%
CapRateCity
Free cap rate calculators for every US market
MarketsNew YorkOlean

Cap Rate Analysis: Olean, NY

Investment metrics, interactive calculators, and data-driven analysis for Olean rental properties.

Market data powered by Zillow Home Value Index (ZHVI) and Zillow Observed Rent Index (ZORI) · Updated Feb 2026

Strong investment fundamentals
Based on $155,000 median price and $1,240/mo median rent
Est. Cap Rate
6.49%
1% Rule
0.80%
Fails
GRM
10.4x
Price / Income
3.5x

Market Data

Median Home Price$155,000
Median Monthly Rent$1,240
Property Tax Rate1.71%
Population50,000
Population Growth0% / yr
Median Household Income$43,975
Vacancy Rate6.3%
Annual Appreciation2.1%

Cap Rate Calculator — Olean

Pre-filled with Olean medians. Adjust to match a specific property.

Property Details
$
$
3–8% typical
%
Monthly Expenses
1.71% rate
$
$
8–10% of rent
$
8–12% of rent
$
Cap Rate
5.16%Moderate
Net Operating Income ÷ Purchase Price
NOI / Year
$7,991
net operating income
Gross Rent Multiplier
10.4x
Good (<15)
1% Rule
0.80%
✗ Fails
Monthly Cash Flow
$666
before debt service
Annual Breakdown
Gross Rental Income$14,880
Less Vacancy−$937
Effective Income$13,943
Less Operating Expenses−$5,952
Net Operating Income$7,991
Sponsored
Analyze Deals Faster with DealCheck
Import any property, get instant investment analysis — cap rates, cash flow, rehab estimates, and offer calculations. Used by 350,000+ investors.
Try DealCheck Free →

Cash-on-Cash Return — Olean

Factor in financing to see your actual return on invested capital in Olean.

$
$38,750
%
%
years
$
taxes + ins + maint + mgmt
$
$
Cash-on-Cash Return
-1.07%Weak
Annual Cash Flow ÷ Total Cash Invested
Total Cash Invested
$43,400
$38,750 down + $4,650 closing
Monthly Mortgage
$758
on $116K loan
Monthly Cash Flow
$-39
after all expenses
Annual Cash Flow
$-466
before taxes
Cash Flow Breakdown
Monthly Rent$1,240
Less Expenses−$521
Less Mortgage−$758
Monthly Cash Flow$-39

Is Olean a Good Place to Invest in Rental Property?

Olean, NY has a population of 50,000 and has been growing at 0% annually — roughly in line with national trends, meaning demand is stable but not exceptional. The median home price of $155,000 paired with median rents of $1,240/mo produces an estimated cap rate of 6.49%.

Property taxes at 1.71% are notably high and represent a significant drag on cash flow — model this expense carefully, as it can make or break a deal. The vacancy rate of 6.3% is moderate and within normal parameters for a healthy rental market.

At a price-to-income ratio of 3.5x, homes cost about 3.5 times the local median income of $43,975. This relatively affordable ratio suggests a deep pool of renters who find buying out of reach, supporting rental demand. Home values have appreciated at roughly 2.1% annually. Steady appreciation means total returns will be primarily cash flow-driven — the more sustainable model for long-term wealth building.

Bottom line: Olean offers attractive fundamentals for rental investors. and cap rates above 6% put it in the upper tier of investable markets.

Sponsored
Get AI-Powered Property Insights
Homesage.ai analyzes 140 million properties with AI — spot hidden deals, assess property condition, and find investment opportunities. Free to try.
Analyze Properties →

Olean Investment Guides

Explore Olean Data

Free Download
Top 25 Cash Flow Cities (2026)
See how Olean compares to the best cash flow markets in America.
Get the Report →
Sponsored
Investor Gear
Google Nest Thermostat
Google
$130
FLIR ONE Gen 3 Thermal Camera
FLIR
$179
Schlage Connect Keypad Deadbolt
Schlage
$229
The CapRateCity Report
Weekly market analysis: highest cap rate cities, emerging markets, and deal breakdowns. Free, no spam.

Similar Markets in the Northeast

Corning, NY$160K · $1,280/mo
6.5%
Elmira, NY$150K · $1,220/mo
6.6%
Pottsville, PA$155K · $1,160/mo
6.3%
Ogdensburg, NY$135K · $1,050/mo
6.2%
New Castle, PA$155K · $1,140/mo
6.1%
Run a BRRRR analysis for Olean
Model a buy-rehab-refinance deal with Olean data pre-loaded.
Open BRRRR Calculator →