ZIP Code 13863 — Willet, New York

The median home in 13863 is valued at $103,500 against a median household income of $71,188, a price-to-income ratio of 1.5. 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 Cortland County, 13863 ranks 1 of 9 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.0. Renting takes 13.9% of median household income (median rent $822 a month), under the 30% cost-burden threshold.

13863 ranks 1,007 of 1,572 statewide on median household income and 1,481 of 1,572 on median home value; its income is in line with the $70,111 Cortland County median. 92% of households own their home, above 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 13.0%, above the 9.9% statewide ZIP median. Unemployment stands at 10.9%.

With 35 residents per square mile across 12.3 square miles of land, 13863 is far less dense than the statewide ZIP median of 197 (rank 1,312 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.