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Big Flats CDP, NY

ZIP 14814 — 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 14814

Median Home Value
$216,800
Median Rent
$1,135
Affordability Snapshot
$60,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,393/mo PITI).

13%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.9 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 14814 in Big Flats CDP, 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 $1,393. That sits below the local median household income ($105,625), 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
81.7%+25% vs US avg
x
Vacancy Rate
0.0%
x
Broadband Access
96.5%+11% vs US avg
x
4+ Bedrooms
6.7%-55% vs US avg
x
Built Pre-1939
14.7%+14% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
49.6%-0% vs US avg
x
Mortgage-Free
35.2%-8% vs US avg
x
$216,800
Home Value
$1,135
Rent
1963
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached81.8%
  • 1-unit attached5.2%
  • 2-9 units11.8%
  • 10+ units1.2%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$216,800
Median rent$1,135
Owner-occupied81.7%
Vacant0.0%
Price-to-income2.1x
Est. income to buy$60,000