ZIP Code 13486 — Westernville, New York

The median home in 13486 is valued at $144,400 against a median household income of $84,792, a price-to-income ratio of 1.7. 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, 13486 ranks 3 of 39 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.3. Renting takes 15.1% of median household income (median rent $1,070 a month), under the 30% cost-burden threshold.

13486 ranks 688 of 1,572 statewide on median household income and 1,257 of 1,572 on median home value; its income is in line with the $82,060 Oneida County median. 89% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 29% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 12.4%, above the 9.9% statewide ZIP median. Unemployment stands at 5.3%.

With 26 residents per square mile across 26.6 square miles of land, 13486 is far less dense than the statewide ZIP median of 197 (rank 1,403 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.