ZIP Code 13431 — Poland, New York

The median home in 13431 is valued at $207,700 against a median household income of $83,200, a price-to-income ratio of 2.5. 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, 13431 ranks 13 of 15 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.0. Renting takes 11.4% of median household income (median rent $793 a month), under the 30% cost-burden threshold.

13431 ranks 719 of 1,572 statewide on median household income and 892 of 1,572 on median home value; its income is above the $72,700 Herkimer County median. 83% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 23% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 10.3%, in line with the 9.9% statewide ZIP median. Unemployment stands at 8.4%.

With 53 residents per square mile across 36.1 square miles of land, 13431 is far less dense than the statewide ZIP median of 197 (rank 1,162 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.