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Belmont village, NY

ZIP 14813 — 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 14813

Median Home Value
$89,900
Median Rent
$550
Affordability Snapshot
$25,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$577/mo PITI).

10%
Rent-to-Income Ratio

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

1.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.6 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 14813 in Belmont village, NY, a household would need roughly $25,000 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 $577. That sits below the local median household income ($68,750), 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 25% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.2%+26% vs US avg
x
Vacancy Rate
25.2%+145% vs US avg
x
Broadband Access
88.0%+1% vs US avg
x
4+ Bedrooms
4.2%-71% vs US avg
x
Built Pre-1939
4.4%-66% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
34.7%-30% vs US avg
x
Mortgage-Free
58.5%+53% vs US avg
x
$89,900
Home Value
$550
Rent
1958
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached72.2%
  • 1-unit attached0.6%
  • 2-9 units7.1%
  • 10+ units2.6%
  • Mobile home & other17.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$89,900
Median rent$550
Owner-occupied82.2%
Vacant25.2%
Price-to-income1.3x
Est. income to buy$25,000