ZIP Code 13331 — Eagle Bay CDP, NY Demographics & Data

ZIP code 13331 covers Eagle Bay, NY in Herkimer County with a population of about 175.

At a glance, the area shows median age of 68.7 versus a U.S. median of about 38.9.

It sits in telephone area codes 315, 680; U.S. House district NY-21; the UTICA media market.

Eagle Bay, NY fits a retirement-oriented profile (high share of residents 65+ (70.9%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 13331 is about $64,500 — about 14% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 0.0%; 50.3% of adults with a bachelor’s degree or higher (about 16.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Healthcare, and Finance and insurance; about 9.3% of workers reporting work-from-home (about 5.9 points below the U.S. share (15.2%)); a mean commute of about 88.0 minutes (U.S. average near 26.8).

Median home value is about $290,000 — about 17% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 13331 in Eagle Bay, NY, a household would need roughly $80,000 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 $1,863. That is about 24% above the local median household income ($64,500), so the median earner would likely stretch or need a larger down payment. 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 Eagle Bay CDP, NY as Relatively Low (composite score 60.0), which is near the middle of the national distribution. The strongest component scores on US5 are flood (78.5) and hurricane (62.5). 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 Eagle Bay CDP, NY show little to no average snow and around 49.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 8 for ZIP 13331 (Eagle Bay 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.