Elmira, NY · standard
ZIP Code 14903
Chemung County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 7,567
- 140/sq mi High-density area
- $67,012
- Median income Near-median income area
- $129,400
- Median home value Below-median home value
- 27.8%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Elmira pairs a below-median household income with among the most affordable home values nationally, in a rural, homeowner-dominated area.
- 42nd pct
- household income, US ZIPs
- 20th pct
- home value, US ZIPs
- 140
- people per sq mi
- 65%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 14903 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 14903 (Elmira, NY) rose +6.9% from 2023 to 2024. The all-transactions index moved from 177.2 in 2023 to 189.4 in 2024 (2000 = 100).
ZIP code 14903 is a mid-sized community (a standard USPS delivery area) in Elmira, Chemung County, New York, home to 7,567 residents across 54.1 square miles, a density of 140 people per square mile, in the New York time zone.
ZIP 14903 reports a modest median household income of $67,012 (28% below the average New York ZIP), while per-capita income is $45,538. The poverty rate is 18.4%, with unemployment at 5.6%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $129,400 (66% below the average New York ZIP), and median rent is $991; owner occupancy is 65.2%.
Educational attainment sits below the national norm: 27.8% of adults hold a bachelor's degree or higher, the median age is 43.2, and the average commute is 21 minutes. The page also surfaces 9 ZIP codes within roughly 10 miles and 6 more in Chemung County, so 14903 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 14903
Top 5 sectors by establishment count in Elmira, NY
Which industries have the most business establishments in ZIP 14903.
- Retail trade
Retail trade
59 establishments
- Other services (except public administration)
Other services (except public administration)
34 establishments
- Accommodation and food services
Accommodation and food services
30 establishments
- Construction 23
Construction
23 establishments
- Manufacturing 16
Manufacturing
16 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 14903, Elmira, 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
7,567
Population
54.1
Area (sq mi)
140
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 14903?
43.2
Median Age
47.1%
Male
52.9%
Female
2.7%
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?
$67,012
Median Household Income
-28% vs state ZIP avg
$45,538
Per Capita Income
18.4%
Poverty Rate
5.6%
Unemployment Rate
20.5 min
Mean Commute Time
How ZIP 14903 ranks among New York ZIPs
Elmira, 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)
$67,012 28th percentile higher than 28% 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
3,224housing units
3,224
Total Housing Units
3,056
Occupied Units
168
Vacant Units
2.31
Avg Household Size
Occupancy Type
$129,400
Median Home Value
-66% vs state ZIP avg
$991
Median Rent
1954
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
+6.9%
YoY Change (2024)
189
HPI Index (2000 = 100)
+89%
Total Change Since 2000
Home values in ZIP 14903 have increased 6.9% over the past year (2024). Since 2000, this ZIP has seen +89% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +0.5% | 142 |
| 2021 | +0.1% | 142 |
| 2022 | +19.4% | 169 |
| 2023 | +4.7% | 177 |
| 2024 | +6.9% | 189 |
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 248 business establishments in ZIP 14903, employing approximately 4,523 people with a combined annual payroll of $239,870,000.
248
Businesses
4,523
Employees
$239.9M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 59 | 23.8% |
| Other services (except public administration) | 34 | 13.7% |
| Accommodation and food services | 30 | 12.1% |
| Construction | 23 | 9.3% |
| Manufacturing | 16 | 6.5% |
| Health care and social assistance | 15 | 6.0% |
| Wholesale trade | 12 | 4.8% |
| Administrative and support and waste management and remediation services | 12 | 4.8% |
| Finance and insurance | 10 | 4.0% |
| Transportation and warehousing | 9 | 3.6% |
| Professional, scientific, and technical services | 9 | 3.6% |
| Real estate and rental and leasing | 8 | 3.2% |
| Arts, entertainment, and recreation | 5 | 2.0% |
| Information | 3 | 1.2% |
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 14903 vs 14905 →
ZIP 14903 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 14845
Horseheads (14845)
20,453 residents
- 14901
Elmira (14901)
16,736 residents
- 14904
Elmira (14904)
16,269 residents
- 14905
Elmira (14905)
9,070 residents
- 14903 7,567
Elmira (14903)
7,567 residents
- 14871 5,456
Pine City (14871)
5,456 residents
- 14814 1,931
Big Flats (14814)
1,931 residents
- 14894 1,454
Wellsburg (14894)
1,454 residents
- 14872 605
Pine Valley (14872)
605 residents
What this shows Among its immediate neighbors, ZIP 14903 ranks #5 by population - useful context the national average alone can't give.
ZIP 14903 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 14814
Big Flats (14814)
$98,783 median income
- 14905
Elmira (14905)
$90,825 median income
- 14845
Horseheads (14845)
$76,832 median income
- 14871
Pine City (14871)
$72,484 median income
- 14903
Elmira (14903)
$67,012 median income
- 14816
Breesport (14816)
$63,487 median income
- 14872
Pine Valley (14872)
$62,708 median income
- 14904
Elmira (14904)
$53,174 median income
- 14894
Wellsburg (14894)
$51,250 median income
What this shows By household income, ZIP 14903 ranks #5 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 14905 | Elmira, NY | 9,070 | 3.0 mi |
| 14814 | Big Flats, NY | 1,931 | 4.3 mi |
| 14845 | Horseheads, NY | 20,453 | 5.9 mi |
| 14871 | Pine City, NY | 5,456 | 6.2 mi |
| 14872 | Pine Valley, NY | 605 | 8.1 mi |
| 14904 | Elmira, NY | 16,269 | 5.5 mi |
| 14901 | Elmira, NY | 16,736 | 7.4 mi |
| 14894 | Wellsburg, NY | 1,454 | 9.0 mi |
| 14816 | Breesport, NY | 520 | 8.8 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 14903, 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 (7,567 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Chemung County
Related Areas
Frequently Asked Questions
What county is ZIP code 14903 in?
ZIP code 14903 (Elmira) 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 14903?
ZIP code 14903 in Elmira, NY has a population of 7,567 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 14903?
The median household income in ZIP 14903 is $67,012, which is 12% below the national average of $76,288.
What is the average home value in ZIP 14903?
The median home value in ZIP 14903 is $129,400, which is 53% below the national average of $278,155.
What is the demographic makeup of ZIP 14903?
The largest racial group in ZIP 14903 is White at 85.3%. Hispanic or Latino residents make up 1.7% of the population.
How many businesses are in ZIP code 14903?
ZIP code 14903 has 248 business establishments employing approximately 4,523 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 14903?
The top industries by establishment count in ZIP 14903 are: Retail trade (59), Other services (except public administration) (34), Accommodation and food services (30). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 14903?
According to the FHFA House Price Index, home values in ZIP 14903 increased by 6.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 89%. 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 14903?
In ZIP code 14903, 57.5% of residents aged 25+ have a high school diploma or higher, and 27.8% 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 14903?
The mean commute time for workers in ZIP code 14903 is 20.5 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 14903?
In ZIP code 14903, approximately 65.2% of occupied housing units are owner-occupied and 34.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 14903?
The poverty rate in ZIP code 14903 is 18.4% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 14903's numbers, next.
- See how ZIP 14903 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Elmira, 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.