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Oakfield village, NY

ZIP 14125 — 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 14125

Median Home Value
$137,800
Median Rent
$630
Affordability Snapshot
$38,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$885/mo PITI).

12%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.2 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 14125 in Oakfield village, NY, a household would need roughly $38,000 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 $885. That sits below the local median household income ($63,603), 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
64.0%-2% vs US avg
x
Vacancy Rate
1.4%-86% vs US avg
x
Broadband Access
88.8%+2% vs US avg
x
4+ Bedrooms
6.2%-58% vs US avg
x
Built Pre-1939
5.4%-57% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
9.4%-81% vs US avg
x
Mortgage-Free
40.5%+6% vs US avg
x
$137,800
Home Value
$630
Rent
1943
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached67.6%
  • 1-unit attached0.2%
  • 2-9 units18.1%
  • 10+ units2.7%
  • Mobile home & other11.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$137,800
Median rent$630
Owner-occupied64.0%
Vacant1.4%
Price-to-income2.2x
Est. income to buy$38,000