ZIP Code 13092 — Locke, New York

The median home in 13092 is valued at $174,100 against a median household income of $64,453, a price-to-income ratio of 2.7. That is below the 2.9 median across the 1,572 New York ZIP codes with published housing data, and near the 3.0 ratio that marks an attainable market nationally. Within Cayuga County, 13092 ranks 13 of 16 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.2. Renting takes 20.5% of median household income (median rent $1,102 a month), under the 30% cost-burden threshold.

13092 ranks 1,180 of 1,572 statewide on median household income and 1,057 of 1,572 on median home value; its income is below the $72,762 Cayuga County median. 82% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 19% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 23.2%, far above the 9.9% statewide ZIP median. Unemployment stands at 1.0%.

With 54 residents per square mile across 49.9 square miles of land, 13092 is far less dense than the statewide ZIP median of 197 (rank 1,146 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.