ZIP Code 14904 — Elmira, New York

The median home in 14904 is valued at $87,200 against a median household income of $54,563, a price-to-income ratio of 1.6. 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, 14904 ranks 1 of 14 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.1. Renting takes 22.1% of median household income (median rent $1,005 a month), under the 30% cost-burden threshold.

14904 ranks 1,410 of 1,572 statewide on median household income and 1,540 of 1,572 on median home value; its income is below the $62,648 Chemung County median. 64% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 17% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 20.8%, far above the 9.9% statewide ZIP median. Unemployment stands at 10.5%.

With 2,231 residents per square mile across 6.4 square miles of land, 14904 is far denser than the statewide ZIP median of 197 (rank 390 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.