How much is a home worth in ZIP code 13440?

The typical home in 13440 is worth $206,342, based on the Zillow Home Value Index.

Are home values rising in 13440?

Home values in 13440 are up 7.9% over the past year, and up 8.1% a year over five years.

What is the typical rent in 13440?

A typical home in 13440 rents for about $1,433 a month, a gross rental yield of 8.3%.

What is the property tax rate in 13440?

The effective property tax rate in 13440 is 2.0% — roughly $4,229 a year on a typical home.

ZIP code 13440 has a population of 41,555 and a median household income of $68,207.

HousingHandbookReference data

…

U.S. ZIP Code · NY13440

Oneida County · Utica-Rome, NY

Typical home value

$206,342^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: +7.9%
5-year / yr: +8.1%
10-year / yr: +8.3%

Relative price

vs U.S.: -27.4%
vs metro: -6.4%
vs state: -35.2%

Price history

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

The typical home in 13440 is worth $206,342 — 6.4% below the Utica-Rome, NY median. Over the past year, values have risen 7.9%. Homes here rent for a typical $1,433 a month — a 8.3% gross rental yield. The effective property tax rate is 2.0%.

#Rent & investment

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

Monthly rent: $1,433^[2]
Gross yield: 8.3%^[2]
Cap rate: 5.0%^[2]

#Property tax

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

Effective tax rate: 2.0%^[3]
Typical annual tax: $4,229^[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: 41,555^[3]
Median household income: $68,207^[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

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools: 9
Elementary: 7
Middle: 1
High: 0

LYNDON H STROUGH MIDDLE SCHOOL
Middle · Grades 7–8 · ROME CITY SCHOOL DISTRICT
827 students
LOUIS V DENTI ELEMENTARY SCHOOL
Elementary · Grades K–6 · ROME CITY SCHOOL DISTRICT
627 students
BELLAMY ELEMENTARY SCHOOL
Elementary · Grades K–6 · ROME CITY SCHOOL DISTRICT
562 students
JOHN E JOY ELEMENTARY SCHOOL
Elementary · Grades K–6 · ROME CITY SCHOOL DISTRICT
408 students
GANSEVOORT ELEMENTARY SCHOOL
Elementary · Grades K–6 · ROME CITY SCHOOL DISTRICT
391 students

Run the numbers

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

Home value$Monthly rent$

Gross yield8.3%

Net yield (after ~40% expenses)5.0%

Annual rent$17,200

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.

Home price$Down payment%Interest rate%Loan termyears

Monthly payment$1,043

Loan principal$165,074

Down payment$41,268

Total interest paid$210,543

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.

Home price$Monthly rent$Down payment%Mortgage rate%Property tax rate% / yrMaintenance% / yrRule of thumb: 1% of home value per year.

Own : rent ratio1.09

Monthly cost to own$1,568

Monthly rent$1,433

Owning and renting are roughly even.

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: 87th percentile^[1]
Rental yield: 100th percentile^[2]
Property tax: 87th percentile^[3]

Frequently asked

How much is a home worth in ZIP code 13440?: The typical home in 13440 is worth $206,342, based on the Zillow Home Value Index.
Are home values rising in 13440?: Home values in 13440 are up 7.9% over the past year, and up 8.1% a year over five years.
What is the typical rent in 13440?: A typical home in 13440 rents for about $1,433 a month, a gross rental yield of 8.3%.
What is the property tax rate in 13440?: The effective property tax rate in 13440 is 2.0% — roughly $4,229 a year on a typical home.
Who lives in 13440?: ZIP code 13440 has a population of 41,555 and a median household income of $68,207.

#Comparable ZIPs

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

13486 vs 13440 →
Westernville CDP, NY
Typical home
$205,350
Gross yield
—
13340 vs 13440 →
Frankfort, NY
Typical home
$204,961
Gross yield
—
13361
NY
Typical home
$207,741
Gross yield
—
13502
Utica, NY
Typical home
$204,639
Gross yield
7.8%
13501
Utica, NY
Typical home
$208,131
Gross yield
8.1%
13309
Boonville, NY
Typical home
$204,442
Gross yield
—

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#Jump to section

U.S. ZIP Code · NY13440

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