US5.com
  1. Home
  2. States
  3. New York
  4. ZIP 14028
  5. Housing & Real Estate
Olcott CDP, NY

ZIP 14028 — 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 14028

Median Home Value
$169,700
Median Rent
$740
Affordability Snapshot
$47,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,090/mo PITI).

12%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.1 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 14028 in Olcott CDP, NY, a household would need roughly $47,000 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 $1,090. That sits below the local median household income ($73,571), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
89.8%+37% vs US avg
x
Vacancy Rate
15.6%+52% vs US avg
x
Broadband Access
87.5%+1% vs US avg
x
4+ Bedrooms
7.3%-51% vs US avg
x
Built Pre-1939
6.4%-50% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
59.0%+54% vs US avg
x
$169,700
Home Value
$740
Rent
1960
Year Built
2002
Moved In

Residents have lived here since ~2002 on average

Housing Structure

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

  • 1-unit detached80.5%
  • 1-unit attached0.0%
  • 2-9 units11.1%
  • 10+ units0.0%
  • Mobile home & other8.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$169,700
Median rent$740
Owner-occupied89.8%
Vacant15.6%
Price-to-income2.3x
Est. income to buy$47,000