ZIP Code 13693 — Three Mile Bay CDP, NY Demographics & Data

ZIP code 13693 covers Three Mile Bay, NY in Jefferson County with a population of about 315.

At a glance, the area shows median age of 63.6 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.

Three Mile Bay, NY fits a retirement-oriented profile (high share of residents 65+ (43.8%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 13693 is about $44,375 — about 41% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.3%; unemployment rate near 0.0%; 38.6% of adults with a bachelor’s degree or higher (about 4.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Other services; about 13.7% of workers reporting work-from-home (about 1.5 points below the U.S. share (15.2%)); a mean commute of about 63.0 minutes (U.S. average near 26.8).

Median home value is about $212,500 — about 39% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 96.9% (about 31.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 13693 in Three Mile Bay, NY, a household would need roughly $58,000 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 $1,365. That is about 31% above the local median household income ($44,375), so the median earner would likely stretch or need a larger down payment. 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 Three Mile Bay 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 Three Mile Bay CDP, NY show little to no average snow and around 37.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 14 for ZIP 13693 (Three Mile Bay 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.