ZIP Code 13420 — Old Forge CDP, NY Demographics & Data

ZIP code 13420 covers Old Forge, NY in Herkimer County with a population of about 890.

At a glance, the area shows median age of 57.8 versus a U.S. median of about 38.9.

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

Old Forge, NY aligns with a tech / corporate-campus profile (high remote-work / education / income profile or known campus context). Broadband quality, remote-work share, and nearby employer campuses often matter as much as classic residential stats.

Median household income in ZIP 13420 is about $107,770 — about 43% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.3%; unemployment rate near 7.7%; 62.2% of adults with a bachelor’s degree or higher (about 28.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Education, and Professional services; about 41.4% of workers reporting work-from-home (about 26.2 points above 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 $348,900 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 87.2% (about 21.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 13420 in Old Forge, NY, a household would need roughly $96,000 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 $2,241. That sits below the local median household income ($107,770), 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 Old Forge 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 Old Forge 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 38 for ZIP 13420 (Old Forge 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.