ZIP Code 13365 — Little Falls, New York

The median home in 13365 is valued at $121,000 against a median household income of $60,458, 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 Herkimer County, 13365 ranks 9 of 15 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.0. Renting takes 15.9% of median household income (median rent $800 a month), under the 30% cost-burden threshold.

13365 ranks 1,296 of 1,572 statewide on median household income and 1,374 of 1,572 on median home value; its income is below the $72,700 Herkimer County median. 78% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 19% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 19.3%, far above the 9.9% statewide ZIP median. Unemployment stands at 6.0%.

With 69 residents per square mile across 123.6 square miles of land, 13365 is far less dense than the statewide ZIP median of 197 (rank 1,054 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.