ZIP Code 14126 — Olcott CDP, NY Demographics & Data

ZIP code 14126 covers Olcott, NY in Niagara County with a population of about 301.

At a glance, the area shows median age of 30.4 versus a U.S. median of about 38.9.

It sits in telephone area code 716; U.S. House district NY-24; the BUFFALO media market.

Median household income in ZIP 14126 is about $148,462 — about 98% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 21.6%; 31.0% of adults with a bachelor’s degree or higher (about 2.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Education, and Transportation; about 10.8% of workers reporting work-from-home (about 4.4 points below the U.S. share (15.2%)); a mean commute of about 149.0 minutes (U.S. average near 26.8).

Median home value is about $290,400 — about 17% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 76.6% (about 11.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 14126 in Olcott, NY, a household would need roughly $80,000 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 $1,865. That sits below the local median household income ($148,462), 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.

FEMA’s National Risk Index rates natural-hazard risk for Olcott CDP, NY as Relatively Moderate (composite score 83.4), which is elevated versus much of the country. The strongest component scores on US5 are flood (91.0) and hurricane (57.2). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Olcott CDP, NY show little to no average snow and around 37.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 13 for ZIP 14126 (Olcott CDP, NY) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.