ZIP Code 13651 — Henderson Harbor, New York

The median home in 13651 is valued at $338,500 against a median household income of $98,333, a price-to-income ratio of 3.4. That is above 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 Jefferson County, 13651 ranks 29 of 33 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.7.

13651 ranks 476 of 1,572 statewide on median household income and 545 of 1,572 on median home value; its income is above the $75,673 Jefferson County median. 100% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 59% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 4.7%, far below the 9.9% statewide ZIP median and among the lowest in the state.

With 60 residents per square mile across 2.1 square miles of land, 13651 is far less dense than the statewide ZIP median of 197 (rank 1,102 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.