ZIP Code 13687 — undefined, NY Demographics & Data

ZIP code 13687 covers NY in St. Lawrence County with a population of about 421.

At a glance, the area shows median age of 55.9 versus a U.S. median of about 38.9.

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

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.

Median household income in ZIP 13687 is about $43,355 — about 42% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.1%; unemployment rate near 1.0%; 22.4% of adults with a bachelor’s degree or higher (about 11.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Education, and Agriculture; about 10.3% of workers reporting work-from-home (about 4.9 points below the U.S. share (15.2%)); a mean commute of about 175.0 minutes (U.S. average near 26.8).

Median home value is about $165,600 — about 52% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 97.4% (about 32.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 13687 in NY, a household would need roughly $46,000 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 $1,064. That is roughly in line with the local median household income ($43,355). 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 NY as Relatively Low (composite score 77.9), which is elevated versus much of the country. The strongest component scores on US5 are flood (85.0) and hurricane (59.2). 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 NY show little to no average snow and around 42.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 18 for ZIP 13687 (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.