Utica-Rome, NY · New York
Herkimer County
ZIP 13431
59,932 residents35 permits TTM$68,858 median HHI17 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$135,000
ACS 5-Year
Cap rate proxy
7.2%
FMR × 0.65 ÷ Home Value
Rent-to-income
14.1%
HUD FMR ÷ ACS HHI
Net migration
+1.14%
IRS SOI
Permits (TTM)
35
Census BPS
Climate risk
60.0
FEMA NRI (0–100)
ZIP 13431
Median home value
—
Gross yield
—
Buy Box score
0.5
Section 8 gap
—
Affordability
P/I: 3.5R/I: —
Section 8 detail
SAFMR: —Rent: —Gap: —
ZIP code breakdown17 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Buy Box score ↓ | Section 8 gap |
|---|---|---|---|---|---|
| 13357 | — | — | — | 0.8 | — |
| 13350 | — | — | — | 0.8 | — |
| 13365 | — | — | — | 0.8 | — |
| 13407 | — | — | — | 0.8 | — |
| 13324 | — | — | — | 0.8 | — |
| 13340 | — | — | — | 0.7 | — |
| 13338 | — | — | — | 0.6 | — |
| 13416 | — | — | — | 0.6 | — |
| 13322 | — | — | — | 0.6 | — |
| 13431 | — | — | — | 0.5 | — |
| 13420 | — | — | — | 0.1 | — |
| 13331 | — | — | — | — | — |
| 13361 | — | — | — | — | — |
| 13406 | — | — | — | — | — |
| 13454 | — | — | — | — | — |
| 13472 | — | — | — | — | — |
| 13475 | — | — | — | — | — |
Sort by any column. Click a ZIP for detail.
Demographics
Owner-occupied
75.9%
Census ACS
Vacancy rate
21.6%
Census ACS
Bachelor's degree +
22.6%
Census ACS
Rent burdened
37.3%
Census ACS (>30% income)
Median age
44.6
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026