Dunkirk, NY—14048
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Dunkirk, NY
As of Oct '25, the median home price in Dunkirk, NY is $132,000, with a year-over-year change of 2.3%. This indicates that home prices in Dunkirk, NY are increasing. According to Zillow, the 1-year price projection is 3.3%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $132,000 | 2.3% |
| Single Family | $132,000 | 3.1% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $116,000 | 2.7% |
3 Bed | $139,000 | 3.7% |
4 Bed | $128,000 | 1.6% |
| 5 Bed | $155,000 | 0.6% |
% of Housing Stock
Rental Trends — Dunkirk, NY
As of July '25, Rentcast reports the average rent in Dunkirk, NY is $1,180, with a year-over-year rent change of -17.5%. Per bedroom, the median rent as of July '25 in Dunkirk, NY is 1-bedrooms: $900, 2-bedrooms: $980, 3-bedrooms: $950, 4-bedrooms: $1,880. The most common rental property sizes in Dunkirk, NY are 2-bedroom and 3-bedroom, accounting for 38.0% and 37.8% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $950 | $1,180 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $900 | $900 |
| 2 Bed Rent | $980 | $980 |
| 3 Bed Rent | $950 | $950 |
| 4 Bed Rent | $1,880 | $1,880 |
% of Rental Stock
Property Listings — Dunkirk, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Dunkirk, NY is 60. This is a decrease of -28.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 19.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $134,000 | 0.0% |
Listing Count | 52 | 18.0% |
| Listings as % of Homes | 0.5% | 18.0% |
Days on Market | 60 | -28.0% |
Demographics — Dunkirk, NY
As of the latest ACS Survey released in 2023, Dunkirk, NY has a population of 14,900, which has increased by 5.4% over the past 5 years. Dunkirk, NY is a moderately popular place for families, as children make up 17.3% of the population. The area has a poorly educated workforce, with 18.0% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 14,900 | 5.4% |
% Under 18 | 17.3% | -16.0% |
% Seniors | 20.4% | 3.6% |
% WFH | 5.5% | 139.1% |
% w/ College Degree | 18.0% | 2.3% |
As of the latest ACS Survey released in 2023, Dunkirk, NY is a predominantly white area, with 62.9% of the population identifying as white. The white population has shrunk by 4.6% in the last 5 years. The second most common race or ethnicity in Dunkirk, NY is hispanic, making up 29.7% of the population. Foreign-born residents account for 3.5% of the population in Dunkirk, NY, and this percentage has decreased by 30.0% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 62.9% | -4.6% |
% Black | 6.8% | 70.0% |
% Hispanic | 29.7% | 3.8% |
% Asian | 0.1% | -83.3% |
% Foreign Born | 3.5% | -30.0% |
Mortgage and Risk — Dunkirk, NY
According to HUD data as of 2023, there were 184 mortgage originations in Dunkirk, NY, of which 83.0% of loans were conventional mortgages. The average loan-to-value was 72.0%, with 29.0% above 90% LTV (very high). This implies large mortgage risk in Dunkirk, NY. Investor activity is low, as 9.0% of loans were by investors. 4.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 184 |
% Conventional Loans | 83.0% |
% Government Loans | 17.0% |
% Investor Loans | 9.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 4.0% |
Loan Activity
Rentals and Section 8 — Dunkirk, NY
Dunkirk, NY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 535 |
Total Units Section 8 | 302 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | 92.2% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$130 | $900 | $770 |
| 2 Bedroom | $10 | $980 | $990 |
| 3 Bedroom | $340 | $950 | $1,290 |
| 4 Bedroom | -$570 | $1,880 | $1,310 |
Affordability — Dunkirk, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.1 |
| Median Home Price | $132,000 |
| Median Household Income | $53,000 |