ZIP Code 13435 — Prospect CDP, NY Demographics & Data

ZIP code 13435 covers Prospect, NY in Oneida County with a population of about 337.

At a glance, the area shows median age of 44.8 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.

Median household income in ZIP 13435 is about $46,413 — about 38% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 0.0%; 12.8% of adults with a bachelor’s degree or higher (about 20.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Other services, and Transportation; a mean commute of about 178.0 minutes (U.S. average near 26.8).

Median home value is about $104,400 — about 70% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 90.2% (about 24.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 13435 in Prospect, NY, a household would need roughly $29,000 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 $671. That sits below the local median household income ($46,413), 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 Prospect CDP, NY as Relatively Moderate (composite score 86.3), which is elevated versus much of the country. The strongest component scores on US5 are flood (91.1) and hurricane (70.1). 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 Prospect CDP, NY show little to no average snow and around 51.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 15 for ZIP 13435 (Prospect 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.