ZIP 13041 vs ZIP 13090

This side-by-side compares ZIP 13041 (Clay, NY) and ZIP 13090 (Liverpool, NY) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 13041 has a population of 10,705 at 226 people per square mile, while ZIP 13090 has 30,124 at 772 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 13041 reports a median household income of $120,188 against $88,492 in ZIP 13090, with per-capita income of $48,791 vs $43,883. The share of adults holding a bachelor's degree or higher is 39.2% in 13041 and 43.0% in 13090. Poverty rate reads 2.3% vs 10.8%, and unemployment 4.6% vs 2.9% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $226,900 in 13041 versus $213,100 in 13090, with median rent of $1,570 and $1,382 per month respectively. Homeownership rate is 89.6% vs 67.9%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.