ZIP Code 13406 — Middleville village, NY Demographics & Data

ZIP code 13406 covers Middleville, NY in Herkimer County with a population of about 491.

At a glance, the area shows median age of 32.9 versus a U.S. median of about 38.9.

It sits in telephone area codes 315, 680; U.S. House district NY-21; the UTICA media market.

Median household income in ZIP 13406 is about $98,000 — about 30% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.7%; unemployment rate near 9.2%; 19.2% of adults with a bachelor’s degree or higher (about 14.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Healthcare, and Finance and insurance; about 7.1% of workers reporting work-from-home (about 8.1 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $139,100 — about 60% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $800 (about 31% below the U.S. median rent ($1,163)), and owner-occupancy near 96.4% (about 31.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 13406 in Middleville, NY, a household would need roughly $38,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $894. That sits below the local median household income ($98,000), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Middleville village, NY as Relatively Low (composite score 60.0), which is near the middle of the national distribution. The strongest component scores on US5 are flood (78.5) and hurricane (62.5). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Middleville village, NY show little to no average snow.

IRS migration statistics show a net inflow of about 21 for ZIP 13406 (Middleville village, NY) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.