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Area data

Locke, NY — ZIP 13092

Population: 2,689 (Census ACS)

The median home value in ZIP 13092 (Locke, NY) is $244,981 — up 3.0% over the past year. Homes sell for a median $215,000 after a median 61.5 days on market. FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Low, with icestorm, inlandflooding, strongwind the top-rated hazards. Cost of living is 15.5% above the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$244,981

Median home value

+3.0%

1-year change

61.5

Median days on market

Relatively Low

Hazard risk (county)

Home values & appreciation

Median home value
$244,981
1-year appreciation
+3.0%
3-year appreciation
+15.3%
5-year appreciation
+33.7%
10-year appreciation
+80.6%
All-time peak (2026-07)
$244,981
House Price Index (state)
420.6 (+5.3% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$215,000
Median list price
$274,900
Median price per sqft
$120
1-year sale-price change
-6.5%
Median days on market
61.5 days
Homes sold (recent period)
4
For-sale inventory
5
Sale-to-list ratio
98.3%
Active listings
8
1-year forecast
+3.2%

Source: recent area sales and market data (ZIP-level)

Rents

Studio fair-market rent
$1,102/mo
1BR fair-market rent
$1,377/mo
2BR fair-market rent
$1,681/mo
3BR fair-market rent
$2,185/mo
4BR fair-market rent
$2,521/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (High)
115.5 (100 = US avg)
Electricity rate (state-level)
26.4¢/kWh
Natural gas rate (state-level)
$17.60/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively Low
Top hazards (county)
iceStorm, inlandFlooding, strongWind, winterWeather
Notable hazard ratings (county)
drought: Relatively Low · hail: Relatively Low · heatWave: Relatively Low · hurricane: Relatively Low · iceStorm: Relatively High · inlandFlooding: Relatively Moderate
FEMA flood zone
A
Flood risk level
High
Wildfire risk to homes (county)
Higher than 4% of US counties
Buildings in wildfire direct-exposure zone
58.1%
Radon potential (county)
High radon potential — EPA Zone 1 of 3
EPA Superfund (NPL) sites within 5 mi
None
Nearest Superfund site
Rosen Brothers Scrap Yard/Dump (13.1 mi)
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Annual precipitation
43.8 in
USDA plant hardiness zone
5b (extreme annual low -15 to -10°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Walkability & transit

Walkability index
2.5 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
4,602
Jobs reachable by transit (45 min)
5,324

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

National parks within ~60 mi
2
Nearest national park
Harriet Tubman National Historical Park (19 mi)
National parks include
Harriet Tubman National Historical Park, Women's Rights National Historical Park
Airports within 30 mi
30
Nearest airport
Owasco Airport (7 mi)
Nearest major airport
Ithaca Tompkins Regional Airport (ITH) (12 mi)
Hospitals nearby (~15 mi)
2
Hospitals include
GUTHRIE CORTLAND REGIONAL MEDICAL CENTER, CAYUGA MEDICAL CENTER AT ITHACA
Avg hospital rating (CMS)
3.0 / 5
Best hospital rating nearby (CMS)
3.0 / 5
Solar radiation rating
Fair (3.7 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
-176 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,981
Housing built before 1970
38.8%
Housing built 2000 or later
19.2%
Median annual property tax
$3,665
Mean commute to work
21 min
Households with broadband internet
56.0%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
19,301
Average weekly wage
$1,042
Top industries (by employment)
Health Care, Accommodation & Food, Construction
Annual residential building permits (county)
75

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 13092State medianUS median
Median home value$244,981$332,036$289,727
Median sale price$215,000$363,950$325,000
Median days on market62 days55 days51 days
Median annual property tax$3,665$4,500$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 13092?
$244,981.
What is the median sale price in ZIP 13092?
$215,000.
How long do homes take to sell in ZIP 13092?
Median days on market: 61.5 days.
What is typical rent in ZIP 13092?
2-bedroom fair-market rent: $1,681/month (HUD FMR — a 40th-percentile regulatory reference, not market-observed).
What is the natural-hazard risk in ZIP 13092?
Overall risk: Relatively Low (FEMA NRI, county-level). Top hazards: iceStorm, inlandFlooding, strongWind, winterWeather.
Is ZIP 13092 in a flood zone?
High (FEMA NFIP). FEMA flood zone A.
What is the wildfire risk in ZIP 13092?
Risk to homes is higher than 4% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 13092?
High radon potential — EPA Zone 1 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 13092?
No current or proposed National Priorities List sites within 5 miles (EPA).
Is ZIP 13092 walkable?
Walkability index: 2.5/20 (EPA Smart Location Database).
What is the cost of living in ZIP 13092?
Regional Price Parity: 115.5 (100 = US average) (High) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Sep 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents