US5.com
  1. Home
  2. States
  3. New York
  4. ZIP 14744
  5. Housing & Real Estate
Houghton CDP, NY

ZIP 14744 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 14744

Median Home Value
$146,100
Median Rent
$700
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$939/mo PITI).

10%
Rent-to-Income Ratio

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

1.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.4 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 14744 in Houghton CDP, NY, a household would need roughly $40,000 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 $939. That sits below the local median household income ($82,500), 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

Vacancy rate 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
64.9%-1% vs US avg
x
Vacancy Rate
19.9%+93% vs US avg
x
Broadband Access
87.8%+1% vs US avg
x
4+ Bedrooms
13.9%-6% vs US avg
x
Built Pre-1939
8.7%-32% vs US avg
x
Built Post-2014
2.0%-71% vs US avg
x
Rent Burden >30%
1.3%-97% vs US avg
x
Mortgage-Free
60.3%+58% vs US avg
x
$146,100
Home Value
$700
Rent
1975
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached75.4%
  • 1-unit attached1.4%
  • 2-9 units7.8%
  • 10+ units2.0%
  • Mobile home & other13.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$146,100
Median rent$700
Owner-occupied64.9%
Vacant19.9%
Price-to-income1.8x
Est. income to buy$40,000