ZIP Code 13360 — undefined, NY Demographics & Data

ZIP code 13360 covers NY in Hamilton County with a population of about 193.

At a glance, the area shows median age of 42.8 versus a U.S. median of about 38.9.

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

Median household income in ZIP 13360 is about $117,708 — about 57% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.3%; unemployment rate near 0.0%; 35.8% of adults with a bachelor’s degree or higher (about 2.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Food services, and Construction; about 10.8% of workers reporting work-from-home (about 4.4 points below the U.S. share (15.2%)); a mean commute of about 116.0 minutes (U.S. average near 26.8).

Median home value is about $295,300 — about 15% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 97.3% (about 31.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 13360 in NY, a household would need roughly $81,000 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 $1,897. That sits below the local median household income ($117,708), 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 NY as Very Low (composite score 15.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (46.9) and flood (41.8). 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 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 13360 (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.