ZIP Code 14532 — Phelps, New York

The median home in 14532 is valued at $159,700 against a median household income of $71,667, a price-to-income ratio of 2.2. 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 Ontario County, 14532 ranks 4 of 14 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.4. Renting takes 19.1% of median household income (median rent $1,139 a month), under the 30% cost-burden threshold.

14532 ranks 994 of 1,572 statewide on median household income and 1,159 of 1,572 on median home value; its income is in line with the $75,282 Ontario County median. 85% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 23% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 10.8%, above the 9.9% statewide ZIP median. Unemployment stands at 4.3%.

With 95 residents per square mile across 41.2 square miles of land, 14532 is far less dense than the statewide ZIP median of 197 (rank 951 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.