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Elma Center CDP, NY

ZIP 14059 — 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 14059

Median Home Value
$323,800
Median Rent
$1,120
Affordability Snapshot
$89,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,080/mo PITI).

13%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

24.1 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 14059 in Elma Center CDP, NY, a household would need roughly $89,000 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 $2,080. That sits below the local median household income ($101,698), 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
83.8%+28% vs US avg
x
Vacancy Rate
4.5%-56% vs US avg
x
Broadband Access
94.1%+8% vs US avg
x
4+ Bedrooms
8.5%-43% vs US avg
x
Built Pre-1939
4.5%-65% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
18.9%-62% vs US avg
x
Mortgage-Free
41.1%+8% vs US avg
x
$323,800
Home Value
$1,120
Rent
1971
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 detached88.4%
  • 1-unit attached3.0%
  • 2-9 units6.4%
  • 10+ units1.3%
  • Mobile home & other0.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$323,800
Median rent$1,120
Owner-occupied83.8%
Vacant4.5%
Price-to-income3.2x
Est. income to buy$89,000