ZIP Code 14821 — Campbell CDP, NY Demographics & Data

ZIP code 14821 covers Campbell, NY in Steuben County with a population of about 3,015.

At a glance, the area shows median age of 46.0 versus a U.S. median of about 38.9.

It sits in telephone area code 607; U.S. House district NY-23; the ELMIRA (CORNING) media market.

Median household income in ZIP 14821 is about $76,830 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.6%; unemployment rate near 3.5%; 16.0% of adults with a bachelor’s degree or higher (about 17.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Education, and Healthcare; about 4.2% of workers reporting work-from-home (about 11.0 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 $133,200 — about 62% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $749 (about 36% below the U.S. median rent ($1,163)), and owner-occupancy near 85.6% (about 20.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 14821 in Campbell, NY, a household would need roughly $37,000 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 $856. That sits below the local median household income ($76,830), 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 Campbell CDP, NY as Relatively Low (composite score 76.9), which is elevated versus much of the country. The strongest component scores on US5 are flood (87.5) and hurricane (70.1). 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 Campbell CDP, NY show little to no average snow and around 36.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 130 for ZIP 14821 (Campbell CDP, 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.