Median Income
$46,023
39% lower than US avg
Home Value
$112,500
60% lower than US avg
Violent Crime
329/100K
13% 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%
Veterans9.1%
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
Ownership70.3%
Zillow$174,080
Housing Units976
Rent Burden33.5%
Crime
F
Violent329/100K
Property3,951/100K
Health
Obesity34.4%
Uninsured6.8%
Smoking15.5%
Depression23.2%
Heart Disease5.6%
Climate
Avg Temp48°F (9°C)
AQI36 (Good)
Rain46.0 in/yr
Sunny Days246/yr
Elevation1,001 ft (305 m)
Education
D
Bachelor's+12.2%
High School+94.6%
Graduate+4.0%
School Score5.45
Community
2024 VoteR 50% / D 50%
Commute22 min
Broadband88.4%
EV Stations3
Libraries9
Is Deposit a Good Place to Live?
Based on current data, Deposit receives an overall livability score of 2.7 out of 5.0, earning a grade of C+. Key strengths include low unemployment, affordable housing, abundant sunshine, high health insurance coverage. Areas to be aware of include an elevated poverty rate, below-average incomes. Deposit has some notable strengths but also faces challenges that prospective residents should consider.
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.
Safety & Crime
Violent crime in Deposit is below the national average at 329 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 3,951 per 100,000, 102% above the national average.
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 5.5/10.
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. The area gets 246 sunny days per year. 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, spread across 1.3 square miles. The median age is 45.9 years, 18% older than the national median of 38.9. The gender split is 57.1% female and 42.9% male. The city is predominantly White (92.9%), with 1.1% Black. English is the primary language spoken at home by 94.7% of residents, while 5.3% speak Spanish. 9.1% of the population are veterans, above the national rate of 6.0%. 19.1% of residents have a disability (above the 13.0% national average). 94.9% have health insurance coverage.
Population
45.9yrs
Median Age
18% above US avg
Language Spoken at Home
English Only
94.7%
21% above US avg
Spanish
5.3%
60% below US avg
The median household income in Deposit is $46,023, which is 39% below the national average of $75,149. Per capita income is $29,605 (below the $39,052 national figure). The average weekly wage is $1,181, 18% lower than the U.S. average. The unemployment rate is 2.1% (below the 3.6% US average). 23.0% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 4,376 business establishments, including 504 restaurants. The cost of living index is 107.9, slightly above the national baseline of 100. Workers commute an average of 22 minutes (shorter than the 28-minute US average). 10.7% of workers work from home (below the 15.2% national rate).
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 |
| Gini Index | 0.479 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 2.1% |
| 42% below US avg |
| Poverty Rate | 23.0% |
| 85% above US avg |
| Establishments (County) | 4,376 |
| County GDP | $12,159M |
Business (County)
| Restaurants | 504 |
| Healthcare | 494 |
| Retail | 617 |
| Manufacturing | 152 |
Tax & Cost of Living
| Property Tax (IRS) | $7,950 |
| 127% above US avg |
| Cost of Living | 107.90 (100=avg) |
| Effective Tax Rate | 7.07% |
Commute & Transportation
| Commute Time | 22.4 min |
| Drive Alone | 72.8% |
| Public Transit | 0.0% |
| Work from Home | 10.7% |
The median home value in Deposit is $112,500, 60% below the national median of $281,900. Zillow estimates the typical home value at $174,080, higher than the Census estimate. Homes sell for 92.6% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $583 (50% below the national average of $1,163). Fair market rent ranges from $1,315 for a one-bedroom to $1,579 for a two-bedroom apartment. 70.3% of housing units are owner-occupied. There are 976 total housing units in the city. The median year a home was built is 1938. The average annual property tax is $7,950 (higher than the $3,500 national average). 33.5% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.4x, well within the affordable range.
Home Values
| Census Median | $112,500 |
| 60% below US avg |
| Zillow ZHVI | $174,080 |
Real Estate Market (Redfin)
| $/Sq Ft | $69 |
| Homes Sold | 2 |
| Sale-to-List Ratio | 92.6% |
| Price Drops | 25.0% |
| Inventory | 4 |
Rental Costs
| Census Median Rent | $583 |
| 50% below US avg |
| Rent Burden | 33.5% |
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
| Homeownership | 70.3% |
| Owner-Occupied | 70.3% |
| Renter-Occupied | 29.7% |
| Housing Units | 976 |
| Median Year Built | 1938 |
Property Tax
| Avg Tax (IRS) | $7,950 |
| 127% above US avg |
| Effective Rate | 7.07% |
In Deposit, 34.4% of adults are obese, above the national rate of 32.1%. 9.0% have diabetes. Heart disease affects 5.6% of residents. 31.2% have high blood pressure. 15.5% are current smokers. 18.9% report binge drinking. 25.1% are physically inactive. 23.2% report depression (above the 20.0% national average). 18.9% experience frequent mental distress. 6.8% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:1,273. The dentist ratio is 1:1,449. 85.7% of residents have access to exercise opportunities. The food environment index is 7.9 out of 10.
Health Metrics: Deposit vs U.S. Average (%)
Chronic Conditions
| Obesity | 34.4% |
| 7% above US avg |
| Diabetes | 9.0% |
| Heart Disease | 5.6% |
| High Blood Pressure | 31.2% |
| Asthma | 12.0% |
| COPD | 7.0% |
| Cancer | 7.4% |
| Stroke | 3.1% |
Behaviors & Mental Health
| Smoking | 15.5% |
| 11% above US avg |
| Binge Drinking | 18.9% |
| Physical Inactivity | 25.1% |
| Depression | 23.2% |
| Mental Distress | 18.9% |
| Physical Distress | 13.6% |
| Short Sleep | 39.4% |
Healthcare Access
| Insurance Rate | 94.9% |
| Uninsured | 6.8% |
| 21% below US avg |
| Primary Care | 1:1,273 |
| Dentists | 1:1,449 |
| Mental Health | 1:379 |
| Checkup Rate | 78.6% |
| Dental Visits | 59.7% |
| Premature Death | 9,128/100K |
Food & Exercise
| Food Environment | 7.9/10 |
| Exercise Access | 85.7% |
| Healthcare Facilities | 494 |
Deposit has a violent crime rate of 329 per 100,000 residents, 13% below the national average of 380. Property crime stands at 3,951 per 100,000, 102% above the U.S. average. The county recorded 12 fatal traffic crashes. Overall, Deposit receives a safety grade of F.
Crime Rates: Deposit vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 329.3/100K |
| 13% below US avg |
| |
Property Crime
| Total Property | 3,951.3/100K |
| 102% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 12 |
| Traffic Accidents | 39 |
| Avg Accident Severity | 2.1 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Deposit experiences four distinct seasons with an average annual temperature of 48°F (9°C). Winters average 24°F in January while summers reach 71°F in July. The area gets 246 sunny days per year, above the national average. Annual precipitation totals 46.0 inches (wetter than the 38-inch national average). Air quality is rated Good with a median AQI of 36. The city sits at an elevation of 1,001 feet.
Temperature
24°F Jan (-4°C)
71°F Jul (21°C)
| Annual Average | 48.2°F |
| 11% below US avg |
| January Average | 24°F (-4°C) |
| July Average | 71°F (21°C) |
| Sunny Days | 246 days/yr |
Geography
| Elevation | 1,001 ft (305 m) |
| Area | 1.3 sq mi (3.4 km²) |
| Population Density | 1,067/sq mi |
| Coordinates | 42.0642°N, 75.4229°W |
| Timezone | America/New_York |
| County | Broome County County |
| Nearest Airport | Albert S Nader Regional (ONH)
37 miles away |
Precipitation & Snow
Annual Rainfall
46.0"
21% above US avg
Wettest Month (Jun)
4.17"
Air Quality
| AQI Median | 36.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Moderate |
| Risk Score | 87.5 / 100 |
| Social Vulnerability | 57.4 / 100 |
| Community Resilience | 80.3 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Relatively Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Moderate |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively High |
| Lightning |
Relatively High |
| Ice Storm |
Relatively Moderate |
| Drought |
No Rating |
| Cold Wave |
Relatively Moderate |
| Landslide |
Relatively Low |
| Avalanche |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
15 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.0. Most recent: M2.8 on Jun 10, 2025.
| Jun 17, 1991 |
7 km NE of Worcester, New York |
M4.0 |
88 km |
| Dec 13, 2009 |
15 km N of Medusa, New York |
M3.2 |
122 km |
| Jul 24, 2007 |
12 km SSW of Altamont, New York |
M3.1 |
123 km |
| May 18, 2009 |
15 km N of Medusa, New York |
M3.1 |
122 km |
| Oct 21, 2009 |
15 km N of Medusa, New York |
M2.9 |
122 km |
| Jun 10, 2025 |
10 km NW of Forksville, Pennsylvania |
M2.8 |
118 km |
| Mar 22, 2009 |
9 km SW of Altamont, New York |
M2.8 |
125 km |
| Aug 27, 2011 |
5 km WSW of Altamont, New York |
M2.8 |
129 km |
| Aug 25, 2011 |
5 km WSW of Altamont, New York |
M2.7 |
129 km |
| Feb 18, 2009 |
15 km N of Medusa, New York |
M2.7 |
122 km |
| Feb 27, 2008 |
2 km SW of Central Bridge, New York |
M2.7 |
112 km |
| Feb 20, 2009 |
15 km SSW of Altamont, New York |
M2.7 |
123 km |
| Jul 24, 2007 |
13 km SSW of Altamont, New York |
M2.6 |
123 km |
| Dec 13, 2009 |
14 km N of Medusa, New York |
M2.6 |
122 km |
| Jan 15, 1992 |
5 km NNE of Tuxedo Park, New York |
M2.5 |
139 km |
Source: USGS (M2.5+, 1990–2025)
Hurricane History
1 hurricane (Cat 1+) within 500 km since 1980.
Strongest: Category 1. Most recent: Gloria (1985, Cat 1).
| Year |
Name |
Category |
Closest |
| 1985 |
Gloria |
Category 1 |
218 km |
Source: NOAA IBTrACS (Cat 1+, 1980–2026)
Tornado History
162 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF3. Total: 4 fatalities, 74 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jun 2, 1998 |
EF3 |
72 km |
2 |
| May 31, 1998 |
EF3 |
89 km |
0 |
| May 31, 1998 |
EF3 |
58 km |
0 |
| May 31, 1998 |
EF3 |
60 km |
0 |
| May 2, 1983 |
EF3 |
92 km |
0 |
| Apr 22, 2023 |
EF2 |
50 km |
0 |
| Jun 13, 2018 |
EF2 |
98 km |
0 |
| Feb 25, 2017 |
EF2 |
95 km |
0 |
| Apr 28, 2011 |
EF2 |
61 km |
0 |
| Jul 23, 2010 |
EF2 |
44 km |
0 |
| May 16, 2009 |
EF2 |
85 km |
0 |
| May 31, 1998 |
EF2 |
64 km |
0 |
| May 31, 1998 |
EF2 |
80 km |
0 |
| May 31, 1998 |
EF2 |
84 km |
0 |
| Sep 18, 1991 |
EF2 |
33 km |
0 |
| Oct 14, 1989 |
EF2 |
56 km |
2 |
| Aug 28, 1988 |
EF2 |
77 km |
0 |
| Oct 1, 1986 |
EF2 |
74 km |
0 |
| Jul 26, 1986 |
EF2 |
94 km |
0 |
| Sep 18, 1977 |
EF2 |
88 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
6 wildfires (100+ acres) within 100 km.
Largest: 16 MILE (7,896 ac, 2016).
| Year |
Name |
Acres |
Distance |
| 2016 |
16 MILE |
7,896 |
99 km |
| 2015 |
ROOSA GAP |
2,747 |
96 km |
| 2016 |
SAMS POINT FIRE-VERKEERDER FIRE |
1,929 |
99 km |
| 2006 |
CHERRYTOWN FIRE |
943 |
90 km |
| 2016 |
BEAR TOWN |
649 |
100 km |
| 2024 |
WHITEHOUSE |
607 |
83 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
24°F (-4°C) |
2.8 in |
|
| February |
22°F (-6°C) |
2.6 in |
Coldest, Driest |
| March |
31°F (-1°C) |
3.3 in |
|
| April |
42°F (6°C) |
3.7 in |
|
| May |
54°F (12°C) |
4.1 in |
|
| June |
62°F (17°C) |
4.2 in |
Wettest |
| July |
71°F (21°C) |
3.9 in |
Warmest |
| August |
66°F (19°C) |
3.9 in |
|
| September |
59°F (15°C) |
3.7 in |
|
| October |
48°F (9°C) |
3.5 in |
|
| November |
38°F (3°C) |
3.9 in |
|
| December |
27°F (-3°C) |
3.4 in |
|
Deposit has a seasonal temperature swing of 49°F / from 22°F in February to 71°F in July. Total annual precipitation is 42.9 inches, with June being the wettest month (4.2") and February the driest (2.6").
Average costs for common services in Deposit. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$270 ($162–$432) |
| Specialist Visit |
$378 ($216–$593) |
| Urgent Care Visit |
$216 ($108–$378) |
| Emergency Room Visit |
$2,374 ($863–$5,395) |
| Dental Cleaning |
$140 ($81–$216) |
| Dental Filling |
$270 ($162–$432) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$49 ($27–$81) |
| Oil Change (Synthetic) |
$81 ($54–$129) |
| Brake Pad Replacement |
$324 ($162–$540) |
| Tire Rotation |
$43 ($22–$81) |
| New Tires (Set of 4) |
$647 ($432–$1,079) |
| Battery Replacement |
$216 ($108–$378) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$108 ($65–$162) |
| Electrician (Per Hour) |
$97 ($54–$151) |
| HVAC Repair |
$432 ($162–$863) |
| HVAC System Install |
$7,553 ($4,316–$12,948) |
| Roof Repair |
$1,079 ($432–$2,158) |
| Roof Replacement |
$9,711 ($5,935–$16,185) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,619 ($540–$3,777) |
| Divorce (Contested) |
$16,185 ($5,395–$32,370) |
| DUI Defense |
$5,395 ($2,158–$10,790) |
| Bankruptcy (Chapter 7) |
$1,619 ($863–$3,237) |
| Will Preparation |
$540 ($216–$1,079) |
| Trust Preparation |
$2,698 ($1,079–$5,395) |
View all 12 services
Personal Care
| Men's Haircut |
$27 ($16–$49) |
| Women's Haircut |
$59 ($32–$108) |
| Hair Coloring (Full) |
$162 ($81–$270) |
| Manicure |
$27 ($16–$49) |
| Pedicure |
$43 ($27–$70) |
| Massage (1 Hour) |
$86 ($54–$140) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.42 ($3.24–$5.93) |
| Dozen Eggs (per dozen) |
$3.78 ($2.70–$5.40) |
| Loaf of Bread |
$4.10 ($2.70–$5.93) |
| Chicken Breast (per lb) |
$4.86 ($3.24–$7.01) |
| Ground Beef (per lb) |
$5.93 ($4.32–$8.09) |
| Rice (per lb) |
$1.08 ($0.65–$1.94) |
View all 20 services
Utilities
| Electricity (Monthly) |
$151 ($86–$270) |
| Natural Gas (Monthly) |
$76 ($32–$162) |
| Water/Sewer (Monthly) |
$76 ($43–$129) |
| Internet (Monthly) |
$76 ($43–$108) |
| Cell Phone Plan (Monthly) |
$70 ($32–$108) |
| Cable TV (Monthly) |
$92 ($54–$162) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$216 ($81–$540) |
| Car Insurance (Annual) |
$2,158 ($1,295–$3,777) |
| Bus Pass (Monthly) |
$76 ($32–$140) |
| Taxi/Uber (5-Mile Ride) |
$16 ($8.63–$27) |
| Car Registration (Annual) |
$108 ($32–$270) |
| Driver's License Renewal |
$32 ($16–$81) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,295 ($647–$2,698) |
| Daycare (Toddler, Monthly) |
$1,079 ($540–$2,158) |
| After-School Care (Monthly) |
$432 ($216–$755) |
| Tutoring (Per Hour) |
$54 ($27–$108) |
| SAT/ACT Prep Course |
$1,079 ($432–$2,698) |
| Private School (K-12, Annual) |
$13,488 ($5,395–$32,370) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$65 ($32–$108) |
| Dog Vaccination (Annual) |
$108 ($54–$216) |
| Dog Grooming |
$65 ($32–$108) |
| Pet Boarding (Per Night) |
$43 ($22–$81) |
| Dog Spay/Neuter |
$324 ($162–$540) |
| Cat Spay/Neuter |
$216 ($108–$432) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $1,070 |
| Toddler | $996 |
| Preschool | $866 |
| Family Childcare (monthly) |
| Infant | $823 |
| Toddler | $779 |
| Preschool | $758 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Deposit
What is the population of Deposit?
Deposit has a population of 1,345 residents and is located in New York. The population density is 1,067 people per square mile, spread across 1.3 square miles. The median age of residents is 45.9 years, which is older than the national median of 38.9 years. The population is 57.1% female and 42.9% male.
Is Deposit expensive to live in?
Deposit is slightly more expensive than average, with a cost of living index of 107.9 compared to the national baseline of 100. The median household income is $46,023, 39% below the national average of $75,149. The median home value is $112,500 (60% below the U.S. median). Renters pay a median of $583 per month, below the national average of $1,163. The home price-to-income ratio is 2.4x, indicating housing is reasonably affordable relative to local income levels.
Is Deposit safe?
Deposit is safer than the national average, with a violent crime rate of 329 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 3,951 per 100,000 (above the national average). Overall, Deposit receives a safety grade of F based on combined crime data.
What is the weather like in Deposit?
Deposit has a four-season climate with an average annual temperature of 48°F (9°C). Winter temperatures average 24°F in January, while summers reach an average of 71°F in July. The area receives 246 sunny days per year. Annual rainfall totals 46.0 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 36.
How is the job market in Deposit?
The job market in Deposit is very strong, with unemployment at just 2.1% / well below the national rate of 3.6%. The average weekly wage is $1,181. There are 4,376 business establishments in the area, including 504 restaurants and food service locations. The average commute time is 22 minutes, and 10.7% of workers work from home.
How much does housing cost in Deposit?
The median home value in Deposit is $112,500. Zillow estimates the typical home value at $174,080. For renters, the median monthly rent is $583. Fair market rent is $1,315 for a 1-bedroom and $1,579 for a 2-bedroom apartment. The homeownership rate is 70.3%. The average annual property tax is $7,950.
How are the schools in Deposit?
Schools in Deposit score 5.5 out of 10 on standardized testing, near the national average. 12.2% of adults in Deposit hold a bachelor's degree or higher, below the national average of 33.7%. 94.6% have completed high school. 4.0% hold a graduate or professional degree.
How healthy is Deposit?
The obesity rate in Deposit is 34.4% (above the national rate of 32.1%). 15.5% of adults are smokers. 25.1% are physically inactive. 23.2% of residents report depression. 6.8% lack health insurance (below the national rate). 85.7% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,273.
What is transportation like in Deposit?
The average commute in Deposit is 22 minutes, shorter than the national average of 28 minutes. 72.8% of workers drive alone to work, and 10.7% work from home.
What are the demographics of Deposit?
The racial and ethnic makeup of Deposit is 92.9% White, 1.1% Black or African American, 0.7% Hispanic or Latino. 94.7% of residents speak only English at home, while 5.3% speak Spanish. 9.1% of the population are military veterans. 19.1% of residents have a disability. 94.9% have health insurance coverage.
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