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, NY

ZIP 14820 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 14820

Median Home Value
$118,800
Median Rent
$775
Affordability Snapshot
$33,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$763/mo PITI).

15%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.8 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 14820 in NY, a household would need roughly $33,000 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 $763. That sits below the local median household income ($63,750), 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 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.3%+26% vs US avg
x
Vacancy Rate
22.7%+120% vs US avg
x
Broadband Access
89.8%+3% vs US avg
x
4+ Bedrooms
7.5%-49% vs US avg
x
Built Pre-1939
0.7%-94% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
15.8%-68% vs US avg
x
Mortgage-Free
48.6%+27% vs US avg
x
$118,800
Home Value
$775
Rent
1971
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached79.5%
  • 1-unit attached0.0%
  • 2-9 units4.3%
  • 10+ units0.0%
  • Mobile home & other16.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$118,800
Median rent$775
Owner-occupied82.3%
Vacant22.7%
Price-to-income1.9x
Est. income to buy$33,000