ZIP Code 13849 — Unadilla, New York

The median home in 13849 is valued at $120,800 against a median household income of $55,884, 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 Otsego County, 13849 ranks 9 of 25 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.4. Renting takes 17.8% of median household income (median rent $830 a month), under the 30% cost-burden threshold.

13849 ranks 1,389 of 1,572 statewide on median household income and 1,377 of 1,572 on median home value; its income is below the $69,792 Otsego County median. 81% of households own their home, in line with 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 13.1%, above the 9.9% statewide ZIP median. Unemployment stands at 8.6%.

With 60 residents per square mile across 72 square miles of land, 13849 is far less dense than the statewide ZIP median of 197 (rank 1,102 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.