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, NY

ZIP 14748 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 14748

Median Home Value
$88,600
Median Rent
$513
Affordability Snapshot
$24,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$569/mo PITI).

14%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.4 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 14748 in NY, a household would need roughly $24,000 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 $569. That sits below the local median household income ($45,000), 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 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.2%+23% vs US avg
x
Vacancy Rate
22.4%+118% vs US avg
x
Broadband Access
67.2%-23% vs US avg
x
4+ Bedrooms
14.4%-3% vs US avg
x
Built Pre-1939
3.7%-71% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
21.7%-56% vs US avg
x
Mortgage-Free
57.0%+49% vs US avg
x
$88,600
Home Value
$513
Rent
1973
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached71.2%
  • 1-unit attached0.0%
  • 2-9 units2.7%
  • 10+ units0.0%
  • Mobile home & other26.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$88,600
Median rent$513
Owner-occupied80.2%
Vacant22.4%
Price-to-income2.0x
Est. income to buy$24,000