ZIP Code 13439 — Schuyler Lake CDP, NY Demographics & Data

ZIP code 13439 covers Schuyler Lake, NY in Otsego County with a population of about 3,667.

At a glance, the area shows median age of 38.2 (near the U.S. median).

It sits in telephone area codes 315, 680; U.S. House district NY-19; the UTICA media market.

Median household income in ZIP 13439 is about $63,681 — about 15% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.5%; unemployment rate near 3.0%; 29.9% of adults with a bachelor’s degree or higher (about 3.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Retail trade; about 11.8% of workers reporting work-from-home (about 3.4 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 $184,300 — about 47% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $685 (about 41% below the U.S. median rent ($1,163)), and owner-occupancy near 78.7% (about 13.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 13439 in Schuyler Lake, NY, a household would need roughly $51,000 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 $1,184. That sits below the local median household income ($63,681), 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 Schuyler Lake CDP, NY as Relatively Low (composite score 75.8), which is elevated versus much of the country. The strongest component scores on US5 are flood (85.8) and hurricane (64.6). 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 Schuyler Lake CDP, NY show little to no average snow and around 47.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 158 for ZIP 13439 (Schuyler 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.