ZIP Code 13501 — Utica, New York

The median home in 13501 is valued at $136,100 against a median household income of $49,771, a price-to-income ratio of 2.7. 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, 13501 ranks 34 of 39 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.3. Renting takes 20.9% of median household income (median rent $865 a month), under the 30% cost-burden threshold.

13501 ranks 1,469 of 1,572 statewide on median household income and 1,302 of 1,572 on median home value; its income is below the $82,060 Oneida County median. 50% 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 29.2%, far above the 9.9% statewide ZIP median and among the highest in the state. Unemployment stands at 7.0%.

With 4,572 residents per square mile across 8.8 square miles of land, 13501 is far denser than the statewide ZIP median of 197 (rank 284 of 1,572). This is predominantly single-family residential with suburban street patterns.