ZIP Code 14086 — Lancaster village, NY Demographics & Data

ZIP code 14086 covers Lancaster, NY in Erie County with a population of about 35,659.

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.

Median household income in ZIP 14086 is about $95,949 — about 28% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.5%; unemployment rate near 1.6%; 39.3% of adults with a bachelor’s degree or higher (about 5.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Manufacturing; about 9.9% of workers reporting work-from-home (about 5.3 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 $263,600 — about 24% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $866 (about 26% below the U.S. median rent ($1,163)), and owner-occupancy near 83.5% (about 18.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 14086 in Lancaster, NY, a household would need roughly $73,000 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 $1,693. That sits below the local median household income ($95,949), 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 Lancaster 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 Lancaster village, NY show little to no average snow and around 40.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,540 for ZIP 14086 (Lancaster 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.