ZIP Code 13126 — Oswego, New York

The median home in 13126 is valued at $134,600 against a median household income of $63,590, a price-to-income ratio of 2.1. 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 Oswego County, 13126 ranks 16 of 21 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.0. Renting takes 18.7% of median household income (median rent $992 a month), under the 30% cost-burden threshold.

13126 ranks 1,203 of 1,572 statewide on median household income and 1,308 of 1,572 on median home value; its income is below the $71,172 Oswego County median. 66% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 29% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 17.0%, far above the 9.9% statewide ZIP median. Unemployment stands at 7.4%.

With 359 residents per square mile across 100.7 square miles of land, 13126 is far denser than the statewide ZIP median of 197 (rank 657 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.