ZIP Code 14845 — Horseheads, New York

The median home in 14845 is valued at $183,900 against a median household income of $76,617, 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 Chemung County, 14845 ranks 13 of 14 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.1. Renting takes 18.4% of median household income (median rent $1,175 a month), under the 30% cost-burden threshold.

14845 ranks 866 of 1,572 statewide on median household income and 1,003 of 1,572 on median home value; its income is above the $62,648 Chemung County median. 74% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 35% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 7.2%, below the 9.9% statewide ZIP median. Unemployment stands at 4.2%.

With 263 residents per square mile across 78.2 square miles of land, 14845 is denser than the statewide ZIP median of 197 (rank 724 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.