ZIP Code 14712 — Bemus Point village, NY Demographics & Data

ZIP code 14712 covers Bemus Point, NY in Chautauqua County with a population of about 3,079.

At a glance, the area shows median age of 58.4 versus a U.S. median of about 38.9.

It sits in telephone area code 716; U.S. House district NY-23; the BUFFALO media market.

Bemus Point, NY fits a retirement-oriented profile (high share of residents 65+ (35.6%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 14712 is about $77,423 — about 3% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.2%; unemployment rate near 6.9%; 29.6% of adults with a bachelor’s degree or higher (about 4.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Manufacturing; about 3.9% of workers reporting work-from-home (about 11.3 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $219,000 — about 37% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $611 (about 47% below the U.S. median rent ($1,163)), and owner-occupancy near 90.5% (about 25.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 14712 in Bemus Point, 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 $1,407. That sits below the local median household income ($77,423), 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 Bemus Point village, NY as Relatively Moderate (composite score 84.6), which is elevated versus much of the country. The strongest component scores on US5 are flood (91.3) and hurricane (68.8). 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 Bemus Point village, NY show little to no average snow and around 45.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 133 for ZIP 14712 (Bemus Point village, 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.