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Dunkirk city, NY

ZIP 14048 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 14048

Median Home Value
$98,400
Median Rent
$655
Affordability Snapshot
$27,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$632/mo PITI).

15%
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.

12.5 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 14048 in Dunkirk city, 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.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
62.8%-4% vs US avg
x
Vacancy Rate
9.7%-5% vs US avg
x
Broadband Access
87.1%+0% vs US avg
x
4+ Bedrooms
3.9%-74% vs US avg
x
Built Pre-1939
10.2%-20% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
26.6%-47% vs US avg
x
Mortgage-Free
54.4%+43% vs US avg
x
$98,400
Home Value
$655
Rent
1946
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached69.9%
  • 1-unit attached3.0%
  • 2-9 units21.1%
  • 10+ units4.9%
  • Mobile home & other1.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$98,400
Median rent$655
Owner-occupied62.8%
Vacant9.7%
Price-to-income1.9x
Est. income to buy$27,000