ZIP 13123 vs ZIP 13157

This side-by-side compares ZIP 13123 (North Bay, NY) and ZIP 13157 (Sylvan Beach, NY) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 13123 has a population of 314 at 51 people per square mile, while ZIP 13157 has 695 at 484 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 13123 reports a median household income of — against $45,481 in ZIP 13157, with per-capita income of $24,547 vs $44,923. The share of adults holding a bachelor's degree or higher is 0.0% in 13123 and 22.0% in 13157. Poverty rate reads 0.0% vs 12.7%, and unemployment — vs 9.7% — 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 — in 13123 versus $162,900 in 13157, with median rent of — and $1,000 per month respectively. Homeownership rate is 100.0% vs 65.4%. 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.