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Highland-on-the-Lake CDP, NY

ZIP 14047 — 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 14047

Median Home Value
$180,800
Median Rent
$833
Affordability Snapshot
$50,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,161/mo PITI).

13%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.1 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 14047 in Highland-on-the-Lake CDP, NY, a household would need roughly $50,000 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 $1,161. That sits below the local median household income ($76,525), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
80.8%+23% vs US avg
x
Vacancy Rate
5.0%-51% vs US avg
x
Broadband Access
86.5%-1% vs US avg
x
4+ Bedrooms
3.5%-76% vs US avg
x
Built Pre-1939
5.0%-61% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
12.7%-74% vs US avg
x
Mortgage-Free
45.4%+19% vs US avg
x
$180,800
Home Value
$833
Rent
1971
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached75.8%
  • 1-unit attached6.2%
  • 2-9 units6.0%
  • 10+ units8.0%
  • Mobile home & other3.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$180,800
Median rent$833
Owner-occupied80.8%
Vacant5.0%
Price-to-income2.4x
Est. income to buy$50,000