ZIP Code 14892 — Waverly, New York

The median home in 14892 is valued at $139,500 against a median household income of $52,143, 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 Tioga County, 14892 ranks 10 of 12 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.0. Renting takes 21.0% of median household income (median rent $911 a month), under the 30% cost-burden threshold.

14892 ranks 1,442 of 1,572 statewide on median household income and 1,281 of 1,572 on median home value; its income is below the $68,570 Tioga County median. 70% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 18% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 10.6%, above the 9.9% statewide ZIP median. Unemployment stands at 7.0%.

With 178 residents per square mile across 42.2 square miles of land, 14892 is less dense than the statewide ZIP median of 197 (rank 798 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.