ZIP Code 13809 — undefined, NY Demographics & Data

ZIP code 13809 covers NY in Otsego County with a population of about 1,688.

At a glance, the area shows median age of 39.2 (near the U.S. median).

It sits in telephone area code 607; U.S. House district NY-19; the BINGHAMTON media market.

Median household income in ZIP 13809 is about $56,071 — about 25% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.5%; unemployment rate near 19.4%; 15.3% of adults with a bachelor’s degree or higher (about 18.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Construction, and Healthcare; about 10.4% of workers reporting work-from-home (about 4.8 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 $178,900 — about 49% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $806 (about 31% below the U.S. median rent ($1,163)), and owner-occupancy near 81.0% (about 15.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 13809 in NY, a household would need roughly $49,000 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 $1,149. That sits below the local median household income ($56,071), 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 NY as Relatively Low (composite score 75.8), which is elevated versus much of the country. The strongest component scores on US5 are flood (85.8) and hurricane (64.6). 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 45.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 73 for ZIP 13809 (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.