ZIP Code 13101 — Mc Graw, New York

The median home in 13101 is valued at $123,800 against a median household income of $62,670, a price-to-income ratio of 2.0. 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 Cortland County, 13101 ranks 5 of 9 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.0. Renting takes 16.4% of median household income (median rent $858 a month), under the 30% cost-burden threshold.

13101 ranks 1,231 of 1,572 statewide on median household income and 1,361 of 1,572 on median home value; its income is below the $70,111 Cortland County median. 77% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 16% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 9.5%, in line with the 9.9% statewide ZIP median. Unemployment stands at 4.9%.

With 58 residents per square mile across 38.4 square miles of land, 13101 is far less dense than the statewide ZIP median of 197 (rank 1,119 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.