Median home value in zip code 13431 (Poland, NY) is $239,227, up 1.7% year over year. Part of the Utica-Rome, NY metropolitan area.

Home Value$239,227

YoY Change

+1.7%

Prices rising — worse for buyers.

Affordability

Enter your income for 13431 (Poland).

Income (annual)

Down Payment

$47,845 on $239,227

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

Affordable27.2% of income

Under the 28% guideline.

PITI$1,703

P/I27.2%

Afford$246K

Room+$7K

P&I $1,210Tax $343Ins $150

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

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

Metro Analysis

13431 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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