ZIP Code 14048 — Dunkirk, New York

The median home in 14048 is valued at $98,400 against a median household income of $52,971, a price-to-income ratio of 1.9. 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 Chautauqua County, 14048 ranks 10 of 30 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.0. Renting takes 20.5% of median household income (median rent $905 a month), under the 30% cost-burden threshold.

14048 ranks 1,434 of 1,572 statewide on median household income and 1,505 of 1,572 on median home value; its income is below the $63,239 Chautauqua County median. 63% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 18% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 22.2%, far above the 9.9% statewide ZIP median. Unemployment stands at 4.1%.

With 650 residents per square mile across 23 square miles of land, 14048 is far denser than the statewide ZIP median of 197 (rank 562 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.