ZIP Code 13338 — White Lake CDP, NY Demographics & Data

ZIP code 13338 covers White Lake, NY in Herkimer County with a population of about 1,293.

At a glance, the area shows median age of 53.4 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.

Median household income in ZIP 13338 is about $58,393 — about 22% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.9%; unemployment rate near 0.4%; 26.4% of adults with a bachelor’s degree or higher (about 7.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Public administration; about 11.1% of workers reporting work-from-home (about 4.1 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 $156,900 — about 55% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $481 (about 59% below the U.S. median rent ($1,163)), and owner-occupancy near 89.3% (about 23.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 13338 in White Lake, NY, a household would need roughly $43,000 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 $1,008. That sits below the local median household income ($58,393), 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 White Lake 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 White Lake 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 56 for ZIP 13338 (White Lake 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.