ZIP Code 13646 — Hammond, New York

The median home in 13646 is valued at $133,000 against a median household income of $67,344, a price-to-income ratio of 2.0. 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 Saint Lawrence County, 13646 ranks 21 of 35 ZIPs on affordability (1 = lowest ratio); the county median ratio is 1.9. Renting takes 14.3% of median household income (median rent $803 a month), under the 30% cost-burden threshold.

13646 ranks 1,110 of 1,572 statewide on median household income and 1,322 of 1,572 on median home value; its income is in line with the $66,488 Saint Lawrence County median. 77% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 27% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 26.0%, far above the 9.9% statewide ZIP median and among the highest in the state. Unemployment stands at 5.5%.

With 23 residents per square mile across 105 square miles of land, 13646 is far less dense than the statewide ZIP median of 197 (rank 1,438 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.