Best Places13640, NY Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 13640, scored on 40 measures of daily life and ranked to fit what matters to you. Local pay runs high here, and housing takes the biggest bite out of it. To work out which city fits you best, start with the best places to live tool.
13640 ranks 10,978th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on civic engagement by a wide margin, and crime is the weak spot.
The best neighborhoods in 13640
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
13640's strengths and weaknesses
Where 13640 ranks high
- Voter turnoutBetter than 98% of zip codes
- Short commute14.4 minutes each way, better than 97% of zip codes
- Healthcare accessBetter than 95% of zip codes
- School gradeA, better than 94% of zip codes
- Educational attainmentBetter than 94% of zip codes
Where 13640 ranks low
- Crime safetyBetter than only 4% of zip codes
- Low vacancyBetter than only 8% of zip codes
- State infrastructureBetter than only 18% of zip codes
- Low income/sales/gas taxBetter than only 18% of zip codes
- Cheap car insuranceBetter than only 18% of zip codes
What it costs to buy a home in 13640
A household needs to earn about $105,000 a year to comfortably buy the median 13640 home, at 20% down and today's 30-year rate. That is below the area's own median income of $121,213, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 13640's effective rate of 1.23%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices and rents, renting stays cheaper than buying across the first 10 years here, so the case for buying rests on staying much longer or on prices rising faster than assumed. The chart tracks the running cost of each.
Who lives in 13640
13640 runs older than the country, and households here run smaller than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 13640.
Who works in 13640, and how
Work in 13640 centers on retail trade and health care & social. Unemployment is close to the national rate, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 67%
- Work from home 28%
- Transit, walk, or bike 5%
Life in 13640
13640 has more restaurants and bars per resident than 99% of zip codes and more parkland per resident than 99% of zip codes. Dining, parks, and nightlife concentrates in some parts of 13640 and thins out in others, which the map shows.
What the weather is like in 13640, month by month
13640 sees roughly 73 pleasant days a year. July highs average about 83 degrees. January highs sit near 31, with lows near 14. The comfortable stretch runs May through September.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 31° | 22° | 14° |
| April | 56° | 44° | 33° |
| July | 83° | 72° | 61° |
| October | 63° | 51° | 41° |
Flying in and out of 13640
The nearest airport, Watertown International, is about 23 miles away and is a small airport. The nearest major hub is Bradley International, about 234 miles away.
The best schools in and around 13640
Schools across 13640 average an A, better than 94% of zip codes.
Top elementary schools
- Guardino Elementary SchoolA · 68% proficient
- Alexandria Central Elementary SchoolA · 65% proficient
Top middle schools
- Thousand Islands Middle SchoolA · 60% proficient
Top high schools
- Thousand Islands High SchoolA+ · 90% proficient
- Alexandria Central High SchoolA · 70% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 13640 school and its grade on SchoolGrade.
13640 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 13640 against the other 33,109 zip codes.
Common questions about living in 13640
Is 13640 a good place to live?
Using BestNeighborhood's default rankings, 13640 ranks 10,978th of 33,110 zip codes. It scores highest on civic engagement, short commutes, and health care access, and lowest on crime and empty homes. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 13640 expensive to live in?
The median home is worth $378,061. The overall cost of living runs about 14% above the national average. Set against a $121,213 median income, cost of living beats 86% of zip codes.
Is 13640 safe?
13640 is safer than 4% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $911 per resident a year.
Compare 13640 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 13640. Scores are absolute rather than ranked, which means a 60 in 13640 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
13640 detail on BestNeighborhood maps:
- Walk Grade for 13640: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 13640: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 13640: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 13640: carrier by carrier coverage behind the cell score.
13640 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.