ZIP Code 13861 — West Oneonta, New York

The median home in 13861 is valued at $183,100 against a median household income of $57,047, 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 Otsego County, 13861 ranks 23 of 25 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.4.

13861 ranks 1,358 of 1,572 statewide on median household income and 1,008 of 1,572 on median home value; its income is below the $69,792 Otsego County median. 58% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 50% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 0.2%, far below the 9.9% statewide ZIP median and among the lowest in the state. Unemployment stands at 1.0%.

With 118 residents per square mile across 3.8 square miles of land, 13861 is less dense than the statewide ZIP median of 197 (rank 893 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.