PlainZIP

Waverly, NY · standard

ZIP Code 14892

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

8,189
74/sq mi
$54,043
Median income
$139,000
Median home value
14.7%
Bachelor's or higher

The verdict

Waverly pairs one of the lowest household incomes in the country with among the most affordable home values nationally, in a rural, homeowner-dominated area.

20th pct
household income, US ZIPs
22th pct
home value, US ZIPs
74
people per sq mi
72%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 14892 against every reporting US ZIP.

ZIP code 14892 is a mid-sized community (a standard USPS delivery area) in Waverly, Tioga County, New York, home to 8,189 residents across 111.1 square miles, a density of 74 people per square mile, in the New York time zone.

ZIP 14892 reports a modest median household income of $54,043 (42% below the New York average), while per-capita income is $37,905. 12.1% of residents live below the poverty line, and the unemployment rate reads 6.0%. Housing costs here run $139,000 for a typical home value (63% below the state average), with rent averaging $959 a month; 72.1% of homes are owner-occupied.

Formal educational attainment runs low here: just 14.7% of adults hold a bachelor's degree or higher, the median age is 48.3, and the average commute is 20 minutes. To put 14892 in local context, 6 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Tioga County, for a geography-aware comparison.

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 14892

Top 5 sectors by establishment count in Waverly, NY

Which industries have the most business establishments in ZIP 14892.

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 14892, Waverly, 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

8,189

Population

111.1

Area (sq mi)

74

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 14892?

48.3

Median Age

48.7%

Male

51.3%

Female

2.1%

Foreign-Born

White 94.4%
African American 1.3%
Asian 1.2%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 2.3%
Hispanic or Latino 3.6%

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?

$54,043

Median Household Income

-42% vs state

$37,905

Per Capita Income

12.1%

Poverty Rate

6.0%

Unemployment Rate

19.5 min

Mean Commute Time

How ZIP 14892 ranks nationally

Waverly, NY household income vs. every US ZIP code

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

$54,043 20th percentile higher than 20% 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%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $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 62.9%
Bachelor's Degree or Higher 14.7%

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

What does housing look like?

4,059

Total Housing Units

3,460

Occupied Units

599

Vacant Units

2.14

Avg Household Size

Occupancy Type

Owner 72.1%
Renter 27.9%

$139,000

Median Home Value

-63% vs state

$959

Median Rent

1967

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

+18.6%

YoY Change (2024)

282

HPI Index (2000 = 100)

+182%

Total Change Since 2000

Home values in ZIP 14892 have increased 18.6% over the past year (2024). Since 2000, this ZIP has seen +182% cumulative appreciation.

Year Annual Change HPI Index
2020 – 194
2021 +4.5% 203
2022 +2.1% 207
2023 +15.0% 238
2024 +18.6% 282

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 127 business establishments in ZIP 14892, employing approximately 1,961 people with a combined annual payroll of $83,325,000.

127

Businesses

1,961

Employees

$83.3M

Annual Payroll

13

Industry Sectors

Industry Establishments % of Total
Retail trade 22 17.3%
Other services (except public administration) 19 15.0%
Health care and social assistance 16 12.6%
Accommodation and food services 14 11.0%
Construction 10 7.9%
Administrative and support and waste management and remediation services 7 5.5%
Arts, entertainment, and recreation 7 5.5%
Wholesale trade 6 4.7%
Manufacturing 5 3.9%
Transportation and warehousing 5 3.9%
Finance and insurance 4 3.1%
Real estate and rental and leasing 4 3.1%
Professional, scientific, and technical services 4 3.1%

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 14892 vs 14859 →

ZIP 14892 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 14892 ranks #2 by population - useful context the national average alone can't give.

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

ZIP 14892 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 14892 ranks #7 of 7 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
14859 Lockwood, NY 1,029 5.0 mi
18840 Sayre, PA 10,731 5.3 mi
14825 Chemung, NY 919 4.9 mi
18810 Athens, PA 6,162 7.9 mi
13734 Barton, NY 2,287 6.4 mi
14838 Erin, NY 1,956 12.0 mi

More ZIP Codes in Tioga County

13827 standard
Owego, NY
Pop: 11,759
13732 standard
Apalachin, NY
Pop: 8,153
13811 standard
Newark Valley, NY
Pop: 4,354
14883 standard
Spencer, NY
Pop: 4,136
13743 standard
Candor, NY
Pop: 3,806
13812 standard
Nichols, NY
Pop: 2,348

Related Areas

Tioga County Waverly, NY New York

Frequently Asked Questions

What county is ZIP code 14892 in? ▼
ZIP code 14892 (Waverly) is located in Tioga County, New York. Tioga County contains multiple ZIP codes, see the full list at /counties/tioga-ny.
What is the population of ZIP code 14892? ▼
ZIP code 14892 in Waverly, NY has a population of 8,189 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 14892? ▼
The median household income in ZIP 14892 is $54,043, which is 29% below the national average of $76,288.
What is the average home value in ZIP 14892? ▼
The median home value in ZIP 14892 is $139,000, which is 50% below the national average of $278,155.
What is the demographic makeup of ZIP 14892? ▼
The largest racial group in ZIP 14892 is White at 94.4%. Hispanic or Latino residents make up 3.6% of the population.
How many businesses are in ZIP code 14892? ▼
ZIP code 14892 has 127 business establishments employing approximately 1,961 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 14892? ▼
The top industries by establishment count in ZIP 14892 are: Retail trade (22), Other services (except public administration) (19), Health care and social assistance (16). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 14892? ▼
According to the FHFA House Price Index, home values in ZIP 14892 increased by 18.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 182%. 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 14892? ▼
In ZIP code 14892, 62.9% of residents aged 25+ have a high school diploma or higher, and 14.7% 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 14892? ▼
The mean commute time for workers in ZIP code 14892 is 19.5 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 14892? ▼
In ZIP code 14892, approximately 72.1% of occupied housing units are owner-occupied and 27.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 14892? ▼
The poverty rate in ZIP code 14892 is 12.1% 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.