The story of this market
The typical home in ZIP 13490 sells for about $385,000, or $185 per square foot.
Prices are up +4.2% from a year ago, so sellers still have some momentum. Homes take about 42 days to sell. HUD's fair market rent for a two-bedroom is $1,650 a month.
ZIP 13490 — Westmoreland
The housing market in 13490 remains stable with low inventory and steady demand from buyers seeking high-income, rural-suburban living. Prices continue to appreciate at a moderate pace, supported by the area's strong school district and relative affordability compared to larger national markets. Limited supply remains the primary driver of current market conditions.
This ZIP is ideal for families and professionals who prioritize space, privacy, and high-performing schools over urban density, and who are comfortable with a short commute to the Utica-Rome metro area.
Median prices moved up 4.2% year over year.
Homes spend a median of 42 days on market with 3.6 months of supply — a fast-moving market.
12% of listings have cut prices · homes sell at 98.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 0.0% · poverty 0.0% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.7%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 4.6%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 13490, Oneida County NY
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Crime rates in Westmoreland are consistently reported as significantly lower than the New York state and national averages, reflecting a quiet, rural-suburban character.
Schools serving the area are part of the Westmoreland Central School District, which generally maintains high performance ratings and a strong reputation for academic outcomes within Oneida County.
The area faces standard regional risks including heavy winter snowfall and occasional localized flooding near creek beds, with property insurance premiums trending upward due to broader state-wide climate risk adjustments.
Economic momentum is driven by proximity to the Utica-Rome employment corridor, with ongoing infrastructure maintenance and steady residential development catering to professionals seeking a rural lifestyle with commute access.
Property taxes are levied by the town, county, and school district, with the school district portion representing the largest share of the total tax burden; exemptions for veterans and seniors are available through the local assessor's office.
Residents primarily commute by car to employment hubs in Utica and Rome, typically via NY-233 and NY-5, with average commute times reflecting a semi-rural distance to major office and industrial parks.
The area features access to local parks, rural trails, and proximity to the Mohawk River valley for outdoor activities, with major shopping and dining options located approximately 10-15 minutes away in nearby suburban centers.
The rental market is limited in depth, consisting primarily of single-family homes or small multi-family units, with low vacancy pressure and stable rent growth.
The economy is anchored by the broader Utica-Rome manufacturing, healthcare, and education sectors, with many residents commuting to major employers like Mohawk Valley Health System and local higher education institutions.
Transportation is almost exclusively automobile-dependent, with regional connectivity provided by NY-5 and proximity to the New York State Thruway (I-90) interchanges.
Development is focused on small-scale residential infill and commercial improvements along the main highway corridors, with strict zoning to preserve the rural character of the town.
The Oneida County assessment regime utilizes a town-based assessment system with periodic revaluations to ensure tax equity across the county's diverse municipalities.
Parcels are subject to Westmoreland Central School District taxes and various county-level special districts for fire protection and emergency services.
Property insurance markets are stable but sensitive to regional weather events, with premiums reflecting the area's exposure to heavy winter precipitation.
New York is a judicial foreclosure state, requiring court intervention for all foreclosure proceedings, which typically results in longer timelines for lenders.
New York requires a comprehensive Property Condition Disclosure Statement from sellers, or a $500 credit to the buyer at closing in lieu of the disclosure.
Data retrieved from US Census Bureau ACS 5-year estimates for ZCTA 13490.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
- Sylvan Beach Amusement Park417.2 mi
- The Family Fun Factory4.56.4 mi
- Billy Beez Sangertown Square4.45.2 mi
- Cayo Industrial Horror Realm4.47.4 mi
- Fun Nation Action Park4.85.3 mi
- Turning Stone Resort Casino4.38.9 mi
- NBT Bank Arena at the Utica Memorial Auditorium4.69.3 mi
- The Stanley Theatre4.79.2 mi
- Chesterfield's Tavolo4.410 mi
- Utica-Rome Speedway4.65.2 mi
- Turning Stone Resort Casino4.38.9 mi
- Utica Zoo4.48.7 mi
- Marquee Cinema - New Hartford, NY4.25.2 mi
- The Stanley Theatre4.79.2 mi
- Fort Rickey Discovery Zoo4.611 mi
- International Boxing Hall of Fame4.716.8 mi
- Munson4.78.9 mi
- Oneida Community Mansion House4.69.8 mi
- Utica Children's Museum4.18.3 mi
- Ye Olde Landmark Tavern4.615.9 mi
- Sherrill Brook Park4.65.4 mi
- Bellamy Harbor Park4.47.4 mi
- Lock 20 State Canal Park4.57.1 mi
- Vernon National Shooting Preserve4.98 mi
- Oriskany Battlefield State Historic Site4.76 mi
- Frankfort Marina4.518 mi
- Snug Harbour4.417 mi
- Shenendoah4.78.7 mi
- Twin Ponds Golf & Country Club4.46.8 mi
- Stonebridge Golf & Country Club4.411.7 mi
- Barker Brook Golf Club4.711.4 mi
- The Bunker New Hartford4.65.1 mi
- Sangertown Square4.15.2 mi
- Kohl's4.25.1 mi
- North Star Orchards4.71 mi
- Runnings4.410.1 mi
- T.J. Maxx4.35.4 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Provides community sports fields and recreational space.
Scenic waterway offering local fishing and nature viewing.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.