ZIP Code 13796 — Laurens, New York

The median home in 13796 is valued at $144,400 against a median household income of $63,750, a price-to-income ratio of 2.3. 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 Otsego County, 13796 ranks 11 of 25 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.4. Renting takes 17.5% of median household income (median rent $932 a month), under the 30% cost-burden threshold.

13796 ranks 1,195 of 1,572 statewide on median household income and 1,257 of 1,572 on median home value; its income is below the $69,792 Otsego County median. 76% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 31% of adults hold a bachelor's degree or higher, in line with the 31% median, and the poverty rate is 6.8%, below the 9.9% statewide ZIP median. Unemployment stands at 6.5%.

With 38 residents per square mile across 24.4 square miles of land, 13796 is far less dense than the statewide ZIP median of 197 (rank 1,290 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.