ZIP Code 13431

ZIP code 13431 is classified by USPS as a standard delivery area and covers roughly 95.3 square miles in Poland, Herkimer County, New York. The area is home to 2,069 residents, producing a population density of 22 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 13431 against New York and the nation.

On the economic side, the median household income for ZIP 13431 sits at $76,000 (18% below the New York average), while per-capita income is $37,753. The poverty rate stands at 10.1% and the unemployment rate at 8.2%. On housing, the median home value is $245,100 (35% below the state average) with median rent at $768 per month, and 85.3% of occupied units are owner-occupied, a direct signal of whether 13431 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 26.3% of adults hold a bachelor's degree or higher, the median age is 40.3, and the average commute is —. We also surface 8 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Herkimer County, so you can benchmark 13431 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →