ZIP Code 13659 — Lorraine CDP, NY Demographics & Data

ZIP code 13659 covers Lorraine, NY in Jefferson County with a population of about 371.

At a glance, the area shows median age of 36.3 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.

Median household income in ZIP 13659 is about $59,423 — about 21% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.2%; unemployment rate near 1.7%; 25.7% of adults with a bachelor’s degree or higher (about 8.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 1.2% of workers reporting work-from-home (about 14.0 points below the U.S. share (15.2%)); a mean commute of about 168.0 minutes (U.S. average near 26.8).

Median home value is about $151,100 — about 57% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 95.7% (about 30.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 13659 in Lorraine, NY, a household would need roughly $42,000 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 $971. That sits below the local median household income ($59,423), 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 Lorraine CDP, 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 Lorraine CDP, NY show little to no average snow and around 44.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 16 for ZIP 13659 (Lorraine 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.