ZIP Code 13421 — Oneida, New York

The median home in 13421 is valued at $147,800 against a median household income of $63,732, a price-to-income ratio of 2.3. 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 Madison County, 13421 ranks 10 of 19 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.3. Renting takes 15.9% of median household income (median rent $846 a month), under the 30% cost-burden threshold.

13421 ranks 1,197 of 1,572 statewide on median household income and 1,231 of 1,572 on median home value; its income is below the $74,217 Madison County median. 68% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 26% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 11.4%, above the 9.9% statewide ZIP median. Unemployment stands at 3.9%.

With 318 residents per square mile across 40.1 square miles of land, 13421 is far denser than the statewide ZIP median of 197 (rank 678 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.