ZIP Code 13640 — Fishers Landing CDP, NY Demographics & Data

ZIP code 13640 covers Fishers Landing, NY in Jefferson County with a population of about 305.

At a glance, the area shows median age of 65.4 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.

Fishers Landing, NY fits a retirement-oriented profile (high share of residents 65+ (52.1%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 13640 is about $92,422 — about 23% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.8%; unemployment rate near 28.9%; 58.6% of adults with a bachelor’s degree or higher (about 24.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Professional services, and Manufacturing; about 18.6% of workers reporting work-from-home (about 3.4 points above the U.S. share (15.2%)); a mean commute of about 48.0 minutes (U.S. average near 26.8).

Median home value is about $330,500 — about 5% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 13640 in Fishers Landing, NY, a household would need roughly $91,000 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 $2,123. That is roughly in line with the local median household income ($92,422). 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 Fishers Landing CDP, 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 Fishers Landing CDP, NY show little to no average snow and around 37.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 13 for ZIP 13640 (Fishers Landing CDP, 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.