ZIP Code 14883 — Spencer, New York

The median home in 14883 is valued at $191,800 against a median household income of $62,431, a price-to-income ratio of 3.1. That is above 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 Tioga County, 14883 ranks 12 of 12 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.0. Renting takes 18.8% of median household income (median rent $980 a month), under the 30% cost-burden threshold.

14883 ranks 1,238 of 1,572 statewide on median household income and 965 of 1,572 on median home value; its income is below the $68,570 Tioga County median. 72% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 30% of adults hold a bachelor's degree or higher, in line with the 31% median, and the poverty rate is 13.3%, above the 9.9% statewide ZIP median. Unemployment stands at 7.0%.

With 62 residents per square mile across 72.6 square miles of land, 14883 is far less dense than the statewide ZIP median of 197 (rank 1,098 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.