Estimated median household income in 2007: $44,994
| This zip code: | $44,994 | | New York: | $53,514 |
Nearest zip codes: 13111, 13074, 13143, 14590, 13033, 13126.
Housing units in zip code 13156 with a mortgage: 286 (10 second mortgage, 62 home equity loan, 0 both second mortgage and home equity loan)
Houses without a mortgage: 209
Median monthly owner costs for units with a mortgage: $1,149
Median monthly owner costs for units without a mortgage: $390
Residents with income below the poverty level in 2007:
| This zip code: | 6.2% | | Whole state: | 13.7% |
Residents with income below 50% of the poverty level in 2007:
| This zip code: | 2.6% | | Whole state: | 6.1% |
Median number of rooms in houses and condos:
| Here: | 6.1 | | State: | 6.3 |
Median number of rooms in apartments:
| Here: | 4.6 | | State: | 3.6 |
Year house built: |
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- 1999 to March 2000: 6
- 1995 to 1998: 52
- 1990 to 1994: 100
- 1980 to 1989: 198
- 1970 to 1979: 235
- 1960 to 1969: 110
- 1950 to 1959: 108
- 1940 to 1949: 110
- 1939 or earlier: 560
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Bedrooms in owner-occupied houses in Sterling, NY (13156): |
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- no bedroom: 0
- 1 bedrooms: 42
- 2 bedrooms: 198
- 3 bedrooms: 339
- 4 bedrooms: 149
- 5 or more bedrooms: 19
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Bedrooms in renter-occupied apartments and housing units: |
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- no bedroom: 0
- 1 bedrooms: 46
- 2 bedrooms: 57
- 3 bedrooms: 71
- 4 bedrooms: 7
- 5 or more bedrooms: 0
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Vehicles available in 13156 zip code in owner-occupied houses/condos: |
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- no vehicle: 42
- 1 vehicle: 203
- 2 vehicles: 348
- 3 vehicles: 130
- 4 vehicles: 16
- 5 or more vehicles: 8
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Vehicles available in renter-occupied apartments: |
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- no vehicle: 18
- 1 vehicle: 101
- 2 vehicles: 48
- 3 vehicles: 14
- 4 vehicles: 0
- 5 or more vehicles: 0
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Estimated household income distribution in 2007:

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Estimate of home value of owner-occupied houses/condos in 2007 in zip code 13156:
- Less than $10,000: 11
- $10,000 to $14,999: 5
- $15,000 to $19,999: 5
- $20,000 to $24,999: 4
- $25,000 to $29,999: 4
- $30,000 to $34,999: 10
- $35,000 to $39,999: 14
- $40,000 to $49,999: 16
- $50,000 to $59,999: 12
- $60,000 to $69,999: 12
- $70,000 to $79,999: 21
- $80,000 to $89,999: 39
- $90,000 to $99,999: 49
- $100,000 to $124,999: 123
- $125,000 to $149,999: 105
- $150,000 to $174,999: 80
- $175,000 to $199,999: 74
- $200,000 to $249,999: 69
- $250,000 to $299,999: 34
- $300,000 to $399,999: 24
- $400,000 to $499,999: 16
- $500,000 to $749,999: 24
- $750,000 to $999,999: 4
- $1,000,000 or more: 7
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Rent paid by renters in 2007 in zip code 13156:
- Less than $100: 6
- $100 to $149: 3
- $150 to $199: 1
- $250 to $299: 11
- $300 to $349: 11
- $350 to $399: 15
- $400 to $449: 28
- $450 to $499: 5
- $500 to $549: 3
- $550 to $599: 7
- $600 to $649: 1
- $800 to $899: 2
- No cash rent: 20
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Median price asked for vacant for-sale houses and condos in 2007: $105,352.
Estimated median house (or condo) value in 2007 for: - White Non-Hispanic householders: $145,807
- Some other race householders: $289,718
- Two or more races householders: $68,478
- Hispanic or Latino householders: $289,718
Estimated median house or condo value in 2007: $102,275 (it was $65,400 in 2000)
| 13156: | $102,275 | | New York: | $311,000 |
Lower value quartile - upper value quartile: $63,317 - $162,000
Mean price in 2007:
Detached houses: $174,692| Here: | $174,692 | | State: | $352,556 |
In 2-unit structures: $147,565| Here: | $147,565 | | State: | $482,362 |
Mobile homes: $31,815| Here: | $31,815 | | State: | $40,766 |
Occupied boats, RVs, vans, etc.: $5,000| Here: | $5,000 | | State: | $137,621 |
Owners and renters by unit type in %
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Breakdown of mean house values by ages of householders
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Housing units in structures:
- One, detached: 1,098
- One, attached: 13
- Two: 24
- 3 or 4: 12
- 10 to 19: 4
- 20 to 49: 35
- Mobile homes: 240
- Boats, RVs, vans, etc.: 53

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Means of transportation to work
- Drove a car alone: 791 (83%)
- Carpooled: 112 (12%)
- Taxi: 4 (0%)
- Motorcycle: 7 (1%)
- Walked: 18 (2%)
- Other means: 3 (0%)
- Worked at home: 20 (2%)
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Travel time to work
- Less than 5 minutes: 45
- 5 to 9 minutes: 78
- 10 to 14 minutes: 116
- 15 to 19 minutes: 102
- 20 to 24 minutes: 148
- 25 to 29 minutes: 31
- 30 to 34 minutes: 130
- 35 to 39 minutes: 53
- 40 to 44 minutes: 54
- 45 to 59 minutes: 128
- 60 to 89 minutes: 39
- 90 or more minutes: 11
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Percentage of zip code residents living and working in this county: 22.9%
Household type by relationship
Households: 2,203
- In family households: 1,863 (533 male householders, 110 female householders)
522 spouses, 593 children (544 natural, 16 adopted, 33 stepchildren), 19 grandchildren, 4 brothers or sisters, 9 parents, 13 other relatives, 60 non-relatives
- In nonfamily households: 340 (159 male householders (124 living alone)), 119 female householders (96 living alone)), 62 nonrelatives
- In group quarters: 4 (0 institutionalized population)
Size of family households: 331 2-persons, 121 3-persons, 126 4-persons, 46 5-persons, 19 6-persons.
Size of nonfamily households: 220 1-person, 58 2-persons.
397 married couples with children.
135 single-parent households (48 men, 87 women).
98.4% of residents of 13156 zip code speak English at home.
0.4% of residents speak Spanish at home (67% very well, 33% not well).
0.7% of residents speak other Indo-European language at home (87% very well, 13% not well).
0.1% of residents speak Asian or Pacific Island language at home (100% well).
0.4% of residents speak other language at home (100% very well).
Foreign born population: 19 (0.8%)
(47.4% of them are naturalized citizens)
| This zip code: | 0.8% | | Whole state: | 20.4% |
Most common places of birth for the foreign-born residents:
- Germany (21%)
- Ireland (16%)
- Hong Kong (16%)
- Guatemala (16%)
- United Kingdom (11%)
- France (11%)
- Korea (11%)
Year of entry for the foreign-born population |
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- 1995 to March 2000: 6
- 1990 to 1994: 0
- 1985 to 1989: 2
- 1980 to 1984: 0
- 1975 to 1979: 0
- 1970 to 1974: 2
- 1970 to 1974: 0
- 1965 to 1969: 9
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White population: 2,274
Black population: 2
American Indian population: 11
Asian population: 2
Native Hawaiian and Other Pacific Islander population: 0
Some other race population: 5
Two or more races population: 19

First ancestries reported:
|  English: 352 |
|  German: 219 |
|  United States or American: 191 |
|  Irish: 153 |
|  French (except Basque): 85 |
|  Italian: 71 |
|  Dutch: 52 |
|  Polish: 50 |
|  Ukrainian: 43 |
|  French Canadian: 43 |
|  Greek: 36 |
|  Other groups: 36 |
|  Scottish: 33 |
|  European: 30 |
|  Canadian: 26 |
|  Slovak: 19 |
|  Scotch-Irish: 16 |
|  Swedish: 15 |
|  British: 13 |
|  Welsh: 10 |
|  Norwegian: 8 |
|  Arab:: 6 |
|  Estonian: 5 |
|  Jordanian: 4 |
|  Portuguese: 3 |
|  Armenian: 2 |
|  Northern European: 2 |
|  Pennsylvania German: 2 |
|  Lebanese: 2 |
|  Russian: 2 |
|  Hungarian: 2 |
|  Danish: 2 |
Median worth of mobile homes: $37,993
Housing units lacking complete plumbing facilities: 5%
Housing units lacking complete kitchen facilities: 5%
Most commonly used house heating fuel: |
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- Fuel oil, kerosene, etc. (44%)
- Bottled, tank, or LP gas (35%)
- Wood (11%)
- Electricity (8%)
- Other fuel (2%)
- Utility gas (1%)
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Place of birth for U.S.-born residents:
- This state: 1884
- Northeast: 124
- Midwest: 66
- South: 54
- West: 34
66% of the 13156 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 44% lived in this county.
Out of people who lived in different counties, 74% lived in New York.
Population in 1990: 2,252. Population change in the 1990s: +61 (+2.7%).
Year Householders Moved Into Unit:
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 11
| Here: | 4.8% | | New York: | 14.0% |
Students in private schools in grades 9 to 12 (high school): 10
| Here: | 9.1% | | New York: | 13.2% |
Students in private undergraduate colleges: 15
| Here: | 26.3% | | New York: | 38.2% |
School Enrollment by Level of School
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Top industries in this zip code by the number of employees in 2005:
- Administrative and Support and Waste Management and Remediation Services: Office Administrative Services (20-49 employees: 1 establishment)
- Arts, Entertainment, and Recreation: Promoters of Performing Arts, Sports, and Similar Events without Facilities (5-9: 1)
- Construction: Siding Contractors (5-9: 1)
- Construction: New Single-Family Housing Construction (except Operative Builders) (1-4: 3)
- Construction: Site Preparation Contractors (1-4: 2)
- Wholesale Trade: Sporting and Recreational Goods and Supplies Merchant Wholesalers (1-4: 2)
- Accommodation and Food Services: Food Service Contractors (1-4: 1)
- Other Services (except Public Administration): General Automotive Repair (1-4: 1)
- Administrative and Support and Waste Management and Remediation Services: All Other Miscellaneous Waste Management Services (1-4: 1)
- Other Services (except Public Administration): Cemeteries and Crematories (1-4: 1)
Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)
Age and Sex of Physically-Disabled Residents (Noninstitutionalized)
Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)
Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)
Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)
Age and Sex of Residents with Employment Disability (Noninst.)
4 people in other group homes
Home Mortgage Disclosure Act Aggregated Statistics For Year 2003 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 5 | $86,552 | 28 | $88,601 | 96 | $73,138 | 28 | $12,838 | 8 | $103,850 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $109,540 | 7 | $87,279 | 18 | $66,212 | 7 | $16,420 | 1 | $111,850 |
| APPLICATIONS DENIED | 1 | $52,460 | 13 | $64,323 | 50 | $62,946 | 23 | $12,510 | 1 | $23,140 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $8,490 | 56 | $77,429 | 2 | $62,485 | 1 | $50,140 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 4 | $68,848 | 1 | $20,060 | 0 | $0 |
Aggregated Statistics For Year 2002 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 12 | $62,227 | 33 | $86,444 | 69 | $69,963 | 22 | $8,731 | 6 | $80,740 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $30,860 | 0 | $0 | 13 | $67,052 | 7 | $19,064 | 1 | $64,800 |
| APPLICATIONS DENIED | 2 | $34,715 | 17 | $53,589 | 62 | $63,865 | 16 | $15,814 | 5 | $60,940 |
| APPLICATIONS WITHDRAWN | 2 | $65,570 | 5 | $78,992 | 32 | $68,076 | 3 | $19,800 | 2 | $127,280 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $41,660 | 1 | $40,110 | 7 | $68,434 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2001 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 7 | $65,459 | 38 | $71,842 | 60 | $67,729 | 25 | $14,533 | 12 | $70,840 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 15 | $62,586 | 12 | $66,469 | 1 | $1,540 | 1 | $71,740 |
| APPLICATIONS DENIED | 0 | $0 | 27 | $59,941 | 69 | $55,910 | 22 | $14,166 | 5 | $39,958 |
| APPLICATIONS WITHDRAWN | 2 | $66,340 | 5 | $69,888 | 25 | $63,409 | 8 | $24,589 | 3 | $45,513 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 3 | $41,913 | 1 | $10,030 | 0 | $0 |
Aggregated Statistics For Year 2000 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 9 | $54,341 | 28 | $64,632 | 24 | $52,102 | 27 | $18,571 | 5 | $61,866 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $37,030 | 18 | $47,098 | 12 | $58,498 | 8 | $10,993 | 2 | $29,700 |
| APPLICATIONS DENIED | 0 | $0 | 42 | $44,851 | 49 | $48,913 | 19 | $25,741 | 1 | $47,060 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 7 | $71,189 | 19 | $53,064 | 2 | $25,070 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 2 | $64,410 | 2 | $17,355 | 1 | $43,200 |
Aggregated Statistics For Year 1999 (Based on 1 partial tract)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 3 | $71,823 | 15 | $61,446 | 26 | $59,619 | 13 | $12,475 | 2 | $69,205 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 9 | $49,587 | 7 | $49,020 | 3 | $8,690 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 19 | $49,297 | 21 | $52,873 | 9 | $14,441 | 1 | $13,800 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 3 | $54,187 | 17 | $59,585 | 2 | $30,095 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 5 | $69,626 | 0 | $0 | 0 | $0 |
See detailed HMDA statistics for the following Tracts:
0401.00
Private Mortgage Insurance Companies Aggregated Statistics For Year 2003 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 10 | $80,611 | 11 | $88,010 | 1 | $97,970 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 4 | $97,968 | 2 | $47,440 | 0 | $0 |
| APPLICATIONS DENIED | 1 | $67,110 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2002 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 9 | $124,624 | 10 | $93,648 | 1 | $121,880 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $119,180 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2001 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
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| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 2 | $50,910 | 5 | $70,352 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 1 | $81,770 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $168,940 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2000 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans |
| Number | Average Value |
| LOANS ORIGINATED | 5 | $80,226 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 |
Aggregated Statistics For Year 1999 (Based on 1 partial tract)
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| A) Conventional Home Purchase Loans | B) Refinancings
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| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 3 | $79,237 | 2 | $72,655 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 1 | $111,570 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
See detailed PMIC statistics for the following Tracts:
0401.00
Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
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