ZIP Code 13731 — Andes CDP, NY Demographics & Data

ZIP code 13731 covers Andes, NY in Delaware County with a population of about 1,102.

At a glance, the area shows median age of 52.5 versus a U.S. median of about 38.9.

It sits in telephone area codes 329, 845; U.S. House district NY-19; the BINGHAMTON media market.

Median household income in ZIP 13731 is about $76,429 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.8%; unemployment rate near 9.6%; 32.4% of adults with a bachelor’s degree or higher (about 1.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Public administration, and Real estate; about 9.8% of workers reporting work-from-home (about 5.4 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 $270,000 — about 22% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $630 (about 46% below the U.S. median rent ($1,163)), and owner-occupancy near 87.2% (about 21.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 13731 in Andes, NY, a household would need roughly $74,000 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 $1,734. That is roughly in line with the local median household income ($76,429). 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 Andes CDP, NY as Relatively Moderate (composite score 83.3), which is elevated versus much of the country. The strongest component scores on US5 are flood (91.2) and hurricane (76.8). 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 Andes CDP, NY show little to no average snow and around 48.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 48 for ZIP 13731 (Andes 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.