Estimated median household income in 2008: $56,091
| This zip code: | $56,091 | | New York: | $56,033 |
Nearest zip codes: 14710, 14750, 14728, 14757, 14782, 14701.
Housing units in zip code 14712 with a mortgage: 551 (21 second mortgage, 159 home equity loan, 0 both second mortgage and home equity loan)
Houses without a mortgage: 311
Median monthly owner costs for units with a mortgage: $1,462
Median monthly owner costs for units without a mortgage: $544
Residents with income below the poverty level in 2008:
| This zip code: | 7.5% | | Whole state: | 13.6% |
Residents with income below 50% of the poverty level in 2008:
| This zip code: | 2.4% | | Whole state: | 6.0% |
Median number of rooms in houses and condos:
| Here: | 6.4 | | State: | 6.3 |
Median number of rooms in apartments:
| Here: | 4.6 | | State: | 3.6 |
Year house built: |
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- 1999 to March 2000: 58
- 1995 to 1998: 121
- 1990 to 1994: 159
- 1980 to 1989: 256
- 1970 to 1979: 261
- 1960 to 1969: 193
- 1950 to 1959: 232
- 1940 to 1949: 259
- 1939 or earlier: 539
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Bedrooms in owner-occupied houses in Bemus Point, NY (14712): |
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- no bedroom: 0
- 1 bedrooms: 13
- 2 bedrooms: 263
- 3 bedrooms: 537
- 4 bedrooms: 303
- 5 or more bedrooms: 54
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Bedrooms in renter-occupied apartments and housing units: |
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- no bedroom: 9
- 1 bedrooms: 74
- 2 bedrooms: 99
- 3 bedrooms: 65
- 4 bedrooms: 2
- 5 or more bedrooms: 17
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Vehicles available in 14712 zip code in owner-occupied houses/condos: |
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- no vehicle: 22
- 1 vehicle: 270
- 2 vehicles: 665
- 3 vehicles: 136
- 4 vehicles: 56
- 5 or more vehicles: 21
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Vehicles available in renter-occupied apartments: |
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- no vehicle: 56
- 1 vehicle: 114
- 2 vehicles: 80
- 3 vehicles: 16
- 4 vehicles: 0
- 5 or more vehicles: 0
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Estimated household income distribution in 2008:

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Estimate of home value of owner-occupied houses/condos in 2008 in zip code 14712:
- Less than $10,000: 13
- $10,000 to $14,999: 6
- $15,000 to $19,999: 6
- $20,000 to $24,999: 7
- $25,000 to $29,999: 7
- $30,000 to $34,999: 13
- $35,000 to $39,999: 19
- $40,000 to $49,999: 23
- $50,000 to $59,999: 16
- $60,000 to $69,999: 20
- $70,000 to $79,999: 18
- $80,000 to $89,999: 13
- $90,000 to $99,999: 13
- $100,000 to $124,999: 80
- $125,000 to $149,999: 104
- $150,000 to $174,999: 134
- $175,000 to $199,999: 84
- $200,000 to $249,999: 136
- $250,000 to $299,999: 104
- $300,000 to $399,999: 142
- $400,000 to $499,999: 55
- $500,000 to $749,999: 82
- $750,000 to $999,999: 34
- $1,000,000 or more: 18
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Rent paid by renters in 2008 in zip code 14712:
- $100 to $149: 4
- $150 to $199: 16
- $200 to $249: 5
- $250 to $299: 2
- $300 to $349: 2
- $350 to $399: 26
- $400 to $449: 26
- $450 to $499: 25
- $500 to $549: 25
- $550 to $599: 16
- $600 to $649: 11
- $650 to $699: 7
- $750 to $799: 11
- $800 to $899: 17
- $900 to $999: 4
- No cash rent: 48
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Median price asked for vacant for-sale houses and condos in 2008: $0.
Estimated median house (or condo) value in 2008 for: - White Non-Hispanic householders: $225,347
Estimated median house or condo value in 2008: $173,412 (it was $92,000 in 2000)
| 14712: | $173,412 | | New York: | $318,900 |
Lower value quartile - upper value quartile: $109,730 - $543,446
Mean price in 2008:
Detached houses: $256,069| Here: | $256,069 | | State: | $361,784 |
Townhouses or other attached units: $271,277| Here: | $271,277 | | State: | $496,977 |
In 2-unit structures: $126,026| Here: | $126,026 | | State: | $485,140 |
In 5-or-more-unit structures: $190,726| Here: | $190,726 | | State: | $694,721 |
Mobile homes: $27,688| Here: | $27,688 | | 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: 1,634
- One, attached: 20
- Two: 67
- 3 or 4: 24
- 5 to 9: 25
- 10 to 19: 43
- Mobile homes: 248
- Boats, RVs, vans, etc.: 17

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Means of transportation to work
- Drove a car alone: 1,383 (85%)
- Carpooled: 133 (8%)
- Walked: 46 (3%)
- Other means: 10 (1%)
- Worked at home: 46 (3%)
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Travel time to work
- Less than 5 minutes: 105
- 5 to 9 minutes: 166
- 10 to 14 minutes: 189
- 15 to 19 minutes: 356
- 20 to 24 minutes: 397
- 25 to 29 minutes: 57
- 30 to 34 minutes: 129
- 35 to 39 minutes: 43
- 40 to 44 minutes: 28
- 45 to 59 minutes: 31
- 60 to 89 minutes: 37
- 90 or more minutes: 34
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Percentage of zip code residents living and working in this county: 88.3%
Household type by relationship
Households: 3,525
- In family households: 3,085 (861 male householders, 172 female householders)
884 spouses, 1,000 children (895 natural, 33 adopted, 72 stepchildren), 29 grandchildren, 3 brothers or sisters, 48 parents, 18 other relatives, 70 non-relatives
- In nonfamily households: 440 (121 male householders (94 living alone)), 257 female householders (235 living alone)), 62 nonrelatives
Size of family households: 512 2-persons, 184 3-persons, 203 4-persons, 95 5-persons, 32 6-persons, 7 7-or-more-persons.
Size of nonfamily households: 329 1-person, 41 2-persons, 8 3-persons.
689 married couples with children.
136 single-parent households (38 men, 98 women).
98.2% of residents of 14712 zip code speak English at home.
1.6% of residents speak Spanish at home (65% very well, 35% well).
0.2% of residents speak other Indo-European language at home (100% very well).
Foreign born population: 35 (1.0%)
(88.6% of them are naturalized citizens)
| This zip code: | 1.0% | | Whole state: | 20.4% |
Most common places of birth for the foreign-born residents:
- Italy (26%)
- Vietnam (26%)
- Canada (23%)
- Guatemala (20%)
- Austria (6%)
Year of entry for the foreign-born population |
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- 1995 to March 2000: 0
- 1990 to 1994: 16
- 1985 to 1989: 0
- 1980 to 1984: 0
- 1975 to 1979: 0
- 1970 to 1974: 0
- 1970 to 1974: 4
- 1965 to 1969: 15
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White population: 3,475
Black population: 7
American Indian population: 10
Asian population: 8
Native Hawaiian and Other Pacific Islander population: 0
Some other race population: 18
Two or more races population: 15
First ancestries reported:
|  Swedish: 613 |
|  English: 526 |
|  German: 459 |
|  Irish: 322 |
|  Italian: 176 |
|  United States or American: 148 |
|  Scotch-Irish: 147 |
|  French (except Basque): 108 |
|  Other groups: 79 |
|  Scottish: 60 |
|  Polish: 40 |
|  Dutch: 37 |
|  Russian: 36 |
|  Norwegian: 21 |
|  British: 20 |
|  European: 20 |
|  Austrian: 19 |
|  Ukrainian: 14 |
|  Danish: 12 |
|  Czech: 10 |
|  Slovene: 9 |
|  Finnish: 8 |
|  Czechoslovakian: 8 |
|  Swiss: 7 |
|  Hungarian: 2 |
|  Maltese: 2 |

facilities with environmental interests located in this zip code:
- BEMUS ES (41 LIBERTY ST in BEMUS POINT, NY)
(National Center for Education Statistics) - STATE ID-061001040001
Organizations: BEMUS POINT CSD (SCHOOL DISTRICT)
- BEMUS POINT GARAGE (60 LAKESIDE DR in BEMUS POINT, NY)
(Resource Conservation and Recovery Act (tracking hazardous waste))
- BEMUS POINT CENTRAL SCHOOL DIST (DUTCH HOLLOW & BECK RD in BEMUS POINT, NY)
Conditionally Exempt Small Quantity Generators, less than 100 kg/month of hazardous waste (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification
- BEMUS POINT CENTRAL SCHOOL BUS GARAGE (MAIN STREET in BEMUS POINT, NY)
ENFORCEMENT/COMPLIANCE ACTIVITY (Integrated Compliance Information System)
Median worth of mobile homes: $22,577
Housing units lacking complete plumbing facilities: 2%
Housing units lacking complete kitchen facilities: 2%
Most commonly used house heating fuel: |
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- Utility gas (76%)
- Bottled, tank, or LP gas (7%)
- Fuel oil, kerosene, etc. (6%)
- Electricity (6%)
- Wood (5%)
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Place of birth for U.S.-born residents:
- This state: 2624
- Northeast: 412
- Midwest: 218
- South: 172
- West: 53
67% of the 14712 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 74% lived in this county.
Out of people who lived in different counties, 35% lived in New York.
Population in 1990: 3,591. Population change in the 1990s: -58 (-1.6%).
Year Householders Moved Into Unit:
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 2
| Here: | 0.5% | | New York: | 14.0% |
Students in private schools in grades 9 to 12 (high school): 0
| Here: | 0.0% | | New York: | 13.2% |
Students in private undergraduate colleges: 40
| Here: | 41.2% | | 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: Full-Service Restaurants (20-49 employees: 1 establishment, 10-19 employees: 3 establishments, 5-9 employees: 1 establishment, 1-4 employees: 4 establishments)
- Other Services (except Public Administration): Religious Organizations (10-19: 2, 5-9: 1, 1-4: 2)
- Other Services (except Public Administration): Civic and Social Organizations (5-9: 1, 1-4: 1)
- Health Care and Social Assistance: Offices of Physicians (except Mental Health Specialists) (5-9: 1, 1-4: 1)
- Construction: Electrical Contractors (5-9: 1, 1-4: 1)
- Health Care and Social Assistance: Offices of Dentists (5-9: 1)
- Professional, Scientific, and Technical Services: Engineering Services (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.)
Fatal accident statistics in 2006
- Fatal accident count: 1
- Vehicles involved in fatal accidents: 1
- Fatal accidents caused by drunken drivers: 0
- Fatalities: 1
- Persons involved in fatal accidents: 2
- Pedestrians involved in fatal accidents: 1
Fatal accident statistics in 2005
- Fatal accident count: 2
- Vehicles involved in fatal accidents: 3
- Fatal accidents caused by drunken drivers: 2
- Fatalities: 2
- Persons involved in fatal accidents: 3
- Pedestrians involved in fatal accidents: 0
Home Mortgage Disclosure Act 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
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 4 | $59,888 | 31 | $108,186 | 129 | $116,292 | 16 | $24,873 | 25 | $151,497 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 4 | $96,245 | 15 | $89,503 | 1 | $2,600 | 3 | $167,060 |
| APPLICATIONS DENIED | 0 | $0 | 8 | $63,621 | 61 | $97,018 | 14 | $19,522 | 3 | $90,240 |
| APPLICATIONS WITHDRAWN | 1 | $55,830 | 3 | $54,750 | 42 | $113,795 | 1 | $50,640 | 5 | $95,952 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $72,710 | 1 | $97,380 | 1 | $64,920 | 1 | $97,380 |
Aggregated Statistics For Year 2002 (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) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 4 | $66,380 | 38 | $124,185 | 82 | $106,461 | 12 | $18,664 | 19 | $159,772 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $49,340 | 4 | $101,763 | 11 | $128,305 | 3 | $27,050 | 5 | $142,174 |
| APPLICATIONS DENIED | 2 | $75,955 | 10 | $57,844 | 51 | $75,129 | 10 | $23,955 | 3 | $103,223 |
| APPLICATIONS WITHDRAWN | 1 | $36,360 | 4 | $74,820 | 43 | $99,448 | 5 | $72,710 | 2 | $77,255 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $681,660 | 3 | $179,613 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2001 (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) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 5 | $66,738 | 44 | $108,062 | 64 | $98,912 | 16 | $13,998 | 17 | $140,304 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 5 | $57,000 | 9 | $78,192 | 4 | $48,365 | 2 | $179,505 |
| APPLICATIONS DENIED | 1 | $104,520 | 17 | $49,339 | 44 | $86,830 | 5 | $11,686 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $53,880 | 2 | $107,445 | 34 | $88,845 | 1 | $87,640 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $43,500 | 0 | $0 | 1 | $322,650 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2000 (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) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 5 | $57,000 | 43 | $109,005 | 22 | $89,560 | 21 | $29,183 | 14 | $112,590 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $36,360 | 5 | $59,986 | 7 | $105,634 | 3 | $17,097 | 0 | $0 |
| APPLICATIONS DENIED | 3 | $59,943 | 19 | $47,938 | 34 | $86,229 | 14 | $37,932 | 3 | $69,680 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $83,100 | 18 | $60,844 | 2 | $56,155 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 3 | $67,733 | 0 | $0 | 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
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 3 | $60,597 | 22 | $99,880 | 26 | $81,489 | 10 | $12,528 | 8 | $103,604 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $34,980 | 5 | $69,786 | 6 | $115,065 | 2 | $8,970 | 1 | $19,430 |
| APPLICATIONS DENIED | 0 | $0 | 6 | $71,760 | 16 | $52,512 | 3 | $12,657 | 2 | $150,995 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $153,690 | 10 | $79,743 | 1 | $127,070 | 1 | $132,760 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 1 | $88,800 | 0 | $0 | 0 | $0 |
Detailed HMDA statistics for the following Tracts:
0369.00
Private Mortgage Insurance Companies Aggregated Statistics For Year 2003 (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 | 8 | $108,823 | 10 | $99,457 | 1 | $155,810 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $91,860 | 1 | $53,880 | 1 | $42,850 |
| 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 2002 (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 | 11 | $123,997 | 10 | $105,430 | 0 | $0 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 3 | $94,567 | 3 | $77,470 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 1 | $106,470 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $102,570 | 0 | $0 | 1 | $102,570 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2001 (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 | 9 | $88,002 | 5 | $133,476 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $38,300 | 1 | $113,610 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2000 (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 | 11 | $134,562 | 0 | $0 | 1 | $95,430 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $89,590 | 2 | $96,080 | 0 | $0 |
| APPLICATIONS DENIED | 1 | $24,670 | 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 1999 (Based on 1 partial tract)
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| A) Conventional Home Purchase Loans | B) Refinancings
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| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 4 | $118,255 | 1 | $50,830 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $78,040 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $113,320 | 0 | $0 |
Detailed PMIC statistics for the following Tracts:
0369.00
Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
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