Median home value in zip code 13321 (Clark Mills, NY) is $184,166, up 2.6% year over year. Part of the Utica-Rome, NY metropolitan area.

Home Value$184,166

YoY Change

+2.6%

Prices rising — worse for buyers.

Affordability

Enter your income for 13321 (Clark Mills).

Income (annual)

Down Payment

$36,833 on $184,166

Example: $75,000 household income. Change it above to see your own.

Affordable21.5% of income

Under the 28% guideline.

PITI$1,345

P/I21.5%

Afford$240K

Room+$55K

P&I $931Tax $264Ins $150

6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

13321 is part of the Utica-Rome, NY metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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