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Jefferson County · New York

ZIP code 13603

Population, income, housing costs and the sales tax rate charged on purchases inside ZIP 13603 — Census 2019-2023 ACS 5-year, no modelled estimates.
Population
13,973

ZCTA residents

Median income
$64,028

Household, past 12 months

Median home
—

Owner-occupied value

Sales tax
4%

New York state rate

Quick answer

ZIP 13603 sits in Jefferson County, New York and is home to 13,973 people. Median household income is $64,028, the median home is worth — and median gross rent is $1,567. 3.3% of households own their home, and purchases are taxed at 4% (New York state rate).

County
Jefferson County

FIPS 36045

State
New York (NY)

1,826 ZIPs covered

Area codes
Not published

No NANPA match for this ZIP

Metro area
Outside covered metros

Rate jurisdiction used for tax

The numbers for 13603

American Community Survey 2019-2023 ACS 5-year estimates for this ZCTA.

Population
13,973ZIP 13603 residents
Median household income
$64,028Past 12 months, inflation adjusted
Median home value
—Owner-occupied units
Median gross rent
$1,567Rent plus utilities, monthly
Median age
24.4 yrsAll residents
Homeownership rate
3.3%Owner-occupied households

ZIP 13603 in context

How this area compares with national benchmarks.

ZIP 13603 is a mid-size town in Jefferson County, New York, with 13,973 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #424 of 1,824 ranked by population — larger than 76% of them. The median age here is 24.4 years against 39.1 nationally, a distinctly younger profile, typical of places with students, military posts or a fast-growing family population. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 13603 earn a median of $64,028 a year, 18.5% below the national figure of $78,538. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 8.1% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 13603 is valued at not published, while median gross rent runs $1,567 a month, 11.5% above the national figure, or roughly $18,804 across a full year. A household on the local median income would put about 29.4% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. 3.3% of occupied homes are owner-occupied versus 65% nationally, a renter-majority market, so rent figures matter more here than the home-value line. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

A median age of 24.4 means a large student or early-career population; income medians in places like this understate household resources, since many residents are supported from outside the address.

The Census withheld home value for ZIP 13603 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.

Reading ZIP 13603 in context

How 13603 sits inside Jefferson County and New York.

ZIP 13603 is tabulated inside Jefferson County, New York, one of 38 ZIP areas the Census publishes for that county and 1,826 across New York. This is a mid-sized suburban ZIP inside a county that is split across many delivery areas. 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 13603 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 13603 reports a median household income of $64,028, 15% below the $75,673 county median, and 19% below the $79,429 typical NY ZIP. Owner-occupied homes are valued at a median of not published. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,567 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 13603 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 13603 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.

Sales tax in 13603

What a purchase inside this ZIP costs at checkout.

Rate applied
4%State base rate only
Tax on $100
$4Rounded to the dollar
Tax on $1,000
$40Before any exemptions

New York levies 4% statewide, and counties, cities and special districts inside this ZIP can add their own local rate on top. Check the county page for the local component before you quote a price.

Affordability in this ZIP

Derived from the Census medians above — indicative, not an offer.

Rent burden
29%Median rent ÷ median income
Price-to-income
—Home value ÷ household income
Est. mortgage
—20% down, 30-yr at 6.75%
Poverty rate
8.1%Residents below poverty line

A rent burden above 30% is the federal threshold for cost-burdened households, and a price-to-income multiple above 4× is generally considered a stretched housing market. The mortgage figure is principal and interest only — taxes, insurance and HOA dues are extra.

How 13603 compares

ZIP 13603 against the median ZIP in Jefferson County and across New York.

MeasureZIP 13603County medianState medianvs state
Median household income$64,028$75,673$79,429-19%
Median home value—$188,900$232,800—
Median gross rent$1,567$967$1,125+39%
Population13,9731,6282,819+396%

Medians are computed across the 38 ZIP areas in Jefferson County and the 1826 ZIP areas in New York.

Statewide rank

Where this ZIP places among all 1826 New York ZIP areas.

Income

richer than 25% of 1,625 state ZIPs

#1,220
Home value

Not published

—
Population

larger than 77% of 1,824 state ZIPs

#424

Comparable ZIP codes

New York ZIP areas with almost the same household income.

ZIPCountyIncomeHome valueRent
13470Fulton County$64,028$146,600$771
10040New York County$64,022$465,700$1,680
14731Cattaraugus County$64,091$255,200$908
14822Allegany County$64,100$84,000$979
11223Kings County$63,950$1,063,200$1,653
13459Schoharie County$64,115$158,000$1,096

Nearby ZIP codes

Other ZIP codes filed under Jefferson County.

Adjacent ZIP Codes

Other ZIP codes in Jefferson County, New York.

ZIP 13603 questions

Common questions about this ZIP code.

Where is ZIP code 13603?
ZIP 13603 lies mostly in Jefferson County, New York. County assignment follows the largest share of land area, so a ZIP straddling a county line is filed under its dominant county.
What sales tax do I pay in 13603?
New York charges 4% statewide, plus any county, city or district rate that applies locally.
Is 13603 expensive to live in?
Median rent runs $1,567 a month, about 29% of median household income, and the median home is worth — — — against the typical New York ZIP.
Is a ZCTA the same as a postal ZIP code?
Not exactly. The Census builds ZIP Code Tabulation Areas from the ZIP codes of addresses inside each census block, so a ZCTA can differ slightly from the USPS delivery route of the same number, and PO-box-only ZIPs have no ZCTA at all.

Related pages for this area.

Sources & transparency

Every figure on this page is a published estimate for ZIP Code Tabulation Area 13603, except the affordability ratios and mortgage estimate, which we derive from those medians and label as estimates.

Last reviewed December 2024. Figures are published for reference and can change; verify with the source agency before filing or contracting. How we build and check this data.