ZIP Code 13691 — Theresa, New York

The median home in 13691 is valued at $158,700 against a median household income of $75,750, a price-to-income ratio of 2.1. 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 Jefferson County, 13691 ranks 7 of 33 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.7. Renting takes 15.6% of median household income (median rent $985 a month), under the 30% cost-burden threshold.

13691 ranks 892 of 1,572 statewide on median household income and 1,166 of 1,572 on median home value; its income is in line with the $75,673 Jefferson County median. 74% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 15% of adults hold a bachelor's degree or higher, far below the 31% median, and the poverty rate is 9.3%, below the 9.9% statewide ZIP median. Unemployment stands at 4.9%.

With 45 residents per square mile across 71 square miles of land, 13691 is far less dense than the statewide ZIP median of 197 (rank 1,225 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.