US5.com
  1. Home
  2. States
  3. New York
  4. ZIP 14809
  5. Housing & Real Estate
Avoca village, NY

ZIP 14809 — 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 14809

Median Home Value
$110,200
Median Rent
$592
Affordability Snapshot
$30,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$708/mo PITI).

11%
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.

15.5 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 14809 in Avoca village, NY, a household would need roughly $30,000 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 $708. That sits below the local median household income ($62,868), 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 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
74.7%+14% vs US avg
x
Vacancy Rate
19.9%+93% vs US avg
x
Broadband Access
74.7%-14% vs US avg
x
4+ Bedrooms
9.4%-36% vs US avg
x
Built Pre-1939
3.3%-74% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
27.1%-45% vs US avg
x
Mortgage-Free
54.5%+43% vs US avg
x
$110,200
Home Value
$592
Rent
1966
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached70.1%
  • 1-unit attached0.2%
  • 2-9 units6.9%
  • 10+ units0.5%
  • Mobile home & other22.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$110,200
Median rent$592
Owner-occupied74.7%
Vacant19.9%
Price-to-income1.8x
Est. income to buy$30,000