ZIP Code 13651 — undefined, NY Demographics & Data

ZIP code 13651 covers NY in Jefferson County with a population of about 127.

At a glance, the area shows median age of 68.6 versus a U.S. median of about 38.9.

It sits in telephone area codes 315, 680; U.S. House district NY-24; the WATERTOWN media market.

NY reads as a military / base-oriented community on US5’s intent model (elevated veteran share (19.7%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 13651 is about $98,333 — about 31% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.7%; unemployment rate near 0.0%; 59.1% of adults with a bachelor’s degree or higher (about 25.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Transportation, Arts and entertainment, and Professional services; about 63.9% of workers reporting work-from-home (about 48.7 points above the U.S. share (15.2%)); a mean commute of about 13.0 minutes (U.S. average near 26.8).

Median home value is about $338,500 — about 3% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 13651 in NY, a household would need roughly $93,000 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 $2,174. That is roughly in line with the local median household income ($98,333). 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 Relatively Low (composite score 64.0), which is near the middle of the national distribution. The strongest component scores on US5 are flood (78.0) and hurricane (53.2). 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 37.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 5 for ZIP 13651 (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.