ZIP Code 14081 — Farnham village, NY Demographics & Data

ZIP code 14081 covers Farnham, NY in Erie County with a population of about 2,736.

At a glance, the area shows median age of 50.3 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.

Median household income in ZIP 14081 is about $63,672 — about 15% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 19.1%; unemployment rate near 9.3%; 24.7% of adults with a bachelor’s degree or higher (about 9.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Retail trade; about 8.7% of workers reporting work-from-home (about 6.5 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 $126,700 — about 64% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $616 (about 47% below the U.S. median rent ($1,163)), and owner-occupancy near 83.0% (about 17.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 14081 in Farnham, NY, a household would need roughly $35,000 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 $814. That sits below the local median household income ($63,672), 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 Farnham village, NY as Relatively High (composite score 97.7), which is among the highest nationally. The strongest component scores on US5 are flood (99.0) and hurricane (71.3). 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 Farnham village, NY show little to no average snow and around 53.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 118 for ZIP 14081 (Farnham village, 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.