ZIP Code 14048 — Dunkirk city, NY Demographics & Data

ZIP code 14048 covers Dunkirk, NY in Chautauqua County with a population of about 14,949.

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 716; U.S. House district NY-23; the BUFFALO media market.

Dunkirk, NY sits in a university / college context (near suny at fredonia (2.5 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 14048 is about $52,971 — about 30% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 22.2%; unemployment rate near 4.1%; 18.0% of adults with a bachelor’s degree or higher (about 15.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Education; about 5.5% of workers reporting work-from-home (about 9.6 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 $98,400 — about 72% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $655 (about 44% below the U.S. median rent ($1,163)), and owner-occupancy near 62.8% (about 2.6 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 14048 in Dunkirk, NY, a household would need roughly $27,000 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 $632. That sits below the local median household income ($52,971), 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 Dunkirk city, NY as Relatively Moderate (composite score 84.6), which is elevated versus much of the country. The strongest component scores on US5 are flood (91.3) and hurricane (68.8). 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 Dunkirk city, NY show little to no average snow and around 46.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 646 for ZIP 14048 (Dunkirk city, 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.