ZIP Code 13480 — Waterville, New York

The median home in 13480 is valued at $168,100 against a median household income of $78,125, a price-to-income ratio of 2.2. 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, 13480 ranks 16 of 39 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.3. Renting takes 13.5% of median household income (median rent $880 a month), under the 30% cost-burden threshold.

13480 ranks 821 of 1,572 statewide on median household income and 1,098 of 1,572 on median home value; its income is in line with the $82,060 Oneida County median. 72% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 22% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 6.0%, below the 9.9% statewide ZIP median and among the lowest in the state. Unemployment stands at 1.7%.

With 63 residents per square mile across 54.8 square miles of land, 13480 is far less dense than the statewide ZIP median of 197 (rank 1,091 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.