ZIP code 13124

ZIP 13124 is a very small community in Chenango County, New York, with 95 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #1703 of 1,824 ranked by population — larger than 6% of them. The median age here is 56.3 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. 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 13124 earn a median of $95,625 a year, 21.8% above the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 3.2% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 13124 is valued at $172,500, 43.1% below the national figure, while median gross rent runs not published a month. The home-price-to-income ratio works out to 1.8×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 93% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

A median age of 56.3 puts ZIP 13124 well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages. With 95 residents, a handful of survey responses moves every median on this page. Compare ZIP 13124 against its county rather than against national figures.

The Census withheld gross rent for ZIP 13124 because the sample was too thin to publish at this geography. Those values were suppressed at the source, not lost in our dataset, and we do not model a replacement. Everything else on this page comes straight from the ACS 2019-2023 ACS 5-year tables.

ZIP 13124 is tabulated inside Chenango County, New York, one of 16 ZIP areas the Census publishes for that county and 1,826 across New York. This is one of the smallest tabulated ZIP areas in the state, the kind of rural route where a single subdivision or farm cluster accounts for most addresses. 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 13124 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 13124 reports a median household income of $95,625, 51% above the $63,316 county median, and 20% above the $79,429 typical NY ZIP. Owner-occupied homes are valued at a median of $172,500, 44% above the county figure and 26% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at not published 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 13124 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 13124 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.