ZIP Code 13439 — Richfield Springs, New York

The median home in 13439 is valued at $184,300 against a median household income of $63,681, a price-to-income ratio of 2.9. That is in line with 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 Otsego County, 13439 ranks 20 of 25 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.4. Renting takes 15.6% of median household income (median rent $827 a month), under the 30% cost-burden threshold.

13439 ranks 1,198 of 1,572 statewide on median household income and 1,001 of 1,572 on median home value; its income is below the $69,792 Otsego County median. 79% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 30% of adults hold a bachelor's degree or higher, in line with the 31% median, and the poverty rate is 13.5%, above the 9.9% statewide ZIP median. Unemployment stands at 3.0%.

With 42 residents per square mile across 87.9 square miles of land, 13439 is far less dense than the statewide ZIP median of 197 (rank 1,247 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.