ZIP Code 13477 — Vernon Center, New York

The median home in 13477 is valued at $118,000 against a median household income of $63,500, a price-to-income ratio of 1.9. 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, 13477 ranks 6 of 39 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.3. Renting takes 13.8% of median household income (median rent $728 a month), under the 30% cost-burden threshold.

13477 ranks 1,208 of 1,572 statewide on median household income and 1,400 of 1,572 on median home value; its income is below the $82,060 Oneida County median. 81% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 14% of adults hold a bachelor's degree or higher, far below the 31% median, and the poverty rate is 11.6%, above the 9.9% statewide ZIP median. Unemployment stands at 6.6%.

With 82 residents per square mile across 18 square miles of land, 13477 is far less dense than the statewide ZIP median of 197 (rank 1,004 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.