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Investment - Homes for Sale in Binghamton, NY

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  • /6

    $280,000

    • 6 Beds
    • 6 Baths
    • 3,356 Sq Ft

    123 Oak St, Binghamton, NY 13905

    Six units, one smart investment! This fully occupied six-unit apartment building features all one-bedroom apartments and is located on Binghamton's desirable West Side, an area known for strong rental demand. Zoned R-3 and conveniently located near downtown Binghamton, Binghamton University, public transportation, shopping, and restaurants, this property offers both convenience and long-term

    Agent Photo

    Cary Turner

    WARREN REAL ESTATE (Vestal)

    123 Oak St, Binghamton, NY 13905
  • /24

    $334,000

    $5K PRICE DROP
    • 12 Beds
    • 5 Baths
    • 3,926 Sq Ft

    12 & 14 Blanchard Ave, Binghamton, NY 13901

    Exceptional 5 unit investment opportunity featuring brand-new metal roofing with a 50-year transferable warranty, each building has a detached two-car garage that can be rented for additional income, all 5 units have had the same tenants for over 6 years each and 12 Blanchard has the potential to add an additional 6th unit. Pictures of the large unfinished attic with rear entrance are in listing.

    Agent Photo

    Melissa Coolbaugh

    WARREN REAL ESTATE (Vestal)

    12 & 14 Blanchard Ave, Binghamton, NY 13901
  • /13

    $179,000

    • 6 Beds
    • 2 Baths
    • 1,853 Sq Ft

    12 Burton Ave, Binghamton, NY 13904

    Take a look at this fully occupied two-family investment property on Binghamtons East Side! 1 - two-bedroom unit and 1- three-bedroom unit, this well-cared-for property has a new roof and new electrical panels. Tenants pay their own gas and electric, while the landlord pays for hot water. There are also three separate gas meters. See that beautiful hardwood Floor? There is some vinyl flooring in

    Agent Photo

    Cary Turner

    WARREN REAL ESTATE (Vestal)

    12 Burton Ave, Binghamton, NY 13904
  • /20

    $189,000

    $26K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,800 Sq Ft

    5 True Ave, Binghamton, NY 13905

    Well-Maintained Duplex – Fully Occupied Investment OpportunityThis well-cared-for duplex is located on a quiet dead-end street and features a huge yard, perfect for tenant enjoyment and added tenant appeal. Both units are fully occupied with tenants who have a strong rental history and are current on rent, providing immediate and steady income for the new owner.The property also

    Dunja Hadziabdic CENTURY 21 NORTH EAST

    5 True Ave, Binghamton, NY 13905
  • /25

    $498,000

    $27K PRICE DROP
    • 8 Beds
    • 7 Baths
    • 4,800 Sq Ft

    17 Holland St, Binghamton, NY 13905

    7-UNIT MULTIFAMILY INVESTMENT OPPORTUNITY: Seven-unit opportunities like this don't come up often — six 1-bedroom units and one 2-bedroom, all separately metered, keeping your overhead low and your management simple. Add low property taxes into the mix, and this is a rare chance to own a multifamily asset with real numbers behind it. Many updates throughout. Located near downtown with direct

    Michele DePrato 4HG Real Estate

    17 Holland St, Binghamton, NY 13905
  • /2

    $120,000

    $10K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 1,154 Sq Ft

    16 Grand St, Binghamton, NY 13903

    Welcome to 16 Grand Street on Binghamton's South Side! This charming two-story single-family home features 3 bedrooms and 1 full bathroom, offering plenty of space and comfort. Conveniently located close to local amenities, shopping, restaurants, schools, and major roadways, this property provides easy access to everything Binghamton has to offer. Whether you are looking for a place to call home

    John Farrell EXIT REALTY HOMEWARD BOUND

    16 Grand St, Binghamton, NY 13903
  • /7

    $350,000

    • 6 Beds
    • 3 Baths
    • 2,643 Sq Ft

    39 Saint John Ave, Binghamton, NY 13905

    Well-located TURN-KEY Student housing on Binghamton's West Side, fully rented through May 2027! Local Management will continue. A great addition to any investment portfolio This property is part of a larger portfolio that includes 39 St. John Ave, 56.5 Leroy St, 79 Oak St, 101 Oak St, and 79 Murray St. The financial information provided reflects actual rental income and operating expenses and is

    John Farrell EXIT REALTY HOMEWARD BOUND

    39 Saint John Ave, Binghamton, NY 13905
  • /18

    $249,900

    • 6 Beds
    • 2.5 Baths
    • 2,352 Sq Ft

    55 Tompkins St Unit 57, Binghamton, NY 13903

    Excellent multi-family investment opportunity located at 55 Tompkins, conveniently situated just one block from public transportation. The property features a vacant left unit with 3 bedrooms and 1 full bathroom—ideal for immediate move-in or a quick turn-key rental. The right unit features 3 bedrooms and 1.5 bathrooms with an established tenant currently on a month-to-month lease generating

    MD Rajaul Karim EXIT REALTY HOMEWARD BOUND

    55 Tompkins St Unit 57, Binghamton, NY 13903
  • /5

    $175,000

    • Land
    • 23,958 Sq Ft
    • $318,182 per Acre

    74 Front St, Binghamton, NY 13905

    Exceptional opportunity to own approximately 0.55 acres of highly visible riverfront property on Front Street in Binghamton. Ideally located just minutes from Binghamton University, downtown Binghamton, major highways, shopping, restaurants, and local amenities, this level parcel offers outstanding potential for future development or investment (subject to municipal approvals). With valuable

    Susan Criscitello Kartar Realty

    74 Front St, Binghamton, NY 13905
  • /15

    $125,000

    $14K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,424 Sq Ft

    5 Julian St, Binghamton, NY 13905

    Great opportunity for an owner-occupant or investor! This well-located duplex features two 2-bedroom, 1-bath units, offering flexibility to live in one unit while renting the other or add a solid income-producing property to your investment portfolio. Conveniently located near shopping, restaurants, schools, and the bus route, making commuting a breeze. The property will be delivered vacant prior

    Amy Valls EXIT REALTY HOMEWARD BOUND

    5 Julian St, Binghamton, NY 13905
  • /49

    $179,000

    • 4 Beds
    • 3 Baths
    • 1,736 Sq Ft

    40 La Grange St, Binghamton, NY 13905

    This well-maintained three-family property offers strong income potential and is fully leased for the current year, providing income from day one. The property features a spacious two-bedroom apartment along with two one-bedroom apartments. Garage space is currently included with the two-bedroom tenants. Set in a quiet, serene location, the property offers an appealing residential setting while

    Daniel Williams WARREN REAL ESTATE (FRONT STREET)

    40 La Grange St, Binghamton, NY 13905
  • /36

    $856,500

    $4K PRICE DROP
    • 16 Beds
    • 10 Baths
    • 7,904 Sq Ft

    327 Main St, Binghamton, NY 13905

    Offered for sale is a 10-unit multifamily property located on Main Street in Binghamton's West Side. The building consists of six 2-bedroom apartments and four 1-bedroom apartments and has benefited from recent updates and improvements. Commercially zoned and approved for student housing, the property offers flexibility to serve both the student and traditional rental markets. Additionally,

    Scott Warren INNOVATIVE COMMERCIAL ADVISORS

    327 Main St, Binghamton, NY 13905
  • /37

    $155,000

    • 6 Beds
    • 3 Baths
    • 1,975 Sq Ft

    299 Robinson St, Binghamton, NY 13904

    Welcome to an absolute GEM of a multi-family home, cherished and meticulously maintained by the same family for generations. Conveniently located next to Fairview Park and just a few blocks from schools stores, and amenities at your doorstep. Inside, you will find a rare blend of enduring care and New mechanical updates, boasting a newer roof, windows, furnaces, hot water tanks, and the luxury of

    Briana Cardin-Rogers HOWARD HANNA

    299 Robinson St, Binghamton, NY 13904
  • /9

    $85,000

    $20K PRICE DROP
    • 5 Beds
    • 2 Baths
    • 1,850 Sq Ft

    9 Doubleday St, Binghamton, NY 13901

    Great investment opportunity to add a property with strong rental potential to your portfolio in Binghamton. This spacious 5-bedroom, 2-bath home features two floor living, with a large kitchen and multiple family rooms. Conveniently located just minutes from shopping, schools and a park making it attractive for tenants and future investment potential. Whether you’re looking for your first

    Vincent Saraceno HOWARD HANNA

    9 Doubleday St, Binghamton, NY 13901
  • /39

    $250,000

    $25K PRICE DROP
    • 6 Beds
    • 3 Baths
    • 2,238 Sq Ft

    13 Crandall St, Binghamton, NY 13905

    You can't miss this big PINK house! Expand your portfolio with this income producing three unit property located in the R3 Zone. Offering immediate cash flow, this property features three separate rental units, providing diversified income streams while reducing vacancy risk. Coin-operated laundry is on site, providing convenience for tenants and additional revenue for the landlord. Ideal for

    Liam Mallon WARREN REAL ESTATE (FRONT STREET)

    13 Crandall St, Binghamton, NY 13905
  • /16

    $850,000

    • 30 Beds
    • 13 Baths
    • 1 Sq Ft

    7 Houses Portfolio- See Attached List, Binghamton, NY 13905

    Value-add investment opportunity with significant upside potential. Portfolio includes seven residential properties, five of which are currently vacant, and two occupied units providing existing rental income. Excellent opportunity for investors seeking to rehab, stabilize, and maximize returns. Properties included: 32 Brown Street (Johnson City), 17 Way Street, 34 Pearne Street, 162 Murray

    John Farrell EXIT REALTY HOMEWARD BOUND

    7 Houses Portfolio- See Attached List, Binghamton, NY 13905
  • /27

    $149,999

    $13K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 980 Sq Ft

    185 S Washington St, Binghamton, NY 13903

    South Side home available now! Owners have done some updates since first listed. Enjoy this one-level living in this well-maintained 3-bedroom, 1-bath home located on Binghamton's desirable Southside! Priced under $150k, this home offers beautiful views and a peaceful setting surrounded by wooded areas where wildlife is often seen. Step onto the front deck and relax while taking in the scenic

    Amy Valls EXIT REALTY HOMEWARD BOUND

    185 S Washington St, Binghamton, NY 13903
  • /13

    $340,000

    • 8 Beds
    • 3,605 Sq Ft

    116 Murray St, Binghamton, NY 13905

    116 Murray Street presents a compelling value-add opportunity in Binghamton’s established West Side student-housing market. The property will be delivered vacant and sold in as-is condition, allowing a new owner to renovate and lease the property according to their investment strategy. Offered at approximately $42,500 per bed, it is priced below the approximately $60,000-per-bed benchmark for

    Scott Warren INNOVATIVE COMMERCIAL ADVISORS

    116 Murray St, Binghamton, NY 13905
  • /6

    $149,000

    $10K PRICE DROP
    • 5 Beds
    • 3 Baths
    • 2,291 Sq Ft

    20 Cypress St, Binghamton, NY 13905

    Welcome to 20 Cypress!! This is a great opportunity to own a 3 family investment property, fully occupied, with good rental income!!! Located in the first ward of the City of Binghamton, this is the perfect addition to your investment portfolio! New updates & renovations to all 3 apartments, as well as updated furnaces and hot water tanks. A lot of great upside of this property! Schedule a

    Erin Micha SALL REAL ESTATE

    20 Cypress St, Binghamton, NY 13905
  • /13

    $204,900

    • 5 Beds
    • 2 Baths
    • 2,598 Sq Ft

    23 Stuyvesant St, Binghamton, NY 13901

    Turnkey student rental investment opportunity in Downtown Binghamton generating $2,600 per month in rental income, with lease commitments already in place through 2027. Currently occupied by a student group leasing the entire building, this duplex offers immediate cash flow and established rental demand in one of Binghamton’s most active student housing markets.The property offers a

    Amity Deubler eXp REALTY

    23 Stuyvesant St, Binghamton, NY 13901
  • /34

    $219,888

    $27K PRICE DROP
    • 3 Beds
    • 3 Baths
    • 2,860 Sq Ft

    654 Chenango St, Binghamton, NY 13901

    EXCEPTIONAL MIXED-USE TRIPLEX INVESTMENT IN THE VILLAGE OF PORT DICKINSON SOLID 1960-BUILT MIXED-USE PROPERTY OFFERING 2,860 SQ FT OF TOTAL SPACE WITH THREE INCOME-PRODUCING UNITS AND STRONG CURRENT CASH FLOW. CURRENTLY GENERATING $2,620 PER MONTH ($31,440 ANNUALLY)...... Unit Breakdown ----- First Floor Front - Beauty Salon (approx. 460 sq ft): Updated electric, mini-split heating & cooling,

    Joseph Lombardo LOMBARDO HOMES & ESTATES

    654 Chenango St, Binghamton, NY 13901
  • /28

    $140,000

    $17K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 2,316 Sq Ft

    12 Jay St, Binghamton, NY 13901

    Excellent investment opportunity or owner-occupant property! This well-maintained 2-family home is nestled in a quiet Binghamton neighborhood while offering the convenience of being centrally located near shopping, restaurants, parks, schools, and major roadways. First floor features 2 bedrooms, a spacious living room, and a formal dining room. The second-floor apartment also includes a huge

    Amy Valls EXIT REALTY HOMEWARD BOUND

    12 Jay St, Binghamton, NY 13901
  • /8

    $650,000

    • 12 Beds
    • 5,706 Sq Ft

    11 Mather St, Binghamton, NY 13905

    Welcome to 11.5 Mather Street, an exceptional investment opportunity in the heart of Binghamton's thriving rental housing market.This fully renovated 6-unit apartment building features 12 bedrooms and 6 full bathrooms, offering investors a stable, income-producing asset from day one.With 5 of the 6 units occupied, providing immediate rental income with a proven history of strong student

    Stephanie Edson KELLER WILLIAMS REALTY GREATER BINGHAMTON

    11 Mather St, Binghamton, NY 13905
  • /17

    $2,850,000

    $149K PRICE DROP
    • 38 Beds
    • 25 Baths
    • 23,654 Sq Ft

    99 Oak St, Binghamton, NY 13905

    Fully renovated 24-unit, 40-bed multifamily investment property located in Binghamton's established student housing market. The property has undergone approximately $890,960 in capital improvements, creating a turnkey asset with modernized interiors and common areas. Ideally situated near Downtown Binghamton, the Court Street Bridge, restaurants, retail, public transportation, and major student

    Scott Warren INNOVATIVE COMMERCIAL ADVISORS

    99 Oak St, Binghamton, NY 13905
  • /16

    $198,000

    • 4 Beds
    • 3 Baths
    • 2,350 Sq Ft

    81 Baldwin St, Binghamton, NY 13903

    Prime 3-Family Investment + Buildable Lot | Southside Binghamton Turnkey cash-flow opportunity in the heart of Broome County! This fully detached 3-family property comes package deal with an adjacent buildable lot, offering immediate income + future development upside. This well-maintained asset features approximately 2,300 SF of living space across three units, all currently rented on

    Raymond Rivera ONE STOP MULTISERVICE INC

    81 Baldwin St, Binghamton, NY 13903
  • /19

    $165,000

    $10K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 1,404 Sq Ft

    15 Whiting St, Binghamton, NY 13904

    Single-family home located on Binghamton's East Side in a convenient location close to shopping, schools, parks, public transportation, and other local amenities. This home features three bedrooms and one full bath. The fenced backyard provides space for outdoor activities, pets, or gardening.Whether you're looking for a place to call home or an investment opportunity, this property offers

    John Farrell EXIT REALTY HOMEWARD BOUND

    15 Whiting St, Binghamton, NY 13904
  • /14

    $368,000

    $12K PRICE DROP
    • 6 Beds
    • 3,775 Sq Ft

    325 Main St, Binghamton, NY 13905

    Renovated and fully stabilized, this 6-unit building on Binghamton’s West Side offers a prime Main Street location with strong visibility and steady rental demand. Zoned for student housing and walkable to Price Chopper Plaza, restaurants, and West Side amenities, the property sees 7,484 vehicles daily and has a walkability score of 80. This is an ideal income-producing investment in a proven

    Scott Warren INNOVATIVE COMMERCIAL ADVISORS

    325 Main St, Binghamton, NY 13905
  • /19

    $265,000

    • 8 Beds
    • 4 Baths
    • 3,828 Sq Ft

    2 Burr Ave, Binghamton, NY 13903

    Good long term investment. Owner prefers t sell with 304 Conklin Ave, (4 units mls #337910 ) 4 Burr Ave is included with purchase, vacant lot used for parking 40x110. Long term tenants and rents are below market $. Seperate utilities, large walk up attic and full walkout basement. Blown in insulation in sidewalls and attic. Taxes and assessment reflect both parcels.

    Diane Kerth HOWARD HANNA

    2 Burr Ave, Binghamton, NY 13903
  • /47

    $464,900

    $10K PRICE DROP
    • 6 Beds
    • 6 Baths
    • 4,216 Sq Ft

    101 Pennsylvania Ave, Binghamton, NY 13903

    Fully renovated 6-unit apartment building on Binghamton’s South Side, offering a true turnkey investment opportunity. Located near MacArthur Park and just around the corner from UHS Binghamton General Hospital, the property benefits from strong rental demand driven by proximity to healthcare, Binghamton University and neighborhood amenities. It is also within walking distance to Weis, Walgreens,

    Coty Lunn INNOVATIVE COMMERCIAL ADVISORS

    101 Pennsylvania Ave, Binghamton, NY 13903
  • /2

    $100,000

    • 6 Beds
    • 2 Baths
    • 1,999 Sq Ft

    34 Pearne St, Binghamton, NY 13901

    Vacant SHOWINGS NOON JULY 21 separate utilities. Nice hardwood floors throughout. Large fenced yard. Corner lot. Great owner-occupy or investment. Large units.This property is also listed as part of a packaged-deal including 32 Brown Street, 17 Way Street, 162 Murray Street, 22.5 Floral Avenue, 19 May Street, and 23 Bennett Avenue.

    John Farrell EXIT REALTY HOMEWARD BOUND

    34 Pearne St, Binghamton, NY 13901
  • /6

    $35,000

    $15K PRICE DROP
    • Land
    • 13,503 Sq Ft
    • $112,903 per Acre

    260 Kattelville Rd, Binghamton, NY 13901

    Shovel-Ready Building Lot – Chenango Forks School District Prime corner building lot located in the Chenango Forks School District with road frontage on both Kattelville Road and Airport Road. A previous structure has been demolished and the site has been cleared, offering a clean slate for new construction. Utilities are available on site*, making this an excellent opportunity for a custom home

    Joe Gehl GEHLCO REALTY

    260 Kattelville Rd, Binghamton, NY 13901
  • /12

    $489,999

    $10K PRICE DROP
    • 9 Beds
    • 5 Baths
    • 3,100 Sq Ft

    9 Walnut St, Binghamton, NY 13905

    Fully occupied 3-unit West Side investment generating $64,800 in current gross annual rent. Pre-leased for the upcoming academic year, providing immediate income to the next owner. Three 3-bedroom units offer 9 total bedrooms and 5 full baths, with current monthly rents of $1,800, $1,875 and $1,875. Established student-rental property in a high-demand West Side location convenient to downtown,

    Susan Criscitello Kartar Realty

    9 Walnut St, Binghamton, NY 13905
  • /39

    $455,000

    $15K PRICE DROP
    • 4 Beds
    • 4.5 Baths
    • 2,856 Sq Ft

    36 Acre Place, Binghamton, NY 13904

    KIRKWOOD! 3 UNITS IN 2 BUILDINGS, ON ONE DEED! An almost-new single-family house and an updated 2-family on the same deed. WINDSOR SCHOOLS! Built for owner-occupancy by a talented builder who didn't miss a detail. The owner's residence features a 2-car garage and a spacious living area on the second level. The garage level is oversized and designed to be converted into additional living space.

    John Burns KELLER WILLIAMS REALTY GREATER BINGHAMTON

    36 Acre Place, Binghamton, NY 13904
  • /12

    $132,000

    $8K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,689 Sq Ft

    15 Telegraph St, Binghamton, NY 13903

    Owner occupy or an Investment property ready to go! First floor, 2 bedroom vacant unit with newly finished floors. 2nd floor is occupied by a long term month to month reliable tenant. New roof, water heater, furnace and security doors! All of the big ticket items have been taken care of and is ready for you to start earning income!

    Tara Cataldi EXIT REALTY HOMEWARD BOUND

    15 Telegraph St, Binghamton, NY 13903
  • /12

    $95,000

    $4K PRICE DROP
    • 5 Beds
    • 2 Baths
    • 1,716 Sq Ft

    31 Crandall St, Binghamton, NY 13905

    Invest near the path of progress at 31 Crandall Street. Located near the Clinton Street corridor—recently awarded $9.7 million for 17 revitalization projects—this value-add duplex offers an affordable entry point with five total bedrooms and annual property taxes of just $2,601. The tenant-occupied first-floor unit features three bedrooms and one bath, providing income while improvements are

    Dan Schmitt CENTURY 21 NORTH EAST

    31 Crandall St, Binghamton, NY 13905
  • /3

    $375,000

    • 6 Beds
    • 3 Baths
    • 3,442 Sq Ft

    101 Oak St, Binghamton, NY 13905

    Well-located TURN-KEY Student housing on Binghamton's West Side, fully rented through May 2027! Local Management will continue. A great addition to any investment portfolio This property is part of a larger portfolio that includes 39 St. John Ave, 79 Oak St, 56.5 Leroy St, and 79 Murray St. The financial information provided reflects actual rental income and operating expenses and is not based on

    John Farrell EXIT REALTY HOMEWARD BOUND

    101 Oak St, Binghamton, NY 13905
  • /23

    $175,000

    • 4 Beds
    • 2 Baths
    • 2,028 Sq Ft

    241 Prospect St, Binghamton, NY 13905

    Great investment opportunity with you. The property features a beautiful house with a full basement and is conveniently located near a Walmart and near major highways

    Shaheed Mohammad EXIT REALTY FRONT AND CENTER

    241 Prospect St, Binghamton, NY 13905
  • /18

    $1,100,000

    • 18 Beds
    • 12 Baths
    • 7,200 Sq Ft

    13 Mather St, Binghamton, NY 13905

    Capitalize on this exceptional opportunity to own a fully renovated 6-unit apartment building at 13 Mather Street. Featuring 18 bedrooms and 12 full bathrooms, this turnkey investment is ideally suited for the high-demand student housing market.The property is 100% occupied, providing immediate, proven rental income and dependable cash flow from day one.Renovated throughout, the building

    Stephanie Edson KELLER WILLIAMS REALTY GREATER BINGHAMTON

    13 Mather St, Binghamton, NY 13905
  • /50

    $5,195,000

    $555K PRICE DROP
    • 54 Beds
    • 25 Baths
    • 28,000 Sq Ft

    123 Court St, Binghamton, NY 13901

    Introducing 123 Court St, a rare opportunity to acquire one of Downtown Binghamton's premier student housing assets. Serving the ever-growing Binghamton University market, this exceptional property offers 54 beds across spacious 4, 6, 8, and 10-bedroom apartment layouts. Students are drawn to the building's authentic New York City-style loft design featuring exposed brick walls, hardwood floors,

    John Maczko MACZKO REALTY

    123 Court St, Binghamton, NY 13901
  • /2

    $280,000

    • 5 Beds
    • 2 Baths
    • 1,872 Sq Ft

    79 Oak St, Binghamton, NY 13905

    Well-located TURN-KEY Student housing on Binghamton's West Side, fully rented through May 2027! Local Management will continue. A great addition to any investment portfolio 5 beds $$39,000 income, $3,891 taxes, $1,950 ins, $4,989 Utilities --This property is part of a larger portfolio that includes 39 St. John Ave, 101 Oak St, 56.5 Leroy Street, and 79 Murray St. The financial information

    John Farrell EXIT REALTY HOMEWARD BOUND

    79 Oak St, Binghamton, NY 13905

Showing Results 1 - 40, Page 1 of 3

Home Price Trends

Median Sale Price
$191,000
Median Single Family Sale Price
$195,000
Median Townhouse Sale Price
$197,000
Median 2 Bedroom Sale Price
$145,000
Median 1 Bedroom Sale Price
$121,000
Average Price Per Sq Ft
$116
Number of Homes for Sale
89
Last 12 months Home Sales
525
Months of Supply
3.50
Median List Price
$199,000
Median Change From 1st List Price
0%
Median Home Sale Price YoY Change
9%
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