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Erin CDP, NY

ZIP 14838 — 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 14838

Median Home Value
$130,900
Median Rent
$530
Affordability Snapshot
$36,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$841/mo PITI).

9%
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.

20.6 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 14838 in Erin CDP, NY, a household would need roughly $36,000 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 $841. That sits below the local median household income ($70,000), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
92.2%+41% vs US avg
x
Vacancy Rate
7.4%-28% vs US avg
x
Broadband Access
88.0%+1% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
2.0%-84% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
51.8%+35% vs US avg
x
$130,900
Home Value
$530
Rent
1975
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached73.5%
  • 1-unit attached0.0%
  • 2-9 units0.3%
  • 10+ units0.0%
  • Mobile home & other26.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$130,900
Median rent$530
Owner-occupied92.2%
Vacant7.4%
Price-to-income1.9x
Est. income to buy$36,000