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Middleport village, NY

ZIP 14105 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 14105

Median Home Value
$154,900
Median Rent
$499
Affordability Snapshot
$43,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$995/mo PITI).

7%
Rent-to-Income Ratio

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

1.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

25.9 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 14105 in Middleport village, NY, a household would need roughly $43,000 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 $995. That sits below the local median household income ($85,208), 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

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.8%+27% vs US avg
x
Vacancy Rate
10.8%+5% vs US avg
x
Broadband Access
90.9%+5% vs US avg
x
4+ Bedrooms
8.1%-45% vs US avg
x
Built Pre-1939
8.6%-33% vs US avg
x
Built Post-2014
2.3%-66% vs US avg
x
Rent Burden >30%
3.0%-94% vs US avg
x
Mortgage-Free
44.4%+16% vs US avg
x
$154,900
Home Value
$499
Rent
1938
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached80.6%
  • 1-unit attached2.1%
  • 2-9 units12.8%
  • 10+ units4.1%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$154,900
Median rent$499
Owner-occupied82.8%
Vacant10.8%
Price-to-income1.8x
Est. income to buy$43,000