ZIP Code 13809 — Mount Upton, New York

The median home in 13809 is valued at $178,900 against a median household income of $56,071, a price-to-income ratio of 3.2. 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 Chenango County, 13809 ranks 19 of 19 ZIPs on affordability (1 = lowest ratio); the county median ratio is 1.9. Renting takes 18.7% of median household income (median rent $872 a month), under the 30% cost-burden threshold.

13809 ranks 1,384 of 1,572 statewide on median household income and 1,031 of 1,572 on median home value; its income is below the $63,316 Chenango County median. 81% of households own their home, in line with 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 11.5%, above the 9.9% statewide ZIP median. Unemployment stands at 19.4%.

With 50 residents per square mile across 33.7 square miles of land, 13809 is far less dense than the statewide ZIP median of 197 (rank 1,184 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.