ZIP Code 13350 — Herkimer, New York

The median home in 13350 is valued at $136,400 against a median household income of $62,548, 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 Herkimer County, 13350 ranks 12 of 15 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.0. Renting takes 15.8% of median household income (median rent $821 a month), under the 30% cost-burden threshold.

13350 ranks 1,235 of 1,572 statewide on median household income and 1,300 of 1,572 on median home value; its income is below the $72,700 Herkimer County median. 61% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 20% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 16.1%, far above the 9.9% statewide ZIP median. Unemployment stands at 5.7%.

With 305 residents per square mile across 31.6 square miles of land, 13350 is far denser than the statewide ZIP median of 197 (rank 685 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.