ZIP Code 13322 — Clayville, New York

The median home in 13322 is valued at $203,600 against a median household income of $92,250, a price-to-income ratio of 2.2. 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, 13322 ranks 17 of 39 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.3. Renting takes 14.6% of median household income (median rent $1,125 a month), under the 30% cost-burden threshold.

13322 ranks 553 of 1,572 statewide on median household income and 909 of 1,572 on median home value; its income is above the $82,060 Oneida County median. 91% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 28% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 4.2%, far below the 9.9% statewide ZIP median and among the lowest in the state. Unemployment stands at 6.1%.

With 80 residents per square mile across 13.3 square miles of land, 13322 is far less dense than the statewide ZIP median of 197 (rank 1,014 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.