ZIP Code 14785 in Stow, NY

Data Last Updated: March 1, 2026
City:Stow, New York
County:Chautauqua County
Timezone:Eastern (GMT -05:00)
Local Time:9:03:57 PM
Population:54 [See All]
Area Codes:624 / 716
Classification:PO Box
Coordinates:42.1569, -79.4017
Land Area:0.194 sq mi
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14785 - Stow, NY

ZIP Code 14785, Stow

Vacation Island
LocationChautauqua County, NY
Area0.3 sq mi
Population54
Households19
PO Boxes83 Regional Hub (437%)
Median Age67.3 years (Senior)
Seasonal Housing78%
ZIP CreatedBefore Oct 2004
Key Facts
  • Stow is a seasonal island community with 78% of homes vacant outside summer months
  • The post office serves 83 PO Boxes for only 19 year-round households, with most boxes rented by seasonal property owners
  • The median age of 67.3 years indicates a retirement and vacation ownership demographic
  • Rural carrier routes deliver to eight lakefront streets across 0.34 square miles of island geography
  • Old Bridge Road, Stow Ferry Road, and Hadley Bay Road form the primary delivery corridors
  • An adoption rate of 4.37 means the post office serves more than four times as many boxes as local households, reflecting regional service to mainland and seasonal visitors

Why So Many PO Boxes?

The post office maintains 83 PO Boxes for just 19 occupied households. That's an adoption rate of 4.37, meaning boxes serve more than four times the local population. Second-home owners who visit for weeks or months need reliable mail collection, and waterfront property owners crossing from the mainland stop at the Stow post office as their connection point. This pattern explains why a community of 54 permanent residents supports a facility that would seem oversized for its year-round population.

Street Delivery and Geography

Rural carrier routes serve eight streets, mostly lakefront roads. Old Bridge Road has the highest delivery concentration with four ZIP+4 records, followed by Stow Ferry Road, Hadley Bay Road, and Watson Road with three each. These roads trace the island's shoreline and connect seasonal properties that remain dark for three-quarters of the year. The median age of 67.3 years reflects a retirement and vacation demographic that values lake access over year-round convenience.

Street Name Patterns

Lakefront Access Ferry Connection Seasonal Residential

Street names reflect the island's geography and lake access, with ferry landings and shoreline roads dominating the delivery infrastructure. These aren't town streets but waterfront corridors connecting seasonal properties.

Interactive charts load automatically as you scroll. Hover for data, click to explore trends, and use the menu to export.

Population & Demographics


ZIP Code 14785 has 54 residents and 19 households (average 2.84 persons per household). The median age is 67.3 years, significantly older than the state (39.0) and significantly older than the nation (38.8). The gender split is 38.9% male and 61.1% female, which is much lower than the national male share (49.1%), making this a female-majority area. Largest groups are White (88.9%, much higher than the state average of 55.2% and well above the national average of 61.6%) and Black or African American (0.0%, much lower than the state average of 14.8% and well below the national average of 12.4%); Hispanic or Latino residents make up 0.0%, which is much lower than the state average (19.5%).

Explore More: Population Over Time By Age & Gender By Race By Gender Nativity & Citizenship

Source: U.S. Census 2020 Demographics & Housing Characteristics (DHC) and U.S. Census 2011-2024 American Community Survey (ACS) 5-Year Estimates.
2020 Population:54Source: Census DHC
2024 ACS Population Estimate:0Source: Census ACS
2026 ZC Population Estimate:0Source: ZIP-Codes.com
Population Density:278.4 people per sq mile
Average Income:$0Source: Census ACS
Households:19Source: Census DHC
Average House Value:$666,666,666Source: Census ACS
Persons Per Household:2.84Source: Census DHC
Average Family Size:2.65Source: Census ACS

Population Over Time (with 2010 & 2020 Census Benchmarks)


Group201020112102201320142015201620172018201920202021202220232024
Census ACS Population Estimate--00000000002813000
Decennial Census0------------------54--------
Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. DP05. DEMOGRAPHIC AND HOUSING ESTIMATES

Population by Age & Gender (Total, Male, Female)


Median Age: 67.3

Male Median Age: 70.1

Female Median Age: 67.2

Group< 55-910-1415-1920-2425-2930-3435-3940-4445-4950-5455-5960-6465-6970-7475-7980-8485+
Male000000230004107202
Female000027600001052433
Total000027830005159635
Source: U.S. Census Bureau (2020) Demographics & Housing Characteristics (DHC)

Population by Race


White:48100.00%
Black:00%
Hispanic:*00%
Asian:00%
American Indian:00%
Hawaiian:00%
Other:00%
Total:48100%
Source: U.S. Census Bureau (2020) Demographics & Housing Characteristics (DHC)
* NOTE: Hispanic or Latino is an ethnicity, not a race. This means individuals who identify as Hispanic will also be included in one of the race categories (such as White or Black). As a result, the totals shown here may exceed 100% when Hispanic is displayed alongside racial groups.

Gender Breakdown


GenderCount%Median Age
Males:2138.89%70.1 years
Females:3361.11%67.2 years
Total:54100%67.3 years
Source: U.S. Census Bureau (2020) Demographics & Housing Characteristics (DHC)

Nativity & Citizenship


Native, born in the United States:00%
Native, born in PR, Island Areas, or abroad:00%
Foreign born, naturalized U.S. citizen:00%
Foreign born, not a U.S. citizen:00%
Total Population:0100%
Total Native Population:00%
Total Foreign-born Population:00%
Source: U.S. Census 2020-2024 American Community Survey 5-Year Estimates. Table DP02. SELECTED SOCIAL CHARACTERISTICS
Note: Nativity and Citizenship derived from American Community Survey (ACS) 5-year estimates. Total Population listed here will not match official ZIP Code population totals, which are based on the Decennial Census.

Housing & Affordability


In 2024, the median home value is $0, which is much lower than the national median ($332,700), and above its 2019 pre-pandemic level by $0. The median gross rent is $0, which is well under the national median ($1,413), and above its 2019 pre-pandemic level by $0. Insufficient data for owner/renter mix. Insufficient data for vacancy rate.

Explore More: Compare Home Value Home Value Over Time Rent & Over Time Housing Occupancy

Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. Using data from Table DP03, SELECTED ECONOMIC CHARACTERISTICS.

Median Home Value (Comparison)


Source: U.S. Census 2020-2024 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Median Home Value Over Time


Group20112102201320142015201620172018201920202021202220232024
Median Home Value$0$0$0$0$0$0$0$0$0$0$0$0$0$0
Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. DP04. SELECTED HOUSING CHARACTERISTICS

Gross Rent Paid


Less than $500:00%
$500 to $999:00%
$1,000 to $1,499:00%
$1,500 to $1,999:00%
$2,000 to $2,499:00%
$2,500 to $2,999:00%
$3,000 or more:00%
No Rent:00%
Total:0100%
Source: U.S. Census 2020-2024 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Median Gross Rent Over Time


Group20112102201320142015201620172018201920202021202220232024
Median Rent$0$0$0$0$0$0$0$0$0$0$0$0$0$0
Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. DP04. SELECTED HOUSING CHARACTERISTICS

Housing Occupancy


Owner Occupied (with mortgage):00%
Owner Occupied (free and clear, no mortgage):00%
Renter Occupied:00%
Total Occupied Housing Units:0100%

Occupied Housing Units:00.00%
Vacant Housing Units (not graphed):45100.00%
Total Housing Units:45100%
Source: U.S. Census 2020-2024 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Housing Type (Single-Family, Multi-Family, Other)


Single-Family Units:45100.00%
Multi-Family Units:00.00%
Other Units:00%
Total Housing Units:45100%
Source: U.S. Census 2020-2024 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Business & Employment Statistics


ZIP Code 14785 supports both business and residential activity. According to the Business Census (2024), there are 5 business establishments, employing about 28 people with an annual payroll of $1,084,000.

# Residential Mailboxes:0Source: USPS
# Business Mailboxes:0Source: USPS
Total Delivery Receptacles:86Source: USPS
Single Family Delivery Units:0Source: USPS
Multi Family Delivery Units:0Source: USPS
# of Businesses:5Source: CBP
1st Quarter Payroll:$205,000Source: CBP
Annual Payroll:$1,084,000Source: CBP
# of Employees:28Source: CBP

Geography, Land Area, & Statistical Classifications


ZIP Code 14785 is located in Chautauqua County, New York, within the Jamestown-Dunkirk, NY Metropolitan Statistical Area (CBSA 27460) and New York's 23rd Congressional District. This Micro area has a population of 134,905 people, about 0.04% of whom live in ZIP Code 14785. It covers 0.194 sq mi of land and a water area of 0 sq mi.

CBSA Name:Jamestown-Dunkirk, NYSource: Census
CBSA Number:27460Source: Census
CBSA Type:MicroSource: Census
CBSA Division:--Source: Census
CBSA Population:134,905Source: Census
MSA:Jamestown, NY MSASource: Census
Land Area:0.194 sq miSource: Census
Water Area:--Source: Census
Congressional District:23Source: USPS
Congressional Land Area:7371.65 sq miSource: Census
PMSA:--Source: Census
Intro Date:< 2004-10Source: ZIP-Codes.com
Place FIPS Code:--Source: Census
Place Name:--Source: Census

Adjacent & Nearby ZIP Codes


14786 | | 14784

Schools in ZIP Code 14785


We could not locate which school district 14785 belongs to, but we will update this once new district data is released. There are no public schools nor private schools with a mailing address in this ZIP Code. Listing Nearby schools instead. It also has 6 colleges, universities or post secondary education institutions nearby which would be a short commute to.

Bemus Point Elementary School 41 Liberty St
Bemus Point, NY 14712
District: Bemus Point Central School DistrictNearby
Maple Grove Junior/Senior High School 3980 Dutch Hollow Rd
Bemus Point, NY 14712
District: Bemus Point Central School DistrictNearby
Panama K-6 School 41 North St
Panama, NY 14767
District: Panama Central School DistrictNearby
Panama High School 41 North St
Panama, NY 14767
District: Panama Central School DistrictNearby
Southwestern Middle School 600 Hunt Rd W
Jamestown, NY 14701
District: Southwestern Central School District at JamestownNearby
Chautauqua Christian Academy 200 Hunt Rd
Jamestown, NY 14701
District: Private SchoolNearby
Clear View School 3171 Route 76
Sherman, NY 14781
District: Private SchoolNearby
Clover Hill School 883 Weeks Rd
Panama, NY 14767
District: Private SchoolNearby

Colleges & Post Secondary Schools near ZIP Code 14785


Erie 2 Chautauqua Cattaraugus Boces-Practical Nursing Program 8685 Erie Rd
Angola, NY 14006
Type: Post Secondary
Jamestown Business College 7 Fairmount Ave
Jamestown, NY 14701-4756
Type: Post Secondary
Jamestown Community College 525 Falconer St
Jamestown, NY 14701
Type: Post Secondary
Suny At Fredonia 280 Central Ave
Fredonia, NY 14063-1136
Type: Post Secondary
Mercyhurst Municipal Police Training Academy 5999 Pa-89
North East, PA 16428
Type: Post Secondary
Northern Pennsylvania Regional College 300 2nd Avenue, Suite 500
Warren, PA 16365
Type: Post Secondary

Sources & References


Our sources include trusted federal and licensed data from the United States Postal Service, U.S. Census Bureau, U.S. Geological Survey, Centers for Medicare & Medicaid Services, and the National Center for Education Statistics, along with proprietary datasets created by ZIP-Codes.com. Data last updated on March 1, 2026.

  1. U.S. Postal Service [Last Updated: 3/1/2026], https://www.usps.com
  2. ZIP-Codes.com Proprietary Data Enhancements [Updated: 3/1/2026], https://www.zip-codes.com
  3. U.S. Census [Updated: Varies], https://www.census.gov
    • U.S. Census Office of Management and Budget [Updated: As Released]
    • U.S. Census 2020 Demographic & Housing Characteristics (DHC) [Decennial] [Updated: 5/25/2023]
    • U.S. Census 2011-2024 American Community Survey 5-year estimates (ACS) [Annually] [Updated: Annually, As Released]
    • U.S. Census Business Patterns (CBD) [Annually] [Updated: Annually, As Released]
    • U.S. Census American National Standards Institute (ANSI) [Updated: As Released]
  4. U.S. Geological Survey [Updated: Varies], https://www.usgs.gov
  5. Centers for Medicare & Medicaid Services [Updated: Annually, As Released], https://www.cms.gov
  6. National Center for Education Statistics [Updated: 3/1/2026], https://nces.ed.gov