14865 ZIP Code — Montour Falls, NY

Schuyler County, New York

ZIP code 14865 is located in Montour Falls, New York, within Schuyler County. It covers approximately 22.15 square miles and serves a population of 2,647 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 607.

About ZIP code 14865

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $129,000. Owner-occupancy sits near the national average at 74%.

Median household income is $47,500. Poverty affects 19% of residents, above the national average. SNAP benefit usage at 24% of households reflects economic stress in the area. 46% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 19 minutes is near the national average.

College attainment at 19% is below the national average, consistent with a trades and production-oriented local economy.

Overall, ZIP code 14865 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a significant Social Security-dependent population, and elevated reliance on food assistance.

2,647

population

22.15

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

14865 ZIP code map

Cities in ZIP code 14865

Below are the cities the US Postal Service accepts for ZIP code 14865. Using any city not on this list may result in mail delivery delays.

City	Status
Montour Falls	Preferred

Nearby ZIP codes

14869 Odessa (4.4 mi) 14864 Millport (4.7 mi) 14805 Alpine (5.4 mi) 14891 Watkins Glen (6.1 mi) 14818 Burdett (6.6 mi) 14812 Beaver Dams (7.5 mi) 14872 Pine Valley (8.5 mi) 14878 Rock Stream (9.3 mi) 14845 Horseheads (9.6 mi) 14824 Cayuta (9.6 mi) 14816 Breesport (11.9 mi) 14867 Newfield (11.9 mi)

Demographics updated 05/2026

Population
Total population	2,647
Population density	120 / sq mi
State FIPS	36
County FIPS	097

Geography
Land area	22.15 sq mi
Water area	0.03 sq mi
Latitude	42.3479
Longitude	-76.8441
Timezone	Eastern (ET)
Area code	607

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	55.4%	47.2%	37.0%
$50k – $100k	29.4%	31.3%	27.0%
$100k – $200k	14.1%	18.4%	24.4%
Over $200k	1.1%	3.2%	11.5%

Demographics & statistics

2,647

Population

120

People per sq mi

46.3

Median age

$47,500

Median household income

$27,333

Per capita income

$129,000

Median home value

$631

Median monthly rent

73.8%

Home ownership

18.6%

Poverty rate

9.4%

Unemployment

905

Housing units

18.7%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

101

20–24

25–34

113

173

35–44

196

149

45–54

169

101

55–59

114

107

60–64

122

135

65–74

153

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	541	20.4%
18 and over	2,106	79.6%
65 and over	595	22.5%
Median age	46.3 years

Race & ethnicity

White 94.6%

Two or more races 3%

Black or African American 1%

Hispanic or Latino 0.8%

American Indian / Alaska Native 0.3%

Other race 0.2%

Group	Count	%
White	2,525	94.6%
Two or more races	80	3%
Black or African American	26	1%
Hispanic or Latino	22	0.8%
American Indian / Alaska Native	9	0.3%
Other race	6	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	55.4%	47.2%	37.0%
$50k – $100k	29.4%	31.3%	27.0%
$100k – $200k	14.1%	18.4%	24.4%
Over $200k	1.1%	3.2%	11.5%

Under $10k 3.4%

$10k–$15k 8.3%

$15k–$25k 16.9%

$25k–$35k 13.8%

$35k–$50k 8.7%

$50k–$75k 12.1%

$75k–$100k 16.5%

$100k–$150k 15.4%

$150k–$200k 2.8%

$200k+ 2.2%

Range	% of households
Under $10k	3.4%
$10k–$15k	8.3%
$15k–$25k	16.9%
$25k–$35k	13.8%
$35k–$50k	8.7%
$50k–$75k	12.1%
$75k–$100k	16.5%
$100k–$150k	15.4%
$150k–$200k	2.8%
$200k+	2.2%
Median income	$47,500

Housing

Home values

Under $50k 20.6%

$50k–$100k 18.1%

$100k–$150k 22.5%

$150k–$200k 22.3%

$200k–$300k 10.5%

$300k–$500k 4.6%

$500k–$1M 1.4%

Housing overview

Metric	Value
Median home value	$129,000
Median rent / month	$631
Owner occupied	73.8%
Renter occupied	26.2%
Vacant	9.9%
Single-family detached	50.7%
Large apartment buildings	6.5%
Mobile homes	27.2%
Median rooms	5.5
Avg household size (owned)	2.51

Year built

Era	%
2020 or later	0.0%
2010–2019	3.2%
2000–2009	4.8%
1990–1999	18.1%
1980–1989	8.7%
1970–1979	17.0%
1960–1969	8.0%
1950–1959	4.1%
1940–1949	2.9%
1939 or earlier	33.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.6%
1 bedroom	15.3%
2 bedrooms	24.4%
3 bedrooms	46.3%
4 bedrooms	9.6%
5+ bedrooms	3.8%

Vehicles per household

Vehicles	% of households
No vehicle	11.5%
1 vehicle	40.8%
2 vehicles	34.6%
3 or more	13.1%

Heating fuel

Fuel type	%
Utility gas	39.5%
Electricity	23.4%
Propane / LP gas	15.8%
Fuel oil	16.4%
Wood	1.5%
No fuel used	0.8%

Households & families

Household type	Count	%
Married-couple family	503	47.1%
Cohabiting couple	122	11.4%
Male householder, no spouse	118	11.0%
Female householder, no spouse	325	30.4%
Households with children under 18	304	28.5%
Households with seniors (65+)	407	38.1%
Average household size	2.30

Marital status

Status	Male	Female
Never married	33.2%	26.1%
Married	56.0%	42.1%
Separated	0.8%	2.4%
Widowed	3.0%	15.6%
Divorced	7.0%	13.8%

Education

Less than 9th grade 1.0%

Some HS, no diploma 7.6%

HS graduate 38.5%

Some college, no degree 22.4%

Associate's degree 11.8%

Bachelor's degree 11.4%

Graduate / professional 7.3%

Metric	%
HS diploma or higher	91.4%
Bachelor's or higher	18.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	21	4.1%
Kindergarten	7	1.4%
Elementary school	272	53.6%
High school	141	27.8%
College / grad school	66	13.0%

Employment

Industry of employment

Education & healthcare 34.4%

Retail trade 12.6%

Public administration 12.1%

Manufacturing 9.0%

Professional & management 9.0%

Arts, food & hospitality 8.4%

Construction 4.4%

Finance & real estate 3.4%

Transportation & utilities 2.7%

Other services 2.0%

Information 1.1%

Wholesale trade 1.0%

Occupation

Category	%
Management, business & arts	33.8%
Service	14.4%
Sales & office	26.2%
Natural resources & construction	11.6%
Production & transportation	14.0%

Employment type

Type	%
Private sector	68.3%
Government	27.2%
Self-employed	3.9%
Unpaid family workers	0.6%

Commute

Method	%
Drive alone	83.6%
Carpool	2.2%
Public transit	0.0%
Walk	5.8%
Work from home	8.3%
Other means	0.0%
Avg commute (minutes)	18.5

Poverty

All people 18.6%

Under 18 years 30.6%

18 and over 15.5%

Married-couple families 5.0%

Female-led households 70.6%

Income support

Source	% of households
Social Security	45.6%
Retirement income	30.9%
Supplemental Security	10.8%
Cash public assistance	4.7%
Food stamps / SNAP	23.7%

Health indicators

Condition	%
Obesity	32.2%
High blood pressure	38.2%
High cholesterol	35.5%
Diabetes	11.7%
Heart disease	8.7%
Stroke	4.1%
Asthma	10.5%
Arthritis	30.3%
Kidney disease	3.8%
Pulmonary disease	9.6%
Cancer	8.9%

Behavior / access	%
Smoking	18.6%
Binge drinking	14.9%
No physical activity	27.8%
Less than 7 hrs sleep	34.1%
Depression	21.0%
Fair or poor health	15.7%
Poor mental health	14.0%
Poor physical health	12.0%
No health insurance	10.6%
Visited doctor (checkup)	79.8%
Visited dentist	62.2%
Cholesterol screening	91.8%
Teeth loss	16.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	163	7.7%

Disability	%
Any disability	21.3%
Under 18	6.7%
18–64 years	14.8%
65 and over	51.1%

Health insurance coverage

Type	%
Private insurance	60.1%
Public insurance	52.1%
No insurance	2.7%
Uninsured under 19	1.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,502	94.5%
Spanish	2	0.1%
Other Indo-European	1	0.0%
Asian & Pacific Islander	1	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,617	98.9%
Born in same state	2,610	98.6%
Born in different state	2,252	85.1%
Foreign born	7	0.3%
Naturalized citizen	30	1.1%
Not a US citizen	18	60.0%

Ancestry

Ancestry	Count	%
French	529	20%
Italian	360	13.6%
English	122	4.6%
Arab	106	4%
German	50	1.9%

Ancestry	Count	%
Polish	31	1.2%
Irish	14	0.5%
Dutch	10	0.4%
Norwegian	4	0.2%

Technology access

Metric	% of households
Computer access	40.3%
Internet access	91.3%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 14865

What city is ZIP code 14865 in?

ZIP code 14865 is primarily assigned to Montour Falls, New York.

What county is ZIP code 14865 in?

ZIP code 14865 falls within Schuyler County, New York.

Does ZIP code 14865 have a large retiree population?

46% of households in ZIP code 14865 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 14865?

19% of residents in ZIP code 14865 live below the poverty line, above the national average.

What is the typical home value in ZIP code 14865?

The median home value in ZIP code 14865 is $129,000.

What is the median household income in ZIP code 14865?

The median household income in ZIP code 14865 is $47,500, below the national median of ~$75,000.

What timezone is ZIP code 14865 in?

ZIP code 14865 observes the EST timezone.