HousingHandbookReference data

U.S. ZIP Code · NY13815

Chenango County

Typical home value

$149,288[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+3.6%
5-year / yr
+5.6%
10-year / yr
+5.6%

Relative price

vs U.S.
-47.4%
vs metro
vs state
-53.1%
ZIP 13815 location in NY
Location of ZIP 13815 in NY

Price history

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

The typical home in 13815 is worth $149,288. Over the past year, values have risen 3.6%. The effective property tax rate is 2.1%.

#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
2.1%[3]
Typical annual tax
$3,183[3]

#Climate risk

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

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

#Who lives here

Population
12,654[3]
Median household income
$61,469[3]

#Migration

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

Net migration
-150[5]
Moved in
973
Moved out
1,123

Schools

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

Public schools
5
Elementary
2
Middle
1
High
1
  • NORWICH HIGH SCHOOL

    High · Grades 9–12 · NORWICH CITY SCHOOL DISTRICT

    516 students

  • STANFORD J GIBSON PRIMARY SCHOOL

    Elementary · Grades PK–2 · NORWICH CITY SCHOOL DISTRICT

    400 students

  • NORWICH MIDDLE SCHOOL

    Middle · Grades 6–8 · NORWICH CITY SCHOOL DISTRICT

    393 students

  • PERRY BROWNE INTERMEDIATE SCHOOL

    Elementary · Grades 3–5 · NORWICH CITY SCHOOL DISTRICT

    343 students

  • DELAWARE-CHENANGO-MADISON-OTSEGO BOCES

    Other · Grades K–12 · DELAWARE-CHENANGO-MADISON-OTSEGO BOCES

    286 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.

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$755
Loan principal$119,431
Down payment$29,858
Total interest paid$152,327

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$1,144
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
[1]
Rental yield
[2]
Property tax
[3]

Frequently asked

How much is a home worth in ZIP code 13815?
The typical home in 13815 is worth $149,288, based on the Zillow Home Value Index.
Are home values rising in 13815?
Home values in 13815 are up 3.6% over the past year, and up 5.6% a year over five years.
What is the property tax rate in 13815?
The effective property tax rate in 13815 is 2.1% — roughly $3,183 a year on a typical home.
Who lives in 13815?
ZIP code 13815 has a population of 12,654 and a median household income of $61,469.

Compare ZIPs

Pit ZIP 13815 against any other ZIP — full side-by-side table.

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