ZIP Code 13647

With a per-capita income of $23,788, ZIP code 13647 sits in working-class territory, well below what more prosperous parts of New York command. That earnings level shapes daily life in and around Potsdam, where money stretches less far than the income figure alone might imply. Property taxes in this county run at an effective rate of 2.33%, a meaningful pull on household finances given the income base. Add an 8.00% combined sales tax on purchases, and the cumulative cost of living here leans heavily on wage earners.