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Big Flats CDP, NY

ZIP 14845 — 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 14845

Median Home Value
$183,900
Median Rent
$1,005
Affordability Snapshot
$51,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,181/mo PITI).

16%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.2 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 14845 in Big Flats CDP, NY, a household would need roughly $51,000 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 $1,181. That sits below the local median household income ($76,617), 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
73.7%+13% vs US avg
x
Vacancy Rate
5.1%-50% vs US avg
x
Broadband Access
86.4%-1% vs US avg
x
4+ Bedrooms
6.1%-59% vs US avg
x
Built Pre-1939
3.6%-72% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
22.1%-55% vs US avg
x
Mortgage-Free
45.9%+20% vs US avg
x
$183,900
Home Value
$1,005
Rent
1969
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached75.1%
  • 1-unit attached1.1%
  • 2-9 units12.6%
  • 10+ units7.2%
  • Mobile home & other4.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$183,900
Median rent$1,005
Owner-occupied73.7%
Vacant5.1%
Price-to-income2.4x
Est. income to buy$51,000