ZIP code 12913

ZIP 12913 is a small town in Franklin County, New York, with 1,128 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #1264 of 1,824 ranked by population — larger than 30% of them. The median age here is 44.6 years against 39.1 nationally, a slightly older profile than the country as a whole. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 12913 earn a median of $71,083 a year, 9.5% below the national figure of $78,538. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 16.1% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 12913 is valued at $192,700, 36.5% below the national figure, while median gross rent runs $525 a month, 62.7% below the national figure, or roughly $6,300 across a full year. A household on the local median income would put about 8.9% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 2.7×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 75.3% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 12913 is tabulated inside Franklin County, New York, one of 22 ZIP areas the Census publishes for that county and 1,826 across New York. Fewer than 2,500 people are counted here, so the ZIP behaves like a village delivery route rather than a neighbourhood. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 12913 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 12913 reports a median household income of $71,083, 10% above the $64,673 county median, and 11% below the $79,429 typical NY ZIP. Owner-occupied homes are valued at a median of $192,700, 57% above the county figure and 17% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $525 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

New York charges 4% statewide, and local governments overlapping 12913 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 12913 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.