ZIP Code 13440 — Rome, New York

The median home in 13440 is valued at $155,800 against a median household income of $65,497, a price-to-income ratio of 2.4. 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, 13440 ranks 25 of 39 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.3. Renting takes 15.8% of median household income (median rent $863 a month), under the 30% cost-burden threshold.

13440 ranks 1,150 of 1,572 statewide on median household income and 1,181 of 1,572 on median home value; its income is below the $82,060 Oneida County median. 63% of households own their home, below 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 15.0%, far above the 9.9% statewide ZIP median. Unemployment stands at 5.5%.

With 354 residents per square mile across 116.5 square miles of land, 13440 is far denser than the statewide ZIP median of 197 (rank 659 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.