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, NY

ZIP 14040 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 14040

Median Home Value
$217,600
Median Rent
N/A
Affordability Snapshot
$60,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,398/mo PITI).

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 14040 in NY, a household would need roughly $60,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,398. That sits below the local median household income ($85,820), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
96.0%+47% vs US avg
x
Vacancy Rate
3.2%-69% vs US avg
x
Broadband Access
89.7%+3% vs US avg
x
4+ Bedrooms
10.0%-32% vs US avg
x
Built Pre-1939
15.0%+17% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
46.2%+21% vs US avg
x
$217,600
Home Value
N/A
Rent
1964
Year Built
1995
Moved In

Residents have lived here since ~1995 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached96.1%
  • 1-unit attached0.0%
  • 2-9 units3.9%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$217,600
Median rent$-666,666,666
Owner-occupied96.0%
Vacant3.2%
Price-to-income2.5x
Est. income to buy$60,000