Silver Creek, NY—14136
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Silver Creek, NY
As of Oct '25, the median home price in Silver Creek, NY is $186,000, with a year-over-year change of 3.9%. This indicates that home prices in Silver Creek, NY are increasing. According to Zillow, the 1-year price projection is 2.9%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $186,000 | 3.9% |
| Single Family | $186,000 | 3.9% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $162,000 | 3.2% |
3 Bed | $185,000 | 3.9% |
4 Bed | $204,000 | 3.6% |
| 5 Bed | $235,000 | 1.7% |
% of Housing Stock
Rental Trends — Silver Creek, NY
As of July '25, Rentcast reports the average rent in Silver Creek, NY is $1,450, with a year-over-year rent change of 100.0%. Per bedroom, the median rent as of July '25 in Silver Creek, NY is 2-bedrooms: $700, 3-bedrooms: $2,200. The most common rental property sizes in Silver Creek, NY are 2-bedroom and 3-bedroom, accounting for 38.8% and 28.7% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $700 | $1,450 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $700 | $700 |
| 3 Bed Rent | $2,200 | $2,200 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Silver Creek, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Silver Creek, NY is 66. This is a decrease of -10.0% 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 25.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $275,000 | 4.0% |
Listing Count | 16 | 2.0% |
| Listings as % of Homes | 0.3% | 2.0% |
Days on Market | 66 | -10.0% |
Demographics — Silver Creek, NY
As of the latest ACS Survey released in 2023, Silver Creek, NY has a population of 5,270, which has increased by 15.9% over the past 5 years. Silver Creek, NY is a moderately popular place for families, as children make up 20.3% of the population. The area has a moderately educated workforce, with 26.3% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 11.3% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 5,270 | 15.9% |
% Under 18 | 20.3% | -2.9% |
% Seniors | 23.6% | 27.6% |
% WFH | 11.3% | 769.2% |
% w/ College Degree | 26.3% | 12.4% |
As of the latest ACS Survey released in 2023, Silver Creek, NY is a predominantly white area, with 88.8% of the population identifying as white. The white population has shrunk by 6.5% in the last 5 years. The second most common race or ethnicity in Silver Creek, NY is hispanic, making up 5.2% of the population. Foreign-born residents account for 1.4% of the population in Silver Creek, NY, and this percentage has decreased by 36.4% 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 | 88.8% | -6.5% |
% Black | 1.1% | 0.0% |
% Hispanic | 5.2% | 225.0% |
% Asian | 0.0% | N/A |
% Foreign Born | 1.4% | -36.4% |
Mortgage and Risk — Silver Creek, NY
According to HUD data as of 2023, there were 71 mortgage originations in Silver Creek, NY, of which 80.0% of loans were conventional mortgages. The average loan-to-value was 68.0%, with 31.0% above 90% LTV (very high). This implies large mortgage risk in Silver Creek, NY. Investor activity is low, as 1.0% of loans were by investors. 8.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 71 |
% Conventional Loans | 80.0% |
% Government Loans | 20.0% |
% Investor Loans | 1.0% |
% Second Loans | 7.0% |
% Cash Out Refinance | 8.0% |
Loan Activity
Rentals and Section 8 — Silver Creek, NY
Silver Creek, NY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 22 |
Total Units Section 8 | 14 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | 91.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $860 |
| 2 Bedroom | $410 | $700 | $1,110 |
| 3 Bedroom | -$760 | $2,200 | $1,440 |
| 4 Bedroom | N/A | N/A | $1,470 |
Affordability — Silver Creek, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.3 |
| Median Home Price | $186,000 |
| Median Household Income | $68,900 |