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Stannards CDP, NY

ZIP 14895 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 14895

Median Home Value
$93,800
Median Rent
$541
Affordability Snapshot
$26,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$603/mo PITI).

11%
Rent-to-Income Ratio

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

1.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.4 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 14895 in Stannards CDP, NY, a household would need roughly $26,000 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 $603. That sits below the local median household income ($59,063), 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 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
75.7%+16% vs US avg
x
Vacancy Rate
17.2%+67% vs US avg
x
Broadband Access
85.6%-2% vs US avg
x
4+ Bedrooms
3.6%-76% vs US avg
x
Built Pre-1939
6.6%-49% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
31.1%-37% vs US avg
x
Mortgage-Free
60.3%+58% vs US avg
x
$93,800
Home Value
$541
Rent
1956
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached74.3%
  • 1-unit attached0.5%
  • 2-9 units13.7%
  • 10+ units4.5%
  • Mobile home & other7.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$93,800
Median rent$541
Owner-occupied75.7%
Vacant17.2%
Price-to-income1.6x
Est. income to buy$26,000