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ZIP Code 13849

Otsego, New York

FIPS 13849

Juniper

ZIP Code 13849 is in the top 24% nationally for FEMA risk score. It also sits in the 29th percentile nationally for median home value. And it sits in the top 34% nationally for price-to-income ratio.

Median Home Value

$137,400

Lower than 71% of U.S. ZIP codes

HPI Growth 5yr %

33%

Higher than 57% of U.S. ZIP codes

FEMA Risk Score

41.3

Lower than 76% of U.S. ZIP codes

The basics

Total Population

4,427

Median Age

44.3

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$137,400

Lower than 71%

Median Property Tax

$2,859

Effective Tax Rate

2%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

2.37

Lower than 66%

Median Rent

$857

Near median

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

33%

Higher than 57%

Pandemic Gain %

4%

Recession Drop %

-17%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

79.3

Winter Avg Low (°F)

14.2

Avg Temperature (°F)

45.8

Hot Days/yr (>90°F)

6

Freezing Days/yr (<32°F)

161.9

Annual Precipitation (in)

44.4

Annual Snowfall (in)

79.4

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

41.3

Lower than 76%

The full report

Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.

  • People

  • Work & Money

  • Housing

  • Amenities

  • Environment & Risk

ZIP Code 13849: frequently asked questions

What is the median home value in ZIP Code 13849?
The median home value in ZIP Code 13849 is $137,400, lower than 71% of U.S. ZIP codes.
How much is property tax in ZIP Code 13849?
The median annual property tax in ZIP Code 13849 is $2,859, an effective rate of 2% of home value.
Is ZIP Code 13849 expensive to live in?
Homes in ZIP Code 13849 cost about 2.37× the median household income, lower than 66% of U.S. ZIP codes.
What is the average rent in ZIP Code 13849?
The median gross rent in ZIP Code 13849 is $857 a month, near the U.S. ZIP codes median.
How much have home prices grown in ZIP Code 13849?
Home prices in ZIP Code 13849 have moved 33% over the past five years, per the FHFA House Price Index.
What is the weather like in ZIP Code 13849?
ZIP Code 13849 averages 45.8°F year-round, summer highs near 79.3°F, winter lows around 14.2°F (NOAA 1991–2020 normals). It sees about 79.4 inches of snow a year.
Is ZIP Code 13849 at risk of flooding or natural disasters?
ZIP Code 13849's FEMA National Risk Index score is 41.3 (lower than 76% of U.S. ZIP codes). Its greatest modeled natural hazard is tornado.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →