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Elba village, NY

ZIP 14058 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 14058

Median Home Value
$142,800
Median Rent
$696
Affordability Snapshot
$39,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$917/mo PITI).

8%
Rent-to-Income Ratio

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

1.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.1 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 14058 in Elba village, NY, a household would need roughly $39,000 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 $917. That sits below the local median household income ($102,039), 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
87.6%+34% vs US avg
x
Vacancy Rate
5.5%-47% vs US avg
x
Broadband Access
92.7%+7% vs US avg
x
4+ Bedrooms
4.2%-72% vs US avg
x
Built Pre-1939
3.6%-72% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
7.5%-85% vs US avg
x
Mortgage-Free
39.0%+2% vs US avg
x
$142,800
Home Value
$696
Rent
1964
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached81.1%
  • 1-unit attached1.3%
  • 2-9 units4.4%
  • 10+ units0.0%
  • Mobile home & other13.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$142,800
Median rent$696
Owner-occupied87.6%
Vacant5.5%
Price-to-income1.4x
Est. income to buy$39,000