Median home value in zip code 13324 (Cold Brook, NY) is $164,956, up 2.4% year over year. Part of the Utica-Rome, NY metropolitan area.

Home Value$164,956

YoY Change

+2.4%

Prices rising — worse for buyers.

Affordability

Enter your income for 13324 (Cold Brook).

Income (annual)

Down Payment

$32,991 on $164,956

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

Affordable19.5% of income

Under the 28% guideline.

PITI$1,221

P/I19.5%

Afford$236K

Room+$71K

P&I $834Tax $236Ins $150

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

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

Metro Analysis

13324 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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