ZIP Code 14714 — Black Creek, New York

The median home in 14714 is valued at $190,600 against a median household income of $102,125, 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 Allegany County, 14714 ranks 18 of 24 ZIPs on affordability (1 = lowest ratio); the county median ratio is 1.5. Renting takes 8.0% of median household income (median rent $681 a month), under the 30% cost-burden threshold.

14714 ranks 434 of 1,572 statewide on median household income and 968 of 1,572 on median home value; its income is far above the $61,634 Allegany County median. 92% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 17% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 12.4%, above the 9.9% statewide ZIP median. Unemployment stands at 4.8%.

With 47 residents per square mile across 11.8 square miles of land, 14714 is far less dense than the statewide ZIP median of 197 (rank 1,210 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.