HousingHandbookReference data

U.S. ZIP Code · NY13435

Oneida County · Utica-Rome, NY

Typical home value

$171,705[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+0.2%
5-year / yr
+5.4%
10-year / yr

Relative price

vs U.S.
-39.6%
vs metro
-22.1%
vs state
-46.1%
ZIP 13435 location in NY
Location of ZIP 13435 in NY

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 13435 is worth $171,705 — 22.1% below the Utica-Rome, NY median. Over the past year, values have risen 0.2%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
[3]
Typical annual tax
[3]

#Climate risk

FEMA National Risk Index ratings for Oneida County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively Moderate[4]
Riverine flood
Relatively Moderate
Coastal flood
Not Applicable
Wildfire
Very Low
Drought
No Rating
Heat wave
Relatively Low
Hurricane
Relatively Low
Tornado
Relatively Moderate
Earthquake
Relatively Low
Winter weather
Very High

#Who lives here

Population
218[3]
Median household income
$46,971[3]

#Migration

Household moves in and out of Oneida County over a year, from IRS tax-return data.

Net migration
-468[5]
Moved in
3,407
Moved out
3,875

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield
Net yield (after ~40% expenses)
Annual rent

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$868
Loan principal$137,364
Down payment$34,341
Total interest paid$175,200

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio
Monthly cost to own$1,183
Monthly rent

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
7th percentile[1]
Rental yield
[2]
Property tax
[3]

Frequently asked

How much is a home worth in ZIP code 13435?
The typical home in 13435 is worth $171,705, based on the Zillow Home Value Index.
Are home values rising in 13435?
Home values in 13435 are up 0.2% over the past year, and up 5.4% a year over five years.
Who lives in 13435?
ZIP code 13435 has a population of 218 and a median household income of $46,971.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • Middleville, NY

    Typical home
    $170,307
    Gross yield
  • Salisbury Center CDP, NY

    Typical home
    $173,806
    Gross yield
  • Bridgewater CDP, NY

    Typical home
    $174,297
    Gross yield
  • Mohawk, NY

    Typical home
    $168,958
    Gross yield
  • Cold Brook, NY

    Typical home
    $167,686
    Gross yield
  • NY

    Typical home
    $180,249
    Gross yield

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