ZIP Code 14861 — Lowman, New York

The median home in 14861 is valued at $141,100 against a median household income of $60,000, 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, 14861 ranks 11 of 14 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.1. Renting takes 22.4% of median household income (median rent $1,120 a month), under the 30% cost-burden threshold.

14861 ranks 1,302 of 1,572 statewide on median household income and 1,274 of 1,572 on median home value; its income is in line with the $62,648 Chemung County median. 81% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 15% of adults hold a bachelor's degree or higher, far below the 31% median, and the poverty rate is 10.3%, in line with the 9.9% statewide ZIP median. Unemployment stands at 6.3%.

With 38 residents per square mile across 35.5 square miles of land, 14861 is far less dense than the statewide ZIP median of 197 (rank 1,290 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.