ZIP Code 13406 — Middleville, New York

The median home in 13406 is valued at $139,100 against a median household income of $98,000, a price-to-income ratio of 1.4. That is far 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, 13406 ranks 1 of 15 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.0. Renting takes 9.8% of median household income (median rent $800 a month), under the 30% cost-burden threshold.

13406 ranks 483 of 1,572 statewide on median household income and 1,284 of 1,572 on median home value; its income is above the $72,700 Herkimer County median. 96% of households own their home, above 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 9.7%, in line with the 9.9% statewide ZIP median. Unemployment stands at 9.2%.

With 107 residents per square mile across 4.6 square miles of land, 13406 is less dense than the statewide ZIP median of 197 (rank 915 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.