Estimated median household income in 2008: $45,237
| This zip code: | $45,237 | | New York: | $56,033 |
Nearest zip codes: 14724, 14757, 14775, 14767, 14736, 14787.
Housing units in zip code 14781 with a mortgage: 217 (5 second mortgage, 11 home equity loan, 0 both second mortgage and home equity loan)
Houses without a mortgage: 103
Median monthly owner costs for units with a mortgage: $1,067
Median monthly owner costs for units without a mortgage: $487
Residents with income below the poverty level in 2008:
| This zip code: | 10.8% | | Whole state: | 13.6% |
Residents with income below 50% of the poverty level in 2008:
| This zip code: | 3.3% | | Whole state: | 6.0% |
Median number of rooms in houses and condos:
| Here: | 6.9 | | State: | 6.3 |
Median number of rooms in apartments:
| Here: | 5.0 | | State: | 3.6 |
Year house built: |
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- 1999 to March 2000: 6
- 1995 to 1998: 26
- 1990 to 1994: 33
- 1980 to 1989: 154
- 1970 to 1979: 88
- 1960 to 1969: 54
- 1950 to 1959: 59
- 1940 to 1949: 44
- 1939 or earlier: 467
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Bedrooms in owner-occupied houses in Sherman, NY (14781): |
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- no bedroom: 2
- 1 bedrooms: 21
- 2 bedrooms: 120
- 3 bedrooms: 266
- 4 bedrooms: 127
- 5 or more bedrooms: 38
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Bedrooms in renter-occupied apartments and housing units: |
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- no bedroom: 3
- 1 bedrooms: 47
- 2 bedrooms: 54
- 3 bedrooms: 62
- 4 bedrooms: 27
- 5 or more bedrooms: 7
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Vehicles available in 14781 zip code in owner-occupied houses/condos: |
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- no vehicle: 29
- 1 vehicle: 169
- 2 vehicles: 268
- 3 vehicles: 80
- 4 vehicles: 19
- 5 or more vehicles: 9
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Vehicles available in renter-occupied apartments: |
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- no vehicle: 33
- 1 vehicle: 103
- 2 vehicles: 54
- 3 vehicles: 8
- 4 vehicles: 2
- 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 14781:
- Less than $10,000: 3
- $10,000 to $14,999: 1
- $15,000 to $19,999: 1
- $20,000 to $24,999: 5
- $25,000 to $29,999: 7
- $30,000 to $34,999: 8
- $35,000 to $39,999: 8
- $40,000 to $49,999: 16
- $50,000 to $59,999: 22
- $60,000 to $69,999: 36
- $70,000 to $79,999: 36
- $80,000 to $89,999: 31
- $90,000 to $99,999: 40
- $100,000 to $124,999: 94
- $125,000 to $149,999: 62
- $150,000 to $174,999: 57
- $175,000 to $199,999: 21
- $200,000 to $249,999: 29
- $250,000 to $299,999: 25
- $300,000 to $399,999: 23
- $400,000 to $499,999: 2
- $500,000 to $749,999: 3
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Rent paid by renters in 2008 in zip code 14781:
- Less than $100: 3
- $100 to $149: 4
- $150 to $199: 11
- $200 to $249: 9
- $250 to $299: 9
- $300 to $349: 11
- $350 to $399: 23
- $400 to $449: 18
- $450 to $499: 15
- $500 to $549: 13
- $550 to $599: 11
- $600 to $649: 8
- $650 to $699: 4
- No cash rent: 20
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Median price asked for vacant for-sale houses and condos in 2008: $85,126.
Estimated median house (or condo) value in 2008 for: - White Non-Hispanic householders: $111,269
- Hispanic or Latino householders: $183,648
Estimated median house or condo value in 2008: $87,393 (it was $52,400 in 2000)
| 14781: | $87,393 | | New York: | $318,900 |
Lower value quartile - upper value quartile: $41,999 - $107,376
Mean price in 2008:
Detached houses: $115,355| Here: | $115,355 | | State: | $361,784 |
Townhouses or other attached units: $186,967| Here: | $186,967 | | State: | $496,977 |
In 2-unit structures: $97,004| Here: | $97,004 | | State: | $485,140 |
In 3-to-4-unit structures: $49,518| Here: | $49,518 | | State: | $608,745 |
Mobile homes: $30,955| Here: | $30,955 | | 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: 664
- One, attached: 14
- Two: 71
- 3 or 4: 24
- 5 to 9: 25
- 20 to 49: 8
- Mobile homes: 117
- Boats, RVs, vans, etc.: 8

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Means of transportation to work
- Drove a car alone: 710 (71%)
- Carpooled: 117 (12%)
- Bus or trolley bus: 13 (1%)
- Taxi: 5 (1%)
- Walked: 75 (8%)
- Other means: 9 (1%)
- Worked at home: 67 (7%)
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Travel time to work
- Less than 5 minutes: 105
- 5 to 9 minutes: 110
- 10 to 14 minutes: 91
- 15 to 19 minutes: 115
- 20 to 24 minutes: 138
- 25 to 29 minutes: 109
- 30 to 34 minutes: 134
- 35 to 39 minutes: 30
- 40 to 44 minutes: 12
- 45 to 59 minutes: 39
- 60 to 89 minutes: 24
- 90 or more minutes: 22
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Percentage of zip code residents living and working in this county: 83.4%
Household type by relationship
Households: 2,158
- In family households: 1,927 (466 male householders, 91 female householders)
461 spouses, 750 children (696 natural, 14 adopted, 40 stepchildren), 46 grandchildren, 10 brothers or sisters, 8 parents, 25 other relatives, 70 non-relatives
- In nonfamily households: 231 (93 male householders (69 living alone)), 105 female householders (90 living alone)), 33 nonrelatives
- In group quarters: 1 (0 institutionalized population)
Size of family households: 222 2-persons, 89 3-persons, 145 4-persons, 55 5-persons, 25 6-persons, 21 7-or-more-persons.
Size of nonfamily households: 159 1-person, 37 2-persons, 2 3-persons.
496 married couples with children.
90 single-parent households (32 men, 58 women).
92.4% of residents of 14781 zip code speak English at home.
0.3% of residents speak Spanish at home (100% very well).
7.0% of residents speak other Indo-European language at home (46% very well, 52% well, 2% not well).
0.3% of residents speak Asian or Pacific Island language at home (33% well, 67% not well).
0.1% of residents speak other language at home (100% very well).
Foreign born population: 13 (0.6%)
(30.8% of them are naturalized citizens)
| This zip code: | 0.6% | | Whole state: | 20.4% |
Most common places of birth for the foreign-born residents:
- Germany (38%)
- China, excluding Hong Kong and Taiwan (31%)
- United Kingdom (15%)
- Canada (15%)
Year of entry for the foreign-born population |
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- 1995 to March 2000: 2
- 1990 to 1994: 2
- 1985 to 1989: 7
- 1980 to 1984: 0
- 1975 to 1979: 2
- 1970 to 1974: 0
- 1970 to 1974: 0
- 1965 to 1969: 0
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White population: 2,113
Black population: 4
American Indian population: 3
Asian population: 10
Native Hawaiian and Other Pacific Islander population: 0
Some other race population: 0
Two or more races population: 19
First ancestries reported:
|  German: 360 |
|  English: 201 |
|  Dutch: 186 |
|  Irish: 163 |
|  Swedish: 144 |
|  United States or American: 113 |
|  Italian: 98 |
|  Polish: 86 |
|  Other groups: 65 |
|  French (except Basque): 40 |
|  Scotch-Irish: 32 |
|  Scottish: 23 |
|  Finnish: 14 |
|  Pennsylvania German: 14 |
|  Canadian: 10 |
|  British: 9 |
|  Norwegian: 9 |
|  Slovak: 7 |
|  Swiss: 7 |
|  French Canadian: 6 |
|  Hungarian: 4 |
|  Latvian: 4 |
|  Czech: 3 |
|  Danish: 3 |
|  Basque: 2 |
|  Celtic: 1 |
|  Lithuanian: 1 |

Median worth of mobile homes: $38,320
Housing units lacking complete plumbing facilities: 3%
Housing units lacking complete kitchen facilities: 5%
Most commonly used house heating fuel: |
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- Utility gas (41%)
- Wood (18%)
- Bottled, tank, or LP gas (16%)
- Fuel oil, kerosene, etc. (15%)
- Electricity (6%)
- Other fuel (4%)
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Place of birth for U.S.-born residents:
- This state: 1229
- Northeast: 695
- Midwest: 112
- South: 82
- West: 26
64% of the 14781 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 77% lived in this county.
Out of people who lived in different counties, 12% lived in New York.
Population in 1990: 2,184. Population change in the 1990s: -35 (-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): 51
| Here: | 15.7% | | New York: | 14.0% |
Students in private schools in grades 9 to 12 (high school): 2
| Here: | 1.3% | | New York: | 13.2% |
Students in private undergraduate colleges: 7
| Here: | 14.6% | | 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: Offices of Physicians (except Mental Health Specialists) (10-19 employees: 2 establishments)
- Accommodation and Food Services: Full-Service Restaurants (5-9: 2, 1-4: 1)
- Other Services (except Public Administration): General Automotive Repair (5-9: 1, 1-4: 1)
- Construction: Plumbing, Heating, and Air-Conditioning Contractors (1-4: 4)
- Other Services (except Public Administration): Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance (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 2003 (Based on 8 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
| E) Loans on Dwellings For 5+ Families
| 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 | Number | Average Value |
| LOANS ORIGINATED | 12 | $66,612 | 82 | $118,185 | 163 | $83,015 | 63 | $10,247 | 1 | $153,720 | 57 | $150,258 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $63,430 | 5 | $88,240 | 27 | $88,277 | 4 | $19,343 | 0 | $0 | 5 | $175,734 |
| APPLICATIONS DENIED | 2 | $68,760 | 18 | $55,369 | 118 | $76,314 | 25 | $23,180 | 0 | $0 | 8 | $153,561 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 7 | $70,123 | 73 | $72,650 | 3 | $23,523 | 0 | $0 | 5 | $100,302 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $87,590 | 4 | $79,600 | 2 | $45,440 | 0 | $0 | 1 | $119,390 |
Aggregated Statistics For Year 2002 (Based on 8 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 | 8 | $67,876 | 72 | $91,778 | 127 | $87,979 | 52 | $11,577 | 46 | $144,470 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $46,190 | 10 | $68,551 | 28 | $74,829 | 2 | $22,050 | 6 | $138,373 |
| APPLICATIONS DENIED | 1 | $42,840 | 14 | $63,724 | 101 | $63,616 | 14 | $18,554 | 6 | $101,733 |
| APPLICATIONS WITHDRAWN | 1 | $54,060 | 5 | $74,390 | 66 | $73,559 | 4 | $24,660 | 3 | $169,200 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $29,380 | 7 | $86,073 | 0 | $0 | 1 | $158,500 |
Aggregated Statistics For Year 2001 (Based on 8 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 | 7 | $52,520 | 66 | $87,683 | 107 | $78,889 | 57 | $12,335 | 35 | $136,098 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $23,180 | 15 | $71,648 | 19 | $69,559 | 5 | $32,446 | 6 | $124,690 |
| APPLICATIONS DENIED | 2 | $62,800 | 30 | $51,387 | 93 | $54,253 | 15 | $21,371 | 6 | $92,313 |
| APPLICATIONS WITHDRAWN | 1 | $71,540 | 11 | $96,617 | 57 | $63,671 | 6 | $19,845 | 4 | $167,480 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $34,470 | 4 | $74,343 | 1 | $35,960 | 1 | $58,350 |
Aggregated Statistics For Year 2000 (Based on 8 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 | $62,369 | 85 | $87,131 | 47 | $48,149 | 40 | $12,262 | 28 | $131,456 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $41,500 | 13 | $57,081 | 17 | $55,678 | 8 | $23,876 | 4 | $82,950 |
| APPLICATIONS DENIED | 3 | $67,013 | 39 | $55,433 | 54 | $49,293 | 22 | $23,068 | 5 | $73,748 |
| APPLICATIONS WITHDRAWN | 1 | $33,390 | 4 | $69,065 | 29 | $43,838 | 3 | $29,517 | 1 | $112,780 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 2 | $93,830 | 3 | $49,147 | 0 | $0 | 1 | $122,570 |
Aggregated Statistics For Year 1999 (Based on 4 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 | $52,160 | 33 | $84,024 | 39 | $66,168 | 20 | $14,876 | 14 | $126,113 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 6 | $62,620 | 7 | $51,596 | 4 | $19,873 | 1 | $126,420 |
| APPLICATIONS DENIED | 1 | $37,800 | 15 | $45,746 | 26 | $46,550 | 9 | $19,509 | 2 | $61,515 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 4 | $54,948 | 16 | $52,364 | 2 | $39,620 | 1 | $51,860 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 4 | $48,698 | 0 | $0 | 0 | $0 |
Detailed HMDA statistics for the following Tracts:
0364.00
, 0365.00, 0366.00, 0367.00
Private Mortgage Insurance Companies Aggregated Statistics For Year 2003 (Based on 8 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 | 19 | $106,975 | 12 | $83,477 | 4 | $193,690 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 6 | $62,113 | 3 | $76,767 | 1 | $112,500 |
| APPLICATIONS DENIED | 2 | $32,760 | 1 | $137,770 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $71,340 | 1 | $145,240 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2002 (Based on 8 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 | 20 | $87,673 | 8 | $81,508 | 6 | $116,400 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 3 | $36,050 | 2 | $111,205 | 1 | $28,450 |
| APPLICATIONS DENIED | 1 | $45,860 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $29,030 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $29,210 | 0 | $0 |
Aggregated Statistics For Year 2001 (Based on 8 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 | 17 | $75,945 | 5 | $99,850 | 3 | $169,570 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 3 | $162,093 | 3 | $105,037 | 2 | $209,945 |
| APPLICATIONS DENIED | 1 | $25,400 | 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 2000 (Based on 8 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 | 16 | $78,525 | 1 | $52,760 | 3 | $111,153 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $85,385 | 0 | $0 | 1 | $104,330 |
| APPLICATIONS DENIED | 1 | $72,070 | 1 | $47,900 | 1 | $50,400 |
| APPLICATIONS WITHDRAWN | 1 | $35,780 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 1999 (Based on 4 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 | $69,753 | 2 | $56,520 | 2 | $88,820 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $85,660 | 1 | $59,240 | 0 | $0 |
| APPLICATIONS DENIED | 1 | $52,630 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Detailed PMIC statistics for the following Tracts:
0364.00
, 0365.00, 0366.00, 0367.00
Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
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