ZIP 13623 vs ZIP 13646

This side-by-side compares ZIP 13623 (Chippewa Bay, NY) and ZIP 13646 (Hammond, NY) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 13623 has a population of 49 at 48 people per square mile, while ZIP 13646 has 2,211 at 8 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 13623 reports a median household income of — against $72,212 in ZIP 13646, with per-capita income of $31,256 vs $35,323. The share of adults holding a bachelor's degree or higher is 0.0% in 13623 and 25.9% in 13646. Poverty rate reads 5.9% vs 25.6%, and unemployment 0.0% vs 4.8% — 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 13623 versus $155,100 in 13646, with median rent of — and $738 per month respectively. Homeownership rate is 100.0% vs 77.8%. 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.