ZIP Code 13157 — Sylvan Beach, New York

The median home in 13157 is valued at $114,200 against a median household income of $53,125, 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 Oneida County, 13157 ranks 15 of 39 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.3. Renting takes 21.9% of median household income (median rent $969 a month), under the 30% cost-burden threshold.

13157 ranks 1,431 of 1,572 statewide on median household income and 1,425 of 1,572 on median home value; its income is below the $82,060 Oneida County median. 71% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 25% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 8.6%, below the 9.9% statewide ZIP median. Unemployment stands at 9.1%.

With 1,368 residents per square mile across 0.4 square miles of land, 13157 is far denser than the statewide ZIP median of 197 (rank 459 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.