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, NY

ZIP 14051 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 14051

Median Home Value
$386,500
Median Rent
$1,704
Affordability Snapshot
$106,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,483/mo PITI).

16%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

18.9 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 14051 in NY, a household would need roughly $106,000 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 $2,483. That sits below the local median household income ($126,895), 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
80.5%+23% vs US avg
x
Vacancy Rate
2.5%-75% vs US avg
x
Broadband Access
93.2%+7% vs US avg
x
4+ Bedrooms
4.4%-70% vs US avg
x
Built Pre-1939
1.0%-92% vs US avg
x
Built Post-2014
0.9%-86% vs US avg
x
Rent Burden >30%
27.4%-45% vs US avg
x
Mortgage-Free
38.2%-0% vs US avg
x
$386,500
Home Value
$1,704
Rent
1988
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 detached75.2%
  • 1-unit attached7.9%
  • 2-9 units9.9%
  • 10+ units6.9%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$386,500
Median rent$1,704
Owner-occupied80.5%
Vacant2.5%
Price-to-income3.0x
Est. income to buy$106,000