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 Moderate-density area
- $54,043
- Median income Below-median income area
- $139,000
- Median home value Below-median home value
- 14.7%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
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
- 22nd 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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 14892 (Waverly, NY) rose +18.6% from 2023 to 2024. The all-transactions index moved from 237.7 in 2023 to 281.7 in 2024 (2000 = 100).
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 average New York ZIP), while per-capita income is $37,905. The poverty rate is 12.1%, with unemployment at 6.0%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $139,000 (63% below the average New York ZIP), and median rent is $959; owner occupancy is 72.1%.
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. The page also surfaces 6 ZIP codes within roughly 10 miles and 6 more in Tioga County, so 14892 can be compared with both its immediate and county-level context.
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.
- Retail trade
Retail trade
22 establishments
- Other services (except public administration)
Other services (except public administration)
19 establishments
- Health care and social assistance
Health care and social assistance
16 establishments
- Accommodation and food services
Accommodation and food services
14 establishments
- Construction
Construction
10 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, 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
Who lives in ZIP 14892?
48.3
Median Age
48.7%
Male
51.3%
Female
2.1%
Foreign-Born
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 ZIP avg
$37,905
Per Capita Income
12.1%
Poverty Rate
6.0%
Unemployment Rate
19.5 min
Mean Commute Time
How ZIP 14892 ranks among New York ZIPs
Waverly, NY household income vs. every New York ZIP code
Median household income among 1,626 reporting New York ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$54,043 9th percentile higher than 9% of 1,626 New York ZIPs
Each bar is a $20K-wide band; taller bars hold more New York 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
4,059housing units
4,059
Total Housing Units
3,460
Occupied Units
599
Vacant Units
2.14
Avg Household Size
Occupancy Type
$139,000
Median Home Value
-63% vs state ZIP avg
$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.
- 18840
Sayre (18840)
10,731 residents
- 14892
Waverly (14892)
8,189 residents
- 18810
Athens (18810)
6,162 residents
- 13734 2,287
Barton (13734)
2,287 residents
- 14838 1,956
Erin (14838)
1,956 residents
- 14859 1,029
Lockwood (14859)
1,029 residents
- 14825 919
Chemung (14825)
919 residents
What this shows Among its immediate neighbors, ZIP 14892 ranks #2 by population - useful context the national average alone can't give.
ZIP 14892 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 14859
Lockwood (14859)
$98,750 median income
- 14838
Erin (14838)
$73,884 median income
- 13734
Barton (13734)
$63,523 median income
- 14825
Chemung (14825)
$61,250 median income
- 18840
Sayre (18840)
$59,214 median income
- 18810
Athens (18810)
$58,750 median income
- 14892
Waverly (14892)
$54,043 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 14892, both outside NY so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (8,189 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Tioga County
Related Areas
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.
Related
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What to do with ZIP 14892's numbers, next.
- See how ZIP 14892 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Waverly, NY ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.