Estimated median household income in 2007: $48,375
| This zip code: | $48,375 | | New York: | $53,514 |
Nearest zip codes: 16345, 14747, 14733, 14772, 14701, 16365.
Housing units in zip code 14738 with a mortgage: 455 (27 second mortgage, 78 home equity loan, 0 both second mortgage and home equity loan)
Houses without a mortgage: 321
Median monthly owner costs for units with a mortgage: $1,128
Median monthly owner costs for units without a mortgage: $420
Residents with income below the poverty level in 2007:
| This zip code: | 3.3% | | Whole state: | 13.7% |
Residents with income below 50% of the poverty level in 2007:
| This zip code: | 0.4% | | Whole state: | 6.1% |
Median number of rooms in houses and condos:
| Here: | 6.0 | | State: | 6.3 |
Median number of rooms in apartments:
| Here: | 4.2 | | State: | 3.6 |
Year house built: |
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- 1999 to March 2000: 19
- 1995 to 1998: 74
- 1990 to 1994: 104
- 1980 to 1989: 209
- 1970 to 1979: 230
- 1960 to 1969: 210
- 1950 to 1959: 222
- 1940 to 1949: 87
- 1939 or earlier: 522
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Bedrooms in owner-occupied houses in Frewsburg, NY (14738): |
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- no bedroom: 7
- 1 bedrooms: 28
- 2 bedrooms: 225
- 3 bedrooms: 649
- 4 bedrooms: 201
- 5 or more bedrooms: 21
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Bedrooms in renter-occupied apartments and housing units: |
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- no bedroom: 8
- 1 bedrooms: 103
- 2 bedrooms: 82
- 3 bedrooms: 54
- 4 bedrooms: 23
- 5 or more bedrooms: 5
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Vehicles available in 14738 zip code in owner-occupied houses/condos: |
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- no vehicle: 55
- 1 vehicle: 314
- 2 vehicles: 570
- 3 vehicles: 173
- 4 vehicles: 8
- 5 or more vehicles: 11
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Vehicles available in renter-occupied apartments: |
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- no vehicle: 27
- 1 vehicle: 179
- 2 vehicles: 45
- 3 vehicles: 16
- 4 vehicles: 0
- 5 or more vehicles: 8
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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 14738:
- Less than $10,000: 1
- $10,000 to $14,999: 1
- $15,000 to $19,999: 1
- $20,000 to $24,999: 1
- $25,000 to $29,999: 1
- $30,000 to $34,999: 5
- $35,000 to $39,999: 7
- $40,000 to $49,999: 10
- $50,000 to $59,999: 26
- $60,000 to $69,999: 37
- $70,000 to $79,999: 34
- $80,000 to $89,999: 51
- $90,000 to $99,999: 66
- $100,000 to $124,999: 164
- $125,000 to $149,999: 217
- $150,000 to $174,999: 197
- $175,000 to $199,999: 137
- $200,000 to $249,999: 77
- $250,000 to $299,999: 70
- $300,000 to $399,999: 28
- $500,000 to $749,999: 7
- $750,000 to $999,999: 6
- $1,000,000 or more: 6
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Rent paid by renters in 2007 in zip code 14738:
- Less than $100: 3
- $100 to $149: 7
- $150 to $199: 11
- $200 to $249: 29
- $250 to $299: 21
- $300 to $349: 22
- $350 to $399: 24
- $400 to $449: 4
- $450 to $499: 6
- $500 to $549: 10
- $600 to $649: 8
- No cash rent: 37
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Median price asked for vacant for-sale houses and condos in 2007: $41,087.
Estimated median house (or condo) value in 2007 for: - White Non-Hispanic householders: $144,121
- American Indian or Alaska Native householders: $179,098
Estimated median house or condo value in 2007: $107,280 (it was $68,600 in 2000)
| 14738: | $107,280 | | New York: | $311,000 |
Lower value quartile - upper value quartile: $64,542 - $139,395
Mean price in 2007:
Detached houses: $138,430| Here: | $138,430 | | State: | $352,556 |
Townhouses or other attached units: $81,950| Here: | $81,950 | | State: | $476,263 |
In 2-unit structures: $156,788| Here: | $156,788 | | State: | $482,362 |
Mobile homes: $41,111| Here: | $41,111 | | 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: 1,246
- One, attached: 13
- Two: 109
- 3 or 4: 39
- 5 to 9: 19
- 10 to 19: 20
- 20 to 49: 36
- Mobile homes: 186
- Boats, RVs, vans, etc.: 9

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Means of transportation to work
- Drove a car alone: 1,402 (84%)
- Carpooled: 153 (9%)
- Motorcycle: 5 (0%)
- Walked: 64 (4%)
- Other means: 4 (0%)
- Worked at home: 48 (3%)
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Travel time to work
- Less than 5 minutes: 116
- 5 to 9 minutes: 198
- 10 to 14 minutes: 269
- 15 to 19 minutes: 442
- 20 to 24 minutes: 278
- 25 to 29 minutes: 59
- 30 to 34 minutes: 142
- 35 to 39 minutes: 23
- 40 to 44 minutes: 18
- 45 to 59 minutes: 16
- 60 to 89 minutes: 33
- 90 or more minutes: 34
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Percentage of zip code residents living and working in this county: 87.0%
Household type by relationship
Households: 3,649
- In family households: 3,225 (901 male householders, 156 female householders)
896 spouses, 1,173 children (1,081 natural, 49 adopted, 43 stepchildren), 58 grandchildren, 6 brothers or sisters, 6 parents, 20 other relatives, 9 non-relatives
- In nonfamily households: 424 (160 male householders (143 living alone)), 196 female householders (164 living alone)), 68 nonrelatives
- In group quarters: 82 (75 institutionalized population)
Size of family households: 475 2-persons, 243 3-persons, 203 4-persons, 92 5-persons, 35 6-persons, 9 7-or-more-persons.
Size of nonfamily households: 307 1-person, 40 2-persons, 9 4-persons.
750 married couples with children.
168 single-parent households (57 men, 111 women).
98.0% of residents of 14738 zip code speak English at home.
0.1% of residents speak Spanish at home (100% very well).
1.7% of residents speak other Indo-European language at home (75% very well, 18% well, 7% not at all).
0.2% of residents speak Asian or Pacific Island language at home (100% very well).
Foreign born population: 16 (0.4%)
(100.0% of them are naturalized citizens)
| This zip code: | 0.4% | | Whole state: | 20.4% |
Most common places of birth for the foreign-born residents:
- United Kingdom (38%)
- Russia (31%)
- Chile (31%)
Year of entry for the foreign-born population |
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- 1995 to March 2000: 5
- 1990 to 1994: 5
- 1985 to 1989: 0
- 1980 to 1984: 0
- 1975 to 1979: 0
- 1970 to 1974: 0
- 1970 to 1974: 0
- 1965 to 1969: 6
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White population: 3,757
Black population: 6
American Indian population: 14
Asian population: 6
Native Hawaiian and Other Pacific Islander population: 0
Some other race population: 6
Two or more races population: 11

First ancestries reported:
|  Swedish: 735 |
|  German: 581 |
|  English: 424 |
|  Irish: 309 |
|  Italian: 242 |
|  United States or American: 179 |
|  Polish: 91 |
|  Norwegian: 72 |
|  Other groups: 47 |
|  Scottish: 33 |
|  French Canadian: 31 |
|  Pennsylvania German: 31 |
|  Dutch: 27 |
|  Scotch-Irish: 27 |
|  Scandinavian: 26 |
|  French (except Basque): 24 |
|  Welsh: 17 |
|  Ukrainian: 13 |
|  Danish: 11 |
|  Slovene: 11 |
|  Croatian: 6 |
|  Slovak: 6 |
|  European: 6 |
|  Yugoslavian: 6 |
|  Hungarian: 5 |
|  Slavic: 5 |
|  Lithuanian: 2 |

Median worth of mobile homes: $39,605
Housing units lacking complete plumbing facilities: 8%
Housing units lacking complete kitchen facilities: 7%
Most commonly used house heating fuel: |
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- Utility gas (53%)
- Bottled, tank, or LP gas (14%)
- Wood (13%)
- Fuel oil, kerosene, etc. (9%)
- Electricity (7%)
- Other fuel (3%)
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Place of birth for U.S.-born residents:
- This state: 3034
- Northeast: 498
- Midwest: 68
- South: 72
- West: 37
74% of the 14738 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 76% lived in this county.
Out of people who lived in different counties, 47% lived in New York.
Population in 1990: 3,919. Population change in the 1990s: -119 (-3.0%).
Year Householders Moved Into Unit:
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 19
| Here: | 4.1% | | New York: | 14.0% |
Students in private schools in grades 9 to 12 (high school): 17
| Here: | 8.5% | | New York: | 13.2% |
Students in private undergraduate colleges: 17
| Here: | 14.3% | | 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:
- Health Care and Social Assistance: Homes for the Elderly (50-99 employees: 1 establishment)
- Wholesale Trade: Metal Service Centers and Other Metal Merchant Wholesalers (50-99: 1)
- Accommodation and Food Services: Full-Service Restaurants (20-49: 1, 5-9: 3, 1-4: 3)
- Other Services (except Public Administration): Civic and Social Organizations (20-49: 1)
- Wholesale Trade: Industrial Machinery and Equipment Merchant Wholesalers (20-49: 1)
- Other Services (except Public Administration): Religious Organizations (10-19: 1, 5-9: 2, 1-4: 2)
- Construction: Plumbing, Heating, and Air-Conditioning Contractors (10-19: 1)
- Administrative and Support and Waste Management and Remediation Services: Solid Waste Collection (10-19: 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.)
76 people in nursing homes
5 people in homes for the mentally retarded
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 | 9 | $78,402 | 46 | $86,995 | 146 | $69,017 | 22 | $13,984 | 5 | $28,078 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 5 | $70,562 | 16 | $60,583 | 1 | $68,360 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 5 | $53,472 | 74 | $79,303 | 18 | $21,839 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $46,390 | 2 | $69,585 | 74 | $77,999 | 4 | $93,085 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $78,130 | 0 | $0 | 4 | $66,533 | 0 | $0 | 0 | $0 |
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 | 12 | $61,345 | 48 | $73,579 | 83 | $67,012 | 16 | $11,369 | 5 | $46,146 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $61,650 | 2 | $87,900 | 12 | $55,139 | 5 | $23,928 | 1 | $73,250 |
| APPLICATIONS DENIED | 1 | $62,260 | 7 | $51,099 | 74 | $60,265 | 13 | $15,871 | 1 | $31,740 |
| APPLICATIONS WITHDRAWN | 1 | $91,560 | 4 | $62,870 | 65 | $87,071 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 9 | $64,431 | 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 | 16 | $59,896 | 46 | $73,328 | 92 | $59,846 | 21 | $11,336 | 6 | $70,603 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $51,270 | 7 | $91,734 | 12 | $76,097 | 6 | $19,940 | 0 | $0 |
| APPLICATIONS DENIED | 5 | $46,634 | 16 | $45,323 | 63 | $55,498 | 13 | $10,799 | 6 | $23,398 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 51 | $67,862 | 5 | $16,848 | 1 | $153,820 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 5 | $76,910 | 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 | 10 | $66,534 | 28 | $78,654 | 28 | $57,901 | 24 | $9,868 | 1 | $32,960 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 11 | $55,602 | 16 | $52,266 | 2 | $59,210 | 0 | $0 |
| APPLICATIONS DENIED | 1 | $41,510 | 27 | $40,241 | 35 | $53,715 | 15 | $28,404 | 1 | $29,300 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $73,250 | 17 | $43,590 | 1 | $30,520 | 1 | $18,310 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $65,920 | 0 | $0 | 4 | $53,715 | 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 | 5 | $49,832 | 19 | $58,996 | 40 | $63,372 | 9 | $20,713 | 1 | $25,590 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 3 | $35,333 | 7 | $36,639 | 3 | $24,977 | 1 | $19,490 |
| APPLICATIONS DENIED | 1 | $51,170 | 7 | $46,299 | 16 | $52,544 | 8 | $28,785 | 1 | $20,100 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $21,930 | 16 | $53,267 | 3 | $53,000 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 4 | $67,620 | 0 | $0 | 0 | $0 |
Detailed HMDA statistics for the following Tracts:
0375.00
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
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| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 24 | $100,411 | 17 | $80,573 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 5 | $89,362 | 1 | $94,000 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 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
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| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 16 | $79,276 | 10 | $74,103 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $142,225 | 1 | $103,770 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $94,000 |
| FILES CLOSED FOR INCOMPLETENESS | 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 | 16 | $67,220 | 10 | $72,638 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $76,910 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 1 | $126,960 |
| 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
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| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 10 | $80,817 | 1 | $140,390 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 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 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 | 6 | $65,997 | 2 | $51,475 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 1 | $36,550 |
| 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:
0375.00
Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
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