ZIP Code 13438 — Remsen, New York

The median home in 13438 is valued at $177,300 against a median household income of $68,140, a price-to-income ratio of 2.6. 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 Oneida County, 13438 ranks 32 of 39 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.3. Renting takes 14.4% of median household income (median rent $818 a month), under the 30% cost-burden threshold.

13438 ranks 1,081 of 1,572 statewide on median household income and 1,047 of 1,572 on median home value; its income is below the $82,060 Oneida County median. 85% of households own their home, above 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 11.5%, above the 9.9% statewide ZIP median. Unemployment stands at 3.3%.

With 35 residents per square mile across 95.8 square miles of land, 13438 is far less dense than the statewide ZIP median of 197 (rank 1,312 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.