ZIP Code 13410 — Nelliston village, NY Demographics & Data

ZIP code 13410 covers Nelliston, NY in Montgomery County with a population of about 575.

At a glance, the area shows median age of 61.5 versus a U.S. median of about 38.9.

It sits in telephone area codes 518, 838; U.S. House district NY-21; the ALBANY - SCHENECTADY - TROY media market.

Nelliston, NY fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

On socioeconomic markers, US5 shows a poverty rate of 25.7%; unemployment rate near 0.9%; 12.6% of adults with a bachelor’s degree or higher (about 21.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Education, and Construction; about 9.5% of workers reporting work-from-home (about 5.7 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 $55,700 — about 84% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $526 (about 55% below the U.S. median rent ($1,163)), and owner-occupancy near 63.5% (about 1.9 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 13410 in Nelliston, NY, a household would need roughly $15,000 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 $358. 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 Nelliston village, NY as Relatively Low (composite score 65.2), which is near the middle of the national distribution. The strongest component scores on US5 are flood (80.5) and hurricane (68.0). 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 Nelliston village, NY show little to no average snow.

IRS migration statistics show a net inflow of about 25 for ZIP 13410 (Nelliston 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.