ZIP Code 14884 — Swain, New York

The median home in 14884 is valued at $116,900 against a median household income of $59,167, a price-to-income ratio of 2.0. 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, 14884 ranks 21 of 24 ZIPs on affordability (1 = lowest ratio); the county median ratio is 1.5. Renting takes 19.1% of median household income (median rent $940 a month), under the 30% cost-burden threshold.

14884 ranks 1,319 of 1,572 statewide on median household income and 1,405 of 1,572 on median home value; its income is in line with the $61,634 Allegany County median. 93% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 25% of adults hold a bachelor's degree or higher, below the 31% median, Unemployment stands at 5.0%.

With 16 residents per square mile across 22.7 square miles of land, 14884 is far less dense than the statewide ZIP median of 197 (rank 1,490 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.