ZIP Code 14865 — Montour Falls, New York

The median home in 14865 is valued at $135,300 against a median household income of $50,227, a price-to-income ratio of 2.7. 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 Schuyler County, 14865 ranks 7 of 8 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.4. Renting takes 17.7% of median household income (median rent $740 a month), under the 30% cost-burden threshold.

14865 ranks 1,466 of 1,572 statewide on median household income and 1,305 of 1,572 on median home value; its income is below the $59,467 Schuyler County median. 75% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 20% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 25.1%, far above the 9.9% statewide ZIP median and among the highest in the state. Unemployment stands at 13.1%.

With 117 residents per square mile across 22.1 square miles of land, 14865 is less dense than the statewide ZIP median of 197 (rank 894 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.