ZIP Code 13601 — Watertown city, NY Demographics & Data

ZIP code 13601 covers Watertown, NY in Jefferson County with a population of about 37,409.

At a glance, the area shows median age of 35.9 versus a U.S. median of about 38.9.

It sits in telephone area codes 315, 680; U.S. House district NY-24; the WATERTOWN media market.

Watertown, NY sits in a university / college context (near jefferson community college (2.2 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 13601 is about $57,503 — about 23% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.6%; unemployment rate near 6.7%; 24.7% of adults with a bachelor’s degree or higher (about 9.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 4.2% of workers reporting work-from-home (about 11.0 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 $170,100 — about 51% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $851 (about 27% below the U.S. median rent ($1,163)), and owner-occupancy near 49.6% (about 15.8 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 13601 in Watertown, NY, a household would need roughly $47,000 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 $1,093. That sits below the local median household income ($57,503), 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 Watertown city, NY as Relatively Low (composite score 64.0), which is near the middle of the national distribution. The strongest component scores on US5 are flood (78.0) and hurricane (53.2). 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 Watertown city, NY show little to no average snow and around 44.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,616 for ZIP 13601 (Watertown city, 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.