US5.com
  1. Home
  2. States
  3. New York
  4. ZIP 14004
  5. Housing & Real Estate
Town Line CDP, NY

ZIP 14004 — 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 14004

Median Home Value
$236,300
Median Rent
$596
Affordability Snapshot
$65,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,518/mo PITI).

8%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

33.0 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 14004 in Town Line CDP, NY, a household would need roughly $65,000 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 $1,518. That sits below the local median household income ($88,011), 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
85.4%+31% vs US avg
x
Vacancy Rate
3.4%-67% vs US avg
x
Broadband Access
89.0%+2% vs US avg
x
4+ Bedrooms
6.2%-58% vs US avg
x
Built Pre-1939
6.9%-46% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
18.4%-63% vs US avg
x
Mortgage-Free
40.3%+6% vs US avg
x
$236,300
Home Value
$596
Rent
1963
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached79.5%
  • 1-unit attached4.1%
  • 2-9 units11.6%
  • 10+ units1.2%
  • Mobile home & other3.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$236,300
Median rent$596
Owner-occupied85.4%
Vacant3.4%
Price-to-income2.7x
Est. income to buy$65,000