip if

−You can't tolerate negative leverage (cap rate below mortgage rate today)

Compare to Nearby Counties

County					Verdict
CurrentSaint LawrenceNY	82	$150,602	$1,197	9.54%	Strong Buy
BroomeNY	76	$187,106	$1,421	9.11%	Strong Buy	View
OneidaNY	75	$225,470	$1,472	7.84%	Strong Buy	View
SenecaNY	73	$210,142	Est. pending	—	Buy	View
ChemungNY	73	$151,982	$1,161	9.17%	Buy	View
CattaraugusNY	73	$158,795	$1,089	8.23%	Buy	View

The Bottom Line

Strong BuySaint Lawrence is a strong buy market with excellent fundamentals for buy-and-hold investors.

Saint Lawrence County in New York scores 82/100, ranking #1 of 1,000 US counties (top 0%). At 20% down and current rates, a median-priced rental roughly breaks even on cash flow (9.54% gross rent-to-price ratio). The deal works on appreciation or with better terms, not on month-one cash flow.

Monthly Cash Flow

$-11/mo

Cap Rate

6.2%

Cash-on-Cash

-0.4%

Related markets

Markets like Saint Lawrence with stronger cash flow

Head-to-head comparisons

All counties in New York →

Rent vs buy in New York cities

Rent vs buy in New York, NYMedian $1,182,636 · rent $4,367/mo Rent vs buy in Buffalo, NYMedian $282,437 · rent $1,371/mo Rent vs buy in Rochester, NYMedian $269,412 · rent $1,499/mo Rent vs buy in Yonkers, NYMedian $824,579 · rent $3,016/mo Rent vs buy in Syracuse, NYMedian $264,378 · rent $1,627/mo All New York citiesFull rent-vs-buy directory for the state

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