Deposit, NY

New York · Metropolitan Area

Deposit is a small town in New York with a population of 1,345. Residents earn $46,023 per year, which is 39% below the national average.

3.3 /5.0
B Good
1,345 Population 1,067/sq mi density
$46,023 Median Income $29,605 per capita
$112,500 Home Value
$583 Median Rent
48°F Avg Temperature
B
Overall
3.3 / 5.0
Good overall score based on economy, affordability, safety and education
B
Economy
3.0 / 5.0
$46,023 median income, 2.1% unemployment
A+
Affordability
5.0 / 5.0
$112,500 home value, $583/mo rent
D
Education
2.0 / 5.0
12.2% bachelor's degree or higher
Median Income $46,023
39% lower than US avg
Home Value $112,500
60% lower than US avg
Bachelor's+ 12.2%
64% lower than US avg
Median Rent $583
50% lower than US avg
Obesity Rate 34.4%
7% higher than US avg
Unemployment 2.1%
42% lower than US avg
Poverty Rate 23.0%
85% higher than US avg

How Deposit Compares to the U.S. Average (100% = U.S. avg)

People

Population1,345
Median Age45.9 yrs
Density1,067/mi²
Male / Female43% / 57%
Largest GroupWhite 93%

Economy

B
Median Income$46,023
Per Capita$29,605
Unemployment2.1%
Poverty23.0%
County GDP$12,159M
Commute22 min

Housing

A+
Home Value$112,500
Rent$583
OwnershipN/A

Crime

ViolentN/A
PropertyN/A

Health

Obesity34.4%
UninsuredN/A
Depression23.2%
Heart Disease5.6%

Climate

Avg Temp48°F
AQI36 (Good)
Rain46.0 in/yr
Elevation1,001 ft

Education

D
Bachelor's+12.2%
High School+94.6%
School Score5.39

Community

2024 VoteR 50% / D 50%
Commute22 min
Libraries9

Is Deposit a Good Place to Live?

Based on current data, Deposit receives an overall livability score of 3.3 out of 5.0, earning a grade of B. Key strengths include low unemployment, affordable housing, high health insurance coverage. Areas to be aware of include an elevated poverty rate, below-average incomes. Deposit offers a solid quality of life with a good balance of affordability, safety, and opportunity.

Economy & Jobs

The median household income in Deposit is $46,023, 39% below the national average of $75,149. The job market is very strong with unemployment at just 2.1%. The poverty rate of 23.0% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 22 minutes.

Cost of Living & Housing

The median home value in Deposit is $112,500, 60% below the national median — offering relatively affordable homeownership. Renters pay a median of $583 per month, below the national average — a plus for affordability. At just 2.4x median income, home prices are very affordable relative to local earnings.

Education

12.2% of residents hold a bachelor's degree, below the national average of 33.7%. 94.6% have completed high school. Area schools have an average test score of 5.4/10.

Climate & Weather

Deposit experiences four distinct seasons with an average temperature of 48°F. Winters average 24°F in January while summers reach 71°F in July. Annual precipitation totals 46.0 inches. Air quality is rated Good with a median AQI of 36.

Deposit has a population of 1,345 with a density of 1,067 people per square mile. The median age is 45.9 years, 18% older than the national median of 38.9. The city is predominantly White (92.9%), with 1.1% Black.

Population

1,345
Total Population
1,067
People / sq mi
45.9yrs
Median Age
18% above US avg
1.3mi²
Land Area

Gender Distribution

Male 42.9%
Female 57.1%

Race & Ethnicity

Deposit vs U.S. Average

Language Spoken at Home

English Only94.7%
21% above US avg
Spanish5.3%
60% below US avg

Social Characteristics

Deposit vs U.S. Average

The median household income in Deposit is $46,023, which is 39% below the national average of $75,149. The unemployment rate is 2.1% (below the 3.6% US average). 23.0% of residents live below the poverty line. Workers commute an average of 22 minutes.

Income: Deposit vs U.S.

Commute Mode

Income

Median HH Income$46,023
39% below US avg
Per Capita Income$29,605
Avg Weekly Wage$1,181
IRS Avg AGI$68,184

Employment & Poverty

Unemployment2.1%
42% below US avg
Poverty Rate23.0%
85% above US avg
Establishments (County)4,376
County GDP$12,159M

Business (County)

Restaurants504
Healthcare494
Retail617
Manufacturing152

Tax & Cost of Living

Property Tax (IRS)$7,950
127% above US avg
Effective Tax Rate7.07%

Commute & Transportation

Commute Time22.4 min
Work from Home10.7%

Walkability

The median home value in Deposit is $112,500, 60% below the national average. Monthly rent averages $583 (50% below US avg).

Home Value Sources

Ownership Split

Home Values

Census Median$112,500
60% below US avg

Real Estate Market (Redfin)

$/Sq Ft$69
Homes Sold2
Sale-to-List Ratio92.6%
Price Drops25.0%
Inventory4

Rental Costs

Census Median Rent$583
50% below US avg

HUD Fair Market Rent

Studio$1,215
1 Bedroom$1,315
2 Bedrooms$1,579
3 Bedrooms$1,976
4 Bedrooms$2,193

Ownership & Property

Owner-Occupied70.3%

Property Tax

Avg Tax (IRS)$7,950
127% above US avg
Effective Rate7.07%
In Deposit, 34.4% of adults are obese (above the 32.1% national rate). 23.2% report depression. 25.1% are physically inactive.

Health Metrics: Deposit vs U.S. Average (%)

Chronic Conditions

Obesity34.4%
7% above US avg
Diabetes9.0%
Heart Disease5.6%
High Blood Pressure31.2%
Asthma12.0%
COPD7.0%
Stroke3.1%

Behaviors & Mental Health

Binge Drinking18.9%
Physical Inactivity25.1%
Depression23.2%
Mental Distress18.9%
Physical Distress13.6%

Healthcare Access

Insurance Rate94.9%
Checkup Rate78.6%
Premature Death9,128/100K

Food & Exercise

Food Environment7.9/10
Exercise Access85.7%
Healthcare Facilities494

Crime Rates: Deposit vs U.S. Average (per 100,000)

Violent Crime

Property Crime

Traffic Safety

Fatal Crashes (County/yr)12

Safety Score

Deposit has an average annual temperature of 48°F (9°C). Winters average 24°F in January while summers reach 71°F in July. Annual precipitation is 46.0 inches. Air quality is rated Good with a median AQI of 36.

Temperature

24°F Jan (-4°C) 71°F Jul (21°C)
Annual Average48.2°F
11% below US avg
January Average24°F (-4°C)
July Average71°F (21°C)

Precipitation & Snow

Annual Rainfall46.0 inches
21% above US avg

Air Quality

AQI Median36.0
RatingGood

Geography

Elevation1,001 ft (305 m)
Area1.3 sq mi (3.3 km²)
Population Density1,067/sq mi
Coordinates42.0642°N, 75.4229°W
County FIPS36007
It is classified as Metro — under 250K. 12.2% of residents hold a bachelor's degree or higher (64% below US avg). In the 2024 election, the county voted Democrat by a 0.4-point margin.

2024 Presidential Election (County)

R 49.8%
D 50.2%

Winner: Democrat by 0.4 points

Education

Bachelor's Degree+12.2%
64% below US avg
High School+94.6%
School Test Score5.39
D Education Grade (2.0/5.0)

Urban-Rural Classification

RUCC Code 3Metro — under 250K
Population Density1,067/sq mi
Total Area1.3 sq mi

Infrastructure & Services

Public Libraries9
Healthcare Facilities494
Restaurants504
Retail Stores617

Safety & Disasters

Fatal Crashes (County/yr)12

Commute & Transportation

Avg Commute22.4 min
Work from Home10.7%

Nearby Cities

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