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Swain 14884

ZIP codeThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.New YorkBalanced market
Market temperatureA 0 to 100 score comparing this area with every similar area nationwide each month. 0 is the strongest buyer's market, 100 the strongest seller's market.Balanced market · 46
Buyer's marketBalancedSeller's market
$16K
Median sale priceThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.
7
Sales (12 mo)How many homes sold here in the last 12 months. More sales make the other numbers more reliable.
$104K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Oct 2025 · Quarterly intervals (lower sales volume)Counties take time to publish deeds, so the newest months can be incomplete and may shift as more records arrive.

Market Trends

Market temperature (0–100)How the 0 to 100 market score moved over time. It blends price growth, sales pace, how often homes change hands, and seller profits.Temperature
20162018201920202022202320242025
Sale pricesThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.MedianSales
20162018201920202022202320242025
Growth (year over year)How much prices and sales counts changed since the same time last year, using a 3-month average to smooth out noise. Above the dashed line means growth.PriceSales
20162018201920202022202320242025
Price per square footThe middle price per square foot, for sales where the size is known. It adjusts for homes being different sizes.$/ft²
20162018201920202022202320242025
Annual turnover (share of homes sold)The share of all homes here that sold in the trailing 12 months. Higher turnover means a more liquid market where homes trade hands more often.Turnover
20162018201920202022202320242025
Buyer mixWho is buying. Cash means no mortgage was recorded, investor means the buyer looked like an investor, and flip means the home resold within a year.CashInvestorFlip resale
20162018201920202022202320242025
Financing (share of purchase price)For buyers who borrowed: the middle share of the price they financed, and the middle share they paid up front.Loan (LTV)Down payment
20162018201920202022202320242025
Sellers who sold at a gainThe share of sellers each month who sold for more than they originally paid.Sold at gain
20162018201920202022202320242025
Typical hold before sellingThe middle number of years sellers owned their home before selling.Median hold
20162018201920202022202320242025
Median annualized return at resaleThe middle yearly gain sellers earned, spread across the years they owned the home. Only counts homes held at least a year.Annualized gain
20162018201920202022202320242025

Housing Stock

HomesHow many homes we have records for in this area.330
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$104K
Median sizeThe middle home size here, measured in square feet.1,134 ft²
Median bedroomsThe middle bedroom count for homes here.2
Median year builtThe middle build year for homes here. A recent year means most housing is newer.1981
Single familyThe share of homes here that are single-family houses.0%
CondosThe share of homes here that are condos.2.7%

Equity & Ownership

Equity rich (LTV ≤ 50%)The share of owners who owe half or less of what their home is worth, meaning they hold a lot of equity.66%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.1.2%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.43%
Company ownedThe share of homes owned by a company or trust instead of a person.11%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.0%
Typical ownership tenureHow long the typical owner here has held their home.10.1 yrs

CommunityThese are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.158
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.92
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.53

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.54%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.199
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.10 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$55K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$67K
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.37 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.48%

Market metrics are derived from recorded arms-length deeds and refreshed nightly. Temperature blends price momentum, sales velocity, turnover and resale outcomes, ranked against all ZIP codes nationally.

How Swain 14884 compares

By median home value, Swain 14884 is the 14th most expensive of 24 ZIP codes in Allegany County, and its typical home is worth more than 47% of all homes in Allegany County.

Home values in Swain 14884

Share of homes at each estimated value.

Median
$52K$237K
ZIP codes in Allegany County ranked by median home value
#Allegany CountyMedian valueHomes
1Houghton 14744$177K296
2Caneadea 14717$163K961
3Alfred Station 14803$158K493
4Alfred 14802$154K304
5Black Creek 14714$150K362
6Cuba 14727$141K2,961
7Rushford 14777$139K747
8Almond 14804$137K907
9Fillmore 14735$125K1,274
10Belfast 14711$120K993
11Little Genesee 14754$116K357
12Angelica 14709$113K964
1314029$109K164
14Swain 14884$104K330
15Ceres 14721$102K104
16Andover 14806$98K1,089
17Belmont 14813$92K1,104
18Alma 14708$92K126
19Canaseraga 14822$91K770
20Wellsville 14895$90K3,854
21Whitesville 14897$89K403
22Scio 14880$88K950
23Friendship 14739$88K1,492
24Bolivar 14715$79K1,355

About the Swain 14884 market

What is the median home price in Swain 14884, NY?

The median sale price in Swain 14884, NY is $15,800 (data through October 2025), based on deeds recorded with the county.

How many homes sell in Swain 14884, NY each year?

7 homes sold in Swain 14884, NY over the last 12 months (data through October 2025). TopHap counts recorded arm's-length deeds, not listings, so the figure is not affected by which brokerage handled the sale.

Is Swain 14884, NY a buyer's or seller's market?

Swain 14884, NY is currently a balanced market, scoring 46 out of 100 on TopHap's market temperature index (data through October 2025). The score weighs sales velocity and price direction; above 60 favours sellers, below 40 favours buyers.

How many homes are there in Swain 14884, NY?

Swain 14884, NY contains 330 residential properties, with a median of 1,134 square feet, 2 bedrooms, built around 1981. The median TopHap Estimate is $104K.

How does Swain 14884, NY compare to the rest of Allegany County?

By median home value, Swain 14884, NY is the 14th most expensive of 24 ZIP codes in Allegany County. Its typical home is worth more than 47% of all homes in Allegany County. 14029 ranks just above it and Ceres 14721 just below. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Swain 14884, NY?

43% of homes in Swain 14884, NY are owner-occupied. 11% are held by a company rather than an individual.

How much equity do owners in Swain 14884, NY hold?

66% of mortgaged homes in Swain 14884, NY are equity-rich, meaning the loan balance is under half the home's value. 1.2% owe more than the home is worth.

Nearby markets

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