ZIP Code 13786 — Harpersfield, New York

The median home in 13786 is valued at $145,800 against a median household income of $50,833, a price-to-income ratio of 2.9. That is in line with 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 Delaware County, 13786 ranks 14 of 30 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.9.

13786 ranks 1,457 of 1,572 statewide on median household income and 1,246 of 1,572 on median home value; its income is below the $66,140 Delaware County median. 93% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 23% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 13.5%, above the 9.9% statewide ZIP median. Unemployment stands at 11.4%.

With 56 residents per square mile across 7.8 square miles of land, 13786 is far less dense than the statewide ZIP median of 197 (rank 1,128 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.