Estimated median household income in 2007: $43,604
| This zip code: | $43,604 | | New York: | $53,514 |
Nearest zip codes: 14548, 14432, 14522, 14425, 14424, 14502.
Housing units in zip code 14504 with a mortgage: 180 (19 second mortgage, 25 home equity loan, 0 both second mortgage and home equity loan)
Houses without a mortgage: 106
Median monthly owner costs for units with a mortgage: $1,296
Median monthly owner costs for units without a mortgage: $507
Residents with income below the poverty level in 2007:
| This zip code: | 7.4% | | Whole state: | 13.7% |
Residents with income below 50% of the poverty level in 2007:
| This zip code: | 1.4% | | Whole state: | 6.1% |
Median number of rooms in houses and condos:
| Here: | 5.7 | | State: | 6.3 |
Median number of rooms in apartments:
| Here: | 4.9 | | State: | 3.6 |
Year house built: |
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- 1999 to March 2000: 2
- 1995 to 1998: 6
- 1990 to 1994: 32
- 1980 to 1989: 72
- 1970 to 1979: 169
- 1960 to 1969: 25
- 1950 to 1959: 50
- 1940 to 1949: 9
- 1939 or earlier: 265
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Bedrooms in owner-occupied houses in Manchester, NY (14504): |
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- no bedroom: 0
- 1 bedrooms: 19
- 2 bedrooms: 193
- 3 bedrooms: 206
- 4 bedrooms: 72
- 5 or more bedrooms: 8
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Bedrooms in renter-occupied apartments and housing units: |
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- no bedroom: 0
- 1 bedrooms: 18
- 2 bedrooms: 30
- 3 bedrooms: 27
- 4 bedrooms: 8
- 5 or more bedrooms: 2
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Vehicles available in 14504 zip code in owner-occupied houses/condos: |
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- no vehicle: 25
- 1 vehicle: 217
- 2 vehicles: 182
- 3 vehicles: 66
- 4 vehicles: 6
- 5 or more vehicles: 2
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Vehicles available in renter-occupied apartments: |
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- no vehicle: 4
- 1 vehicle: 43
- 2 vehicles: 36
- 3 vehicles: 2
- 4 vehicles: 0
- 5 or more vehicles: 0
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Estimated household income distribution in 2007:

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Estimate of home value of owner-occupied houses/condos in 2007 in zip code 14504:
- Less than $10,000: 16
- $10,000 to $14,999: 8
- $15,000 to $19,999: 8
- $20,000 to $24,999: 19
- $25,000 to $29,999: 22
- $30,000 to $34,999: 18
- $35,000 to $39,999: 16
- $40,000 to $49,999: 21
- $50,000 to $59,999: 18
- $60,000 to $69,999: 8
- $70,000 to $79,999: 14
- $80,000 to $89,999: 16
- $90,000 to $99,999: 12
- $100,000 to $124,999: 38
- $125,000 to $149,999: 83
- $150,000 to $174,999: 85
- $175,000 to $199,999: 41
- $200,000 to $249,999: 23
- $250,000 to $299,999: 4
- $300,000 to $399,999: 6
- $400,000 to $499,999: 2
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Rent paid by renters in 2007 in zip code 14504:
- $300 to $349: 4
- $350 to $399: 3
- $400 to $449: 1
- $450 to $499: 8
- $500 to $549: 13
- $550 to $599: 3
- $600 to $649: 6
- $650 to $699: 1
- $700 to $749: 1
- $800 to $899: 2
- No cash rent: 20
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Median price asked for vacant for-sale houses and condos in 2007: $142,225.
Estimated median house (or condo) value in 2007 for: - White Non-Hispanic householders: $154,235
- Some other race householders: $200,169
- Two or more races householders: $158,028
- Hispanic or Latino householders: $200,169
Estimated median house or condo value in 2007: $136,207 (it was $60,400 in 2000)
| 14504: | $136,207 | | New York: | $311,000 |
Lower value quartile - upper value quartile: $104,657 - $209,145
Mean price in 2007:
Detached houses: $147,993| Here: | $147,993 | | State: | $352,556 |
Townhouses or other attached units: $169,363| Here: | $169,363 | | State: | $476,263 |
In 2-unit structures: $168,316| Here: | $168,316 | | State: | $482,362 |
Mobile homes: $21,324| Here: | $21,324 | | State: | $40,766 |
Owners and renters by unit type in %
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Breakdown of mean house values by ages of householders
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Housing units in structures:
- One, detached: 330
- One, attached: 10
- Two: 21
- 3 or 4: 10
- 10 to 19: 5
- 20 to 49: 2
- Mobile homes: 252

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Means of transportation to work
- Drove a car alone: 546 (88%)
- Carpooled: 53 (9%)
- Walked: 11 (2%)
- Other means: 2 (0%)
- Worked at home: 5 (1%)
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Travel time to work
- Less than 5 minutes: 55
- 5 to 9 minutes: 34
- 10 to 14 minutes: 125
- 15 to 19 minutes: 149
- 20 to 24 minutes: 76
- 25 to 29 minutes: 24
- 30 to 34 minutes: 48
- 35 to 39 minutes: 28
- 40 to 44 minutes: 27
- 45 to 59 minutes: 27
- 60 to 89 minutes: 11
- 90 or more minutes: 8
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Percentage of zip code residents living and working in this county: 71.0%
Household type by relationship
Households: 1,318
- In family households: 1,051 (260 male householders, 95 female householders)
272 spouses, 371 children (335 natural, 6 adopted, 30 stepchildren), 20 grandchildren, 7 brothers or sisters, 0 parents, 5 other relatives, 21 non-relatives
- In nonfamily households: 267 (88 male householders (63 living alone)), 131 female householders (113 living alone)), 48 nonrelatives
Size of family households: 168 2-persons, 89 3-persons, 55 4-persons, 28 5-persons, 12 6-persons, 3 7-or-more-persons.
Size of nonfamily households: 176 1-person, 40 2-persons, 3 3-persons.
179 married couples with children.
77 single-parent households (25 men, 52 women).
97.0% of residents of 14504 zip code speak English at home.
0.8% of residents speak Spanish at home (50% very well, 30% well, 20% not well).
1.4% of residents speak other Indo-European language at home (100% very well).
0.5% of residents speak Asian or Pacific Island language at home (100% well).
0.3% of residents speak other language at home (50% very well, 50% not well).
Foreign born population: 18 (1.4%)
(38.9% of them are naturalized citizens)
| This zip code: | 1.4% | | Whole state: | 20.4% |
Most common places of birth for the foreign-born residents:
- Mexico (33%)
- Canada (28%)
- Italy (22%)
- Indonesia (11%)
Year of entry for the foreign-born population |
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- 1995 to March 2000: 0
- 1990 to 1994: 0
- 1985 to 1989: 3
- 1980 to 1984: 0
- 1975 to 1979: 0
- 1970 to 1974: 2
- 1970 to 1974: 2
- 1965 to 1969: 11
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White population: 1,283
Black population: 6
American Indian population: 3
Asian population: 3
Native Hawaiian and Other Pacific Islander population: 0
Some other race population: 3
Two or more races population: 14

First ancestries reported:
|  Italian: 281 |
|  German: 194 |
|  English: 175 |
|  Irish: 149 |
|  United States or American: 57 |
|  Dutch: 49 |
|  Other groups: 47 |
|  Polish: 28 |
|  Ukrainian: 27 |
|  French (except Basque): 26 |
|  Scottish: 24 |
|  Arab:: 19 |
|  Syrian: 17 |
|  Danish: 15 |
|  Swedish: 11 |
|  Scotch-Irish: 9 |
|  French Canadian: 9 |
|  Norwegian: 8 |
|  European: 7 |
|  Belgian: 4 |
|  Celtic: 4 |
|  Canadian: 3 |
|  Austrian: 3 |
|  Russian: 3 |
|  British: 2 |
|  Greek: 2 |
|  Lebanese: 2 |
|  Pennsylvania German: 2 |
|  Portuguese: 2 |
|  Swiss: 2 |
|  Welsh: 2 |
|  Yugoslavian: 2 |

Facitilies with environmental interests located in this zip code:
- ARK CLEANERS (12-14 S MAIN ST in MANCHESTER, NY)
(Resource Conservation and Recovery Act (tracking hazardous waste))
Median worth of mobile homes: $20,263
Housing units lacking complete kitchen facilities: 0%
Most commonly used house heating fuel: |
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- Utility gas (93%)
- Electricity (4%)
- Bottled, tank, or LP gas (1%)
- Fuel oil, kerosene, etc. (1%)
- Other fuel (1%)
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Place of birth for U.S.-born residents:
- This state: 1157
- Northeast: 43
- Midwest: 37
- South: 30
- West: 25
60% of the 14504 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 68% lived in this county.
Out of people who lived in different counties, 64% lived in New York.
Population in 1990: 1,522. Population change in the 1990s: -210 (-13.8%).
Year Householders Moved Into Unit:
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 17
| Here: | 10.5% | | New York: | 14.0% |
Students in private schools in grades 9 to 12 (high school): 3
| Here: | 3.8% | | New York: | 13.2% |
Students in private undergraduate colleges: 2
| Here: | 6.7% | | New York: | 38.2% |
School Enrollment by Level of School
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Top industries in this zip code by the number of employees in 2005:
- Accommodation and Food Services: Limited-Service Restaurants (20-49 employees: 1 establishment)
- Accommodation and Food Services: Full-Service Restaurants (10-19: 1, 1-4: 1)
- Accommodation and Food Services: Hotels (except Casino Hotels) and Motels (5-9: 1, 1-4: 1)
- Finance and Insurance: Insurance Agencies and Brokerages (5-9: 1)
- Finance and Insurance: Commercial Banking (5-9: 1)
Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)
Age and Sex of Physically-Disabled Residents (Noninstitutionalized)
Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)
Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)
Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)
Age and Sex of Residents with Employment Disability (Noninst.)
Home Mortgage Disclosure Act Aggregated Statistics For Year 2007 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 4 | $86,190 | 11 | $71,122 | 10 | $76,755 | 10 | $13,031 | 2 | $55,335 | 5 | $34,732 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $35,450 | 2 | $36,720 | 2 | $84,150 | 2 | $23,460 | 0 | $0 | 1 | $61,450 |
| APPLICATIONS DENIED | 2 | $51,765 | 5 | $62,576 | 15 | $79,543 | 8 | $33,023 | 2 | $75,610 | 7 | $44,297 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 3 | $60,777 | 8 | $95,625 | 1 | $7,650 | 1 | $68,850 | 1 | $50,230 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $42,080 | 1 | $61,200 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 2 | $88,230 | 13 | $70,792 | 14 | $73,367 | 10 | $14,994 | 1 | $70,640 | 4 | $34,935 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 4 | $63,240 | 3 | $75,227 | 1 | $9,180 | 1 | $18,620 | 2 | $54,445 |
| APPLICATIONS DENIED | 0 | $0 | 4 | $56,865 | 14 | $77,393 | 6 | $17,935 | 0 | $0 | 3 | $26,860 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $42,840 | 11 | $87,929 | 1 | $92,310 | 0 | $0 | 1 | $34,170 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $90,020 | 3 | $77,010 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 2 | $98,940 | 11 | $69,569 | 10 | $83,258 | 7 | $11,913 | 2 | $79,690 | 3 | $28,137 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 2 | $58,140 | 2 | $88,870 | 1 | $26,780 | 0 | $0 | 1 | $46,920 |
| APPLICATIONS DENIED | 1 | $82,360 | 6 | $67,320 | 19 | $80,540 | 7 | $18,069 | 1 | $53,550 | 5 | $49,114 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 2 | $50,365 | 11 | $89,528 | 2 | $79,560 | 1 | $61,450 | 1 | $68,090 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 3 | $117,213 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 3 | $73,950 | 15 | $62,373 | 17 | $69,870 | 8 | $19,794 | 1 | $65,790 | 7 | $29,253 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 2 | $50,110 | 3 | $68,170 | 1 | $48,960 | 0 | $0 | 1 | $62,480 |
| APPLICATIONS DENIED | 1 | $104,810 | 6 | $37,910 | 15 | $75,531 | 6 | $20,698 | 2 | $48,195 | 6 | $33,703 |
| APPLICATIONS WITHDRAWN | 1 | $53,040 | 2 | $54,825 | 10 | $83,946 | 2 | $23,205 | 0 | $0 | 1 | $48,960 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 2 | $75,610 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2003 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
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| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 2 | $102,000 | 8 | $58,618 | 28 | $73,413 | 6 | $8,117 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 3 | $56,357 | 4 | $77,775 | 1 | $5,360 |
| APPLICATIONS DENIED | 1 | $33,150 | 3 | $44,283 | 17 | $70,230 | 5 | $13,618 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $95,110 | 12 | $85,467 | 1 | $21,160 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $53,810 | 1 | $56,100 | 0 | $0 |
Aggregated Statistics For Year 1999 (Based on 1 partial tract)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
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| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 1 | $70,600 | 2 | $58,840 | 4 | $58,553 | 3 | $12,390 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 1 | $62,540 | 1 | $58,000 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 3 | $44,417 | 3 | $44,197 | 1 | $20,800 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 2 | $48,755 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
Detailed HMDA statistics for the following Tracts:
0503.02
Private Mortgage Insurance Companies Aggregated Statistics For Year 2007 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| D) Loans On Manufactured Home Dwelling (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 4 | $92,120 | 2 | $89,890 | 1 | $55,340 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $67,060 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
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| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 4 | $86,573 | 2 | $78,160 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $49,730 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
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| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 4 | $92,758 | 1 | $142,800 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 1 | $92,310 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $43,610 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 5 | $87,058 | 2 | $81,090 | 1 | $56,100 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $59,930 | 1 | $49,220 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2003 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
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| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 3 | $72,930 | 3 | $92,397 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $61,200 | 1 | $39,780 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Detailed PMIC statistics for the following Tracts:
0503.02
Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
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