Population & age
- Total population
- 710
- Median age
- 49.7
ZIP 13470, NY (13470)
Fulton County · Population 710
Fresh.Data current as of Apr 24, 2026
NY 13470 (ZIP 13470) sits in Fulton County. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: High Blood Pressure comes in above the national average at 42.3%. No NCES schools are mapped to this ZIP in the current dataset. 2 colleges and universities serve the area, with median in-state tuition of $8,825. IRS data shows average household income (AGI) of $54,121 per tax return. FEMA has issued 27 federal disaster declarations affecting this ZIP since 1974 — a high-frequency exposure profile. Annual average temperature is just 42.8°F per NOAA's 1991–2020 Climate Normals — a notably cold-weather climate. Only 5.8% of residents under 65 are uninsured (County Health Rankings, 2025) — well below the national county median. New York levies a graduated state income tax (top rate 10.90%); a household at the local median AGI of $54,121 would pay roughly $3,540/year before deductions. New residents arriving here predominantly come from Montgomery County, NY (IRS SOI Migration, 2022-2023). Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $60,972, fair market rent of $1,050 for a two-bedroom, and a typical home value of $209,170, up 9.3% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
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Demographics
Race & ethnicity
- White
- 93.8%
- Black
- 1.7%
- Asian
- 0.1%
- Hispanic / Latino
- 3.0%
- Other / multi-racial
- 4.4%
Income & housing
- Median household income
- $60,972
- Median home value
- $145,600
Education
- Bachelor's degree or higher (age 25+)
- 12.1%
Employment
- Unemployment rate
- 2.6%
Housing
- Owner-occupied
- 202(83.8%)
- Renter-occupied
- 39(16.2%)
- Vacant units
- 390
- Built (median)
- 1973
Commute
- Public transit
- 0(0.0%)
- Work from home
- 26(9.9%)
- Avg commute
- 32.7 min
Economic wellbeing
- Below poverty line
- 243(34.2%)
- Uninsured
- 0(0.0%)
Digital access
- Broadband access
- 184(76.3%)
- No broadband
- 57(23.7%)
Language & nativity
- Foreign-born
- 3(0.4%)
- Non-English at home
- 2(0.3%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$830
/month
1 Bed
$840
/month
2 Bed
$1,050
/month
3 Bed
$1,260
/month
4 Bed
$1,490
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
Home values
Typical home value
$209,170
Zillow Home Value Index (ZHVI) · as of March 2026
Year-over-year change
+9.3%
vs. March 2025
5-year change
+36.1%
vs. March 2021
Metro area
Gloversville, NY
Metropolitan statistical area
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
New housing construction
New housing units permitted
110
Across 110 permitted buildings. Total construction value: $42.6M.
Single-family
110
100% of total units
Multifamily (2+ unit)
0
0% of total units
Single-family value
$42.6M
construction value
Multifamily value
$0
construction value
Aggregated from 2 counties touching this ZIP (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Income & tax statistics
Tax returns filed
280
Average AGI
$54,121
Avg property tax
—
EITC participation
17.9%
Income distribution
- $1 – $25,00028.6% · 80
- $25,000 – $50,00028.6% · 80
- $50,000 – $75,00021.4% · 60
- $75,000 – $100,00010.7% · 30
- $100,000 – $200,00010.7% · 30
- $200,000 or more0.0% · 0
Avg mortgage interest
—
Avg charitable contribution
—
Avg capital gains
-$11
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $15.2M across all reported brackets.
Business & employment
Business establishments
5
Total employment
25
Annual payroll
$1.0M
Average annual pay
$41,680
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Employment & wages
Average annual pay
$54,770
Average weekly wage
$1,053
Total employment
16,102
Total establishments
1,190
That is roughly 16% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment
Unemployment rate
4.0%
That tracks the US national unemployment rate of about 4.0%.
Labor force
24,163
Employed
23,200
Unemployed
963
Based on Fulton County, NY data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
Federal Disaster Declarations
Federally Declared Disasters
27
Date Range
1974–2020
Most Recent Declaration
COVID-19 PANDEMIC
Biological — declared March 20, 2020 (DR-4480)
Incident period: January 20, 2020 – May 11, 2023
Top Incident Types
- Severe Storm11 (41%)
- Flood5 (19%)
- Snowstorm3 (11%)
- Hurricane3 (11%)
- Biological2 (7%)
- Other3 (11%)
Individual Assistance
5
Direct help to disaster survivors
Households Program
3
Housing & temporary lodging support
Public Assistance
25
Repair of public facilities & roads
Hazard Mitigation
13
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Climate
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
42.8°F
36.7° – 49°
Annual precipitation
47.6"
Annual snowfall
85.5"
Heating · cooling days
8,231.5 · 187.6
Annual base 65°F
Nearest station: COOPERSTOWN, NY US, 36.5 miles from the centroid of ZIP 13470 (ZIP 13470)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Community health profile
Years of potential life lost (per 100K)
9,922
That is roughly 1,722 years per 100,000 above the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
19%
of adults self-report
Poor physical health days
4.2
avg per adult per month
Poor mental health days
5.5
avg per adult per month
Uninsured
5.8%
of residents under 65
Primary care MDs
32
per 100,000 residents
Preventable hospital stays
3,231
per 100K Medicare enrollees
Food environment (0-10)
8.0
10 = best access & security
Exercise access
90%
residents near a facility
Flu vaccinated
48%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 8.3% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Fulton data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access
Food access status
Moderate food access challenges
12.5% of Fulton County, NY residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.21
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
0.94
accepting food benefits
Fast-food restaurants
0.74
per 1,000 residents
Among low-income residents, 3.8% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in Fulton County, NY for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Safety
FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.
Violent crime rate
—
per 100K residents · 0 reports
Property crime rate
—
per 100K residents · 11 reports
Homicide
0
Robbery
0
Burglary
0
Vehicle theft
0
County-level data for Herkimer (2024)
Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.
Who’s moving in and out
Net migration (2022-2023)
▲+113 people
−39 households • −$3.6M net AGI flow
Moved in
1,435households
2,444 people • $82.4M AGI
Moved out
1,474households
2,331 people • $85.9M AGI
Where new residents came from
- Montgomery County, NY — 303 households
- Saratoga County, NY — 152 households
- Schenectady County, NY — 97 households
- Albany County, NY — 61 households
- Herkimer County, NY — 55 households
Where departing residents went
- Montgomery County, NY — 289 households
- Saratoga County, NY — 134 households
- Herkimer County, NY — 67 households
- Schenectady County, NY — 54 households
- Albany County, NY — 51 households
Incoming households reported an average AGI of $57,387 versus departing households' $58,280.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
Taxes & benefits in New York
State-level rules that apply to every resident of ZIP 13470. Numbers reflect the most recent published year per source.
Tax rates
Income tax
10.90%
graduated · 8 brackets
Sales tax (combined)
8.54%
State 4.00% · avg local 4.54%
Property tax (effective)
1.92%
Median $3,417/year
Tax burden rank
50 of 50
14.20% of personal income
For ZIP 13470: At this ZIP's median AGI of $54,121, the estimated state income tax (before deductions) runs about $3,540 per year. Applied to this ZIP's typical home value of $209,170, that works out to roughly $4,015/year in property tax.
Paid family leave
Program
Paid Family Leave
Mandatory (private insurance)
Max weeks/year
26
Parental
12wk
Max weekly benefit
$1,229
Replacement: 67% AWW · job protection
Safety net
SNAP eligibility
200% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). No asset test.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Other ZIPs near 13470
Nearby ZIPs by distance
13454 (Salisbury Center, 5.4 mi) · 12032 (Caroga Lake, 6.6 mi) · 13329 (Dolgeville, 7.3 mi) · 13452 (St. Johnsville, 11.6 mi) · 13365 (Little Falls, 12 mi) · 13406 (Middleville, 13.5 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Data sources used on this page
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
Obesity
37.3%
4.3pp above the 33.0% national rate.
High Blood Pressure
42.3%
10.3pp above the 32.0% national rate.
Depression
21.2%
Tracks close to the 22.0% national rate.
Annual Checkup
82.1%
6.1pp above the 76.0% national rate.
Health Insurance
6.4%
6.6pp below the 13.0% national rate.
Diabetes
14.0%
3.0pp above the 11.0% national rate.
Colleges & universities nearby
Colleges in this area
2
Median in-state tuition
$8,825
Median earnings (10 yr)
$42,232
- 4-Year
SUNY Morrisville
Morrisville, NY · 13408
- In-state tuition
- $8,825
- Out-of-state tuition
- $19,245
- Acceptance rate
- 91.5%
- Graduation rate
- 30.1%
- Median earnings (10 yr)
- $43,295
- Median student debt
- $18,742
- Certificate
Madison Oneida BOCES-Practical Nursing Program
Verona, NY · 13478
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- 100.0%
- Graduation rate
- 83.8%
- Median earnings (10 yr)
- $41,169
- Median student debt
- —
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
What these numbers say together
NY 13470 (ZIP 13470) sits in Fulton County. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: High Blood Pressure comes in above the national average at 42.3%. No NCES schools are mapped to this ZIP in the current dataset. 2 colleges and universities serve the area, with median in-state tuition of $8,825. IRS data shows average household income (AGI) of $54,121 per tax return. FEMA has issued 27 federal disaster declarations affecting this ZIP since 1974 — a high-frequency exposure profile. Annual average temperature is just 42.8°F per NOAA's 1991–2020 Climate Normals — a notably cold-weather climate. Only 5.8% of residents under 65 are uninsured (County Health Rankings, 2025) — well below the national county median. New York levies a graduated state income tax (top rate 10.90%); a household at the local median AGI of $54,121 would pay roughly $3,540/year before deductions. New residents arriving here predominantly come from Montgomery County, NY (IRS SOI Migration, 2022-2023). Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $60,972, fair market rent of $1,050 for a two-bedroom, and a typical home value of $209,170, up 9.3% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.
One concrete reading worth keeping: Depression prevalence sits near the national rate at 21.2%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
Frequently Asked Questions — ZIP 13470
What is the obesity rate in ZIP 13470?
37.3%, which is 4.3 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the depression rate in ZIP 13470?
21.2%, which is 0.8 percentage points below the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the high blood pressure rate in ZIP 13470?
42.3%, which is 10.3 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the population of ZIP 13470?
710 people live in ZIP 13470, with a median age of 49.7 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 13470?
$60,972 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 13470 mostly renters or homeowners?
In ZIP 13470, 83.8% of occupied housing units are owner-occupied and 16.2% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 13470?
In ZIP 13470, 9.9% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 13470?
34.2% of the population in ZIP 13470 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 13470 have broadband internet?
76.3% of households in ZIP 13470 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the typical home value in ZIP 13470?
The typical home value in ZIP 13470 is $209,170, up 9.3% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Are home values rising or falling in ZIP 13470?
Home values are up 9.3% over the past year and up 36.1% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
What is the average household income in ZIP 13470?
The average Adjusted Gross Income reported on tax returns from ZIP 13470 (NY 13470) is $54,121 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 13470?
Tax returns from ZIP 13470 report an average of $0 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
What percentage of residents in ZIP 13470 earn over $200,000?
0.0% of tax returns from ZIP 13470 (NY 13470) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How many businesses are in ZIP 13470?
As of 2022, 5 business establishments operated in ZIP 13470 employing 25 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 13470?
The average annual pay across all local establishments in ZIP 13470 is $41,680, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 13470 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 13470 ranks in the 53th percentile nationally for social vulnerability — a high vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 13470?
Housing Type & Transportation is the highest-scoring CDC SVI theme for ZIP 13470, ranking in the 81th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 13470 experienced?
FEMA has recorded 27 federal disaster declarations affecting ZIP 13470 between 1974–2020 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 13470?
Severe Storm is the most common federally declared disaster type affecting ZIP 13470, accounting for 11 of 27 declarations (41%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 13470?
The most recent FEMA disaster declaration affecting ZIP 13470 was "COVID-19 PANDEMIC" — a biological declared in 2020 (DR-4480) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 13470?
2 colleges and universities are listed near ZIP 13470 by the U.S. Department of Education College Scorecard, including Suny Morrisville and Madison Oneida Boces-Practical Nursing Program (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 13470?
Median in-state tuition across 2 nearby institutions is $8,825 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 13470?
Graduates of nearby colleges earn a median of $42,232 ten years after entry (College Scorecard, retrieved May 2, 2026).
What is the climate like in ZIP 13470?
ZIP 13470 has an average annual temperature of 42.8°F and 47.6" of annual precipitation based on the COOPERSTOWN, NY US weather station 36.5 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
What taxes apply in ZIP 13470?
New York has a graduated income tax with a top rate of 10.90%. Households at the local median AGI of $54,121 would pay roughly $3,540 in state income tax annually (estimated, before deductions). Combined sales tax: 8.54% (Tax Foundation 2025).
Does New York have paid family leave?
New York runs an active paid family leave program (Paid Family Leave) offering up to 26 weeks of paid leave per year, with a maximum weekly benefit of $1,229 (Bipartisan Policy Center 2026).
What data is available for ZIP 13470?
This page covers health outcomes from CDC PLACES (40 metrics), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, colleges from the U.S. Department of Education College Scorecard (2 institutions), income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (27 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
How current is this data?
Health data retrieved Apr 24, 2026 from CDC PLACES. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (27 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs near 13470
Nearby ZIPs by distance
13454 (Salisbury Center, 5.4 mi) · 12032 (Caroga Lake, 6.6 mi) · 13329 (Dolgeville, 7.3 mi) · 13452 (St. Johnsville, 11.6 mi) · 13365 (Little Falls, 12 mi) · 13406 (Middleville, 13.5 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
More Info topics
Have a specific question about ZIP 13470?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
53rd percentile
High Vulnerability
Based on 3 census tracts, population 1,738
Vulnerability Themes
Households Without Vehicle
42
Persons with Disability
280
Without HS Diploma
191
Without Health Insurance
90
Adults Age 65+
356
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.