ZIP Code 14905 — Elmira, New York

The median home in 14905 is valued at $169,600 against a median household income of $85,888, 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 Chemung County, 14905 ranks 5 of 14 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.1. Renting takes 15.5% of median household income (median rent $1,112 a month), under the 30% cost-burden threshold.

14905 ranks 666 of 1,572 statewide on median household income and 1,090 of 1,572 on median home value; its income is above the $62,648 Chemung County median. 68% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 42% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 14.3%, above the 9.9% statewide ZIP median. Unemployment stands at 6.2%.

With 2,426 residents per square mile across 3.7 square miles of land, 14905 is far denser than the statewide ZIP median of 197 (rank 379 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.