ZIP Code 13825 — Otego, New York

The median home in 13825 is valued at $183,500 against a median household income of $73,966, a price-to-income ratio of 2.5. 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, 13825 ranks 17 of 25 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.4. Renting takes 14.4% of median household income (median rent $890 a month), under the 30% cost-burden threshold.

13825 ranks 932 of 1,572 statewide on median household income and 1,004 of 1,572 on median home value; its income is above the $69,792 Otsego County median. 77% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 29% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 6.5%, below the 9.9% statewide ZIP median. Unemployment stands at 7.9%.

With 49 residents per square mile across 56.6 square miles of land, 13825 is far less dense than the statewide ZIP median of 197 (rank 1,189 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.