ZIP Code 13841 — Smithville Flats, New York

The median home in 13841 is valued at $115,000 against a median household income of $53,125, a price-to-income ratio of 2.2. 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 Chenango County, 13841 ranks 14 of 19 ZIPs on affordability (1 = lowest ratio); the county median ratio is 1.9. Renting takes 25.4% of median household income (median rent $1,125 a month), under the 30% cost-burden threshold.

13841 ranks 1,431 of 1,572 statewide on median household income and 1,420 of 1,572 on median home value; its income is below the $63,316 Chenango County median. 76% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 20% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 18.3%, far above the 9.9% statewide ZIP median. Unemployment stands at 4.8%.

With 43 residents per square mile across 9.2 square miles of land, 13841 is far less dense than the statewide ZIP median of 197 (rank 1,240 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.