PlainZIP

Horseheads, NY · standard

ZIP Code 14845

Chemung County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

20,453
99/sq mi
$76,832
Median income
$186,500
Median home value
37.1%
Bachelor's or higher

The verdict

Horseheads pairs an above-median household income with below-median home values, in a rural, homeowner-dominated area.

Top 42%
household income, US ZIPs
40th pct
home value, US ZIPs
99
people per sq mi
73%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 14845 against every reporting US ZIP.

ZIP code 14845 is a densely settled ZIP (a standard USPS delivery area) in Horseheads, Chemung County, New York, with 20,453 residents across 206.8 square miles, a density of 99 people per square mile, in the New York time zone.

ZIP 14845 lands in the middle-income range, with a median household income of $76,832 (17% below the New York average), while per-capita income is $46,402. 7.4% of residents live below the poverty line, and the unemployment rate reads 3.6%. On housing, the median home value is $186,500 (51% below the state average) with median rent at $1,257 per month, and 73.0% of occupied units are owner-occupied.

A solid share of residents have a four-year degree: 37.1% of adults hold a bachelor's degree or higher, the median age is 44.4, and the average commute is 18 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 14845, plus 6 more within Chemung County, give a clearer read than the national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 14845

Top 5 sectors by establishment count in Horseheads, NY

Which industries have the most business establishments in ZIP 14845.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 14845, Horseheads, NY · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

20,453

Population

206.8

Area (sq mi)

99

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 14845?

44.4

Median Age

50.7%

Male

49.3%

Female

5.7%

Foreign-Born

White 91.2%
African American 1.7%
Asian 2.7%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.3%
Hispanic or Latino 1.8%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$76,832

Median Household Income

-17% vs state

$46,402

Per Capita Income

7.4%

Poverty Rate

3.6%

Unemployment Rate

18.3 min

Mean Commute Time

How ZIP 14845 ranks nationally

Horseheads, NY household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$76,832 Top 42% higher than 58% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 67.2%
Bachelor's Degree or Higher 37.1%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

9,551

Total Housing Units

9,030

Occupied Units

521

Vacant Units

2.19

Avg Household Size

Occupancy Type

Owner 73.0%
Renter 27.0%

$186,500

Median Home Value

-51% vs state

$1,257

Median Rent

1968

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+6.1%

YoY Change (2024)

213

HPI Index (2000 = 100)

+113%

Total Change Since 2000

Home values in ZIP 14845 have increased 6.1% over the past year (2024). Since 2000, this ZIP has seen +113% cumulative appreciation.

Year Annual Change HPI Index
2020 +5.3% 161
2021 +5.7% 170
2022 +9.9% 187
2023 +7.2% 200
2024 +6.1% 213

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 502 business establishments in ZIP 14845, employing approximately 8,533 people with a combined annual payroll of $402,255,000.

502

Businesses

8,533

Employees

$402.3M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Retail trade 103 20.5%
Accommodation and food services 78 15.5%
Other services (except public administration) 51 10.2%
Health care and social assistance 46 9.2%
Construction 34 6.8%
Professional, scientific, and technical services 25 5.0%
Transportation and warehousing 24 4.8%
Administrative and support and waste management and remediation services 24 4.8%
Wholesale trade 23 4.6%
Real estate and rental and leasing 23 4.6%
Manufacturing 21 4.2%
Finance and insurance 17 3.4%
Information 13 2.6%
Arts, entertainment, and recreation 7 1.4%
Management of companies and enterprises 4 0.8%
Educational services 4 0.8%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 14845 vs 14872 →

ZIP 14845 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 14845 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 14845 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 14845 ranks #3 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
14872 Pine Valley, NY 605 3.1 mi
14864 Millport, NY 1,307 5.1 mi
14816 Breesport, NY 520 5.4 mi
14903 Elmira, NY 7,567 5.9 mi
14905 Elmira, NY 9,070 8.1 mi
14865 Montour Falls, NY 2,607 9.9 mi
14904 Elmira, NY 16,269 9.5 mi
14814 Big Flats, NY 1,931 7.1 mi
14824 Cayuta, NY 678 8.1 mi
14901 Elmira, NY 16,736 9.7 mi

More ZIP Codes in Chemung County

14901 standard
Elmira, NY
Pop: 16,736
14904 standard
Elmira, NY
Pop: 16,269
14905 standard
Elmira, NY
Pop: 9,070
14903 standard
Elmira, NY
Pop: 7,567
14871 standard
Pine City, NY
Pop: 5,456
14838 standard
Erin, NY
Pop: 1,956

Related Areas

Chemung County Horseheads, NY New York

Frequently Asked Questions

What county is ZIP code 14845 in? ▼
ZIP code 14845 (Horseheads) is located in Chemung County, New York. Chemung County contains multiple ZIP codes, see the full list at /counties/chemung-ny.
What is the population of ZIP code 14845? ▼
ZIP code 14845 in Horseheads, NY has a population of 20,453 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 14845? ▼
The median household income in ZIP 14845 is $76,832, which is 1% above the national average of $76,288.
What is the average home value in ZIP 14845? ▼
The median home value in ZIP 14845 is $186,500, which is 33% below the national average of $278,155.
What is the demographic makeup of ZIP 14845? ▼
The largest racial group in ZIP 14845 is White at 91.2%. Hispanic or Latino residents make up 1.8% of the population.
How many businesses are in ZIP code 14845? ▼
ZIP code 14845 has 502 business establishments employing approximately 8,533 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 14845? ▼
The top industries by establishment count in ZIP 14845 are: Retail trade (103), Accommodation and food services (78), Other services (except public administration) (51). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 14845? ▼
According to the FHFA House Price Index, home values in ZIP 14845 increased by 6.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 113%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 14845? ▼
In ZIP code 14845, 67.2% of residents aged 25+ have a high school diploma or higher, and 37.1% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 14845? ▼
The mean commute time for workers in ZIP code 14845 is 18.3 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 14845? ▼
In ZIP code 14845, approximately 73.0% of occupied housing units are owner-occupied and 27.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 14845? ▼
The poverty rate in ZIP code 14845 is 7.4% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.