ZIP Code 14047 — Derby, New York

The median home in 14047 is valued at $180,800 against a median household income of $76,525, a price-to-income ratio of 2.4. That is below the 2.9 median across the 1,572 New York ZIP codes with published housing data, and near the 3.0 ratio that marks an attainable market nationally. Within Erie County, 14047 ranks 8 of 59 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.8. Renting takes 15.1% of median household income (median rent $964 a month), under the 30% cost-burden threshold.

14047 ranks 870 of 1,572 statewide on median household income and 1,019 of 1,572 on median home value; its income is in line with the $75,465 Erie County median. 81% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 19% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 14.9%, far above the 9.9% statewide ZIP median. Unemployment stands at 2.1%.

With 464 residents per square mile across 13.1 square miles of land, 14047 is far denser than the statewide ZIP median of 197 (rank 617 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.