Median Income
$80,000
6% higher than US avg
Home Value
$187,100
34% lower than US avg
Violent Crime
186/100K
51% lower than US avg
Bachelor's+
36.8%
9% higher than US avg
Median Rent
$785
33% lower than US avg
Obesity Rate
32.0%
0% lower than US avg
Unemployment
6.1%
69% higher than US avg
Poverty Rate
8.0%
35% lower than US avg
How Franklin Compares to the U.S. Average (100% = U.S. avg)
People
Population413
Median Age43.7 yrs
Density1,215/mi²
Male / Female62% / 38%
Largest GroupWhite 84%
Veterans7.3%
Economy
B+
Median Income$80,000
Per Capita$51,118
Unemployment6.1%
Poverty8.0%
County GDP$3,518M
Commute27 min
Housing
A+
Home Value$187,100
Rent$785
Ownership62.0%
Zillow$179,512
Housing Units213
Rent Burden26.0%
Crime
F
Violent186/100K
Property1,776/100K
Health
Obesity32.0%
Uninsured6.1%
Smoking14.2%
Depression22.2%
Heart Disease5.3%
Climate
Avg Temp46°F (8°C)
AQI36 (Good)
Rain45.3 in/yr
Sunny Days246/yr
Elevation1,236 ft (377 m)
Education
B+
Bachelor's+36.8%
High School+96.0%
Graduate+21.9%
School Score4.50
Community
2024 VoteR 54% / D 46%
Commute27 min
Broadband94.0%
EV Stations17
Libraries13
Is Franklin a Good Place to Live?
Based on current data, Franklin receives an overall livability score of 3.4 out of 5.0, earning a grade of B. Key strengths include low crime rates, affordable housing, abundant sunshine, a low poverty rate. Areas to be aware of include above-average unemployment. Franklin offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Franklin is $80,000, roughly in line with the national average of $75,149. The unemployment rate of 6.1% is somewhat elevated compared to the national rate of 3.6%. 8.0% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 27 minutes.
Cost of Living & Housing
The median home value in Franklin is $187,100, 34% below the national median / offering relatively affordable homeownership. Renters pay a median of $785 per month, below the national average / a plus for affordability. At just 2.3x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Franklin is below the national average at 186 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 1,776 per 100,000, near the national average.
Education
Educational attainment is solid, with 36.8% holding a bachelor's degree or higher, near the national average. 96.0% have completed high school. Area schools have an average test score of 4.5/10.
Climate & Weather
Franklin experiences four distinct seasons with an average temperature of 46°F. Winters average 22°F in January while summers reach 69°F in July. The area gets 246 sunny days per year. Annual precipitation totals 45.3 inches. Air quality is rated Good with a median AQI of 36.
Franklin has a population of 413 with a density of 1,215 people per square mile, spread across 0.4 square miles. The median age is 43.7 years, 12% older than the national median of 38.9. The gender split is 38.3% female and 61.7% male. The city is predominantly White (83.5%). English is the primary language spoken at home by 95.7% of residents. 7.3% of the population are veterans, above the national rate of 6.0%. 24.2% of residents have a disability (above the 13.0% national average). 91.4% have health insurance coverage.
Population
43.7yrs
Median Age
12% above US avg
Language Spoken at Home
English Only
95.7%
22% above US avg
Spanish
4.3%
68% below US avg
The median household income in Franklin is $80,000, which is 6% above the national average of $75,149. Per capita income is $51,118 (above the $39,052 national figure). The average weekly wage is $1,160, 19% lower than the U.S. average. The unemployment rate is 6.1% (above the 3.6% US average). 8.0% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 1,538 business establishments, including 190 restaurants. The cost of living index is 107.9, slightly above the national baseline of 100. Workers commute an average of 27 minutes. 26.1% of workers work from home (above the 15.2% national rate).
Income
| Median HH Income | $80,000 |
| 6% above US avg |
| Per Capita Income | $51,118 |
| Avg Weekly Wage | $1,160 |
| IRS Avg AGI | $67,606 |
| Gini Index | 0.454 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 6.1% |
| 69% above US avg |
| Poverty Rate | 8.0% |
| 35% below US avg |
| Establishments (County) | 1,538 |
| County GDP | $3,518M |
Business (County)
| Restaurants | 190 |
| Healthcare | 156 |
| Retail | 243 |
| Manufacturing | 56 |
Tax & Cost of Living
| Property Tax (IRS) | $7,079 |
| 102% above US avg |
| Cost of Living | 107.90 (100=avg) |
| Effective Tax Rate | 3.78% |
Commute & Transportation
| Commute Time | 27.2 min |
| Drive Alone | 58.3% |
| Public Transit | 2.8% |
| Work from Home | 26.1% |
The median home value in Franklin is $187,100, 34% below the national median of $281,900. Zillow estimates the typical home value at $179,512. Homes sell for 94.1% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $785 (33% below the national average of $1,163). Fair market rent ranges from $862 for a one-bedroom to $1,044 for a two-bedroom apartment. 62.0% of housing units are owner-occupied. There are 213 total housing units in the city. The median year a home was built is 1938. The average annual property tax is $7,079 (higher than the $3,500 national average). 26.0% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.3x, well within the affordable range.
Home Values
| Census Median | $187,100 |
| 34% below US avg |
| Zillow ZHVI | $179,512 |
| Median List Price | $279,000 |
Real Estate Market (Redfin)
| Median List Price | $279,000 |
| $/Sq Ft | $290 |
| Homes Sold | 5 |
| Sale-to-List Ratio | 94.1% |
| Price Drops | 0.0% |
| Inventory | 4 |
Rental Costs
| Census Median Rent | $785 |
| 33% below US avg |
| Rent Burden | 26.0% |
HUD Fair Market Rent
| Studio | $720 |
| 1 Bedroom | $862 |
| 2 Bedrooms | $1,044 |
| 3 Bedrooms | $1,299 |
| 4 Bedrooms | $1,489 |
Ownership & Property
| Homeownership | 62.0% |
| Owner-Occupied | 62.0% |
| Renter-Occupied | 38.0% |
| Housing Units | 213 |
| Median Year Built | 1938 |
Property Tax
| Avg Tax (IRS) | $7,079 |
| 102% above US avg |
| Effective Rate | 3.78% |
In Franklin, 32.0% of adults are obese, below the national rate of 32.1%. 8.3% have diabetes (below the 10.5% national rate). Heart disease affects 5.3% of residents. 30.2% have high blood pressure. 14.2% are current smokers. 20.7% report binge drinking. 24.0% are physically inactive. 22.2% report depression. 17.9% experience frequent mental distress. 6.1% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:727. The dentist ratio is 1:2,246. 49.3% of residents have access to exercise opportunities. The food environment index is 7.7 out of 10.
Health Metrics: Franklin vs U.S. Average (%)
Chronic Conditions
| Obesity | 32.0% |
| 0% below US avg |
| Diabetes | 8.3% |
| Heart Disease | 5.3% |
| High Blood Pressure | 30.2% |
| Asthma | 11.1% |
| COPD | 6.2% |
| Cancer | 7.5% |
| Stroke | 2.8% |
Behaviors & Mental Health
| Smoking | 14.2% |
| 1% above US avg |
| Binge Drinking | 20.7% |
| Physical Inactivity | 24.0% |
| Depression | 22.2% |
| Mental Distress | 17.9% |
| Physical Distress | 12.8% |
| Short Sleep | 42.4% |
Healthcare Access
| Insurance Rate | 91.4% |
| Uninsured | 6.1% |
| 29% below US avg |
| Primary Care | 1:727 |
| Dentists | 1:2,246 |
| Mental Health | 1:439 |
| Checkup Rate | 77.6% |
| Dental Visits | 60.6% |
| Premature Death | 8,049/100K |
Food & Exercise
| Food Environment | 7.7/10 |
| Exercise Access | 49.3% |
| Healthcare Facilities | 156 |
Franklin has a violent crime rate of 186 per 100,000 residents, 51% below the national average of 380. Property crime stands at 1,776 per 100,000, 9% below the U.S. average. The county recorded 6 fatal traffic crashes. Overall, Franklin receives a safety grade of F.
Crime Rates: Franklin vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 186.2/100K |
| 51% below US avg |
| |
Property Crime
| Total Property | 1,776.4/100K |
| 9% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 6 |
| Traffic Accidents | 5 |
| Avg Accident Severity | 2.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Franklin experiences four distinct seasons with an average annual temperature of 46°F (8°C). Winters average 22°F in January while summers reach 69°F in July. The area gets 246 sunny days per year, above the national average. Annual precipitation totals 45.3 inches. Air quality is rated Good with a median AQI of 36. The city sits at an elevation of 1,236 feet.
Temperature
22°F Jan (-6°C)
69°F Jul (21°C)
| Annual Average | 45.8°F |
| 15% below US avg |
| January Average | 22°F (-6°C) |
| July Average | 69°F (21°C) |
| Sunny Days | 246 days/yr |
Geography
| Elevation | 1,236 ft (377 m) |
| Area | 0.4 sq mi (0.9 km²) |
| Population Density | 1,215/sq mi |
| Coordinates | 42.3408°N, 75.1680°W |
| Timezone | America/New_York |
| County | Otsego County County |
| Nearest Airport | Albert S Nader Regional (ONH)
14 miles away |
Precipitation & Snow
Annual Rainfall
45.3"
19% above US avg
Wettest Month (Jun)
4.17"
Air Quality
| AQI Median | 36.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 75.8 / 100 |
| Social Vulnerability | 56.8 / 100 |
| Community Resilience | 87.7 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Relatively Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Moderate |
| Hail |
Very Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Low |
| 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 Aug 27, 2011.
| Jun 17, 1991 |
7 km NE of Worcester, New York |
M4.0 |
52 km |
| Jul 31, 1997 |
0 km WSW of Lyons Falls, New York |
M3.2 |
144 km |
| Dec 13, 2009 |
15 km N of Medusa, New York |
M3.2 |
91 km |
| Jul 24, 2007 |
12 km SSW of Altamont, New York |
M3.1 |
91 km |
| May 18, 2009 |
15 km N of Medusa, New York |
M3.1 |
90 km |
| Oct 21, 2009 |
15 km N of Medusa, New York |
M2.9 |
91 km |
| Mar 22, 2009 |
9 km SW of Altamont, New York |
M2.8 |
92 km |
| Aug 27, 2011 |
5 km WSW of Altamont, New York |
M2.8 |
96 km |
| Aug 25, 2011 |
5 km WSW of Altamont, New York |
M2.7 |
96 km |
| Feb 18, 2009 |
15 km N of Medusa, New York |
M2.7 |
91 km |
| Feb 27, 2008 |
2 km SW of Central Bridge, New York |
M2.7 |
77 km |
| Feb 20, 2009 |
15 km SSW of Altamont, New York |
M2.7 |
92 km |
| Jul 24, 2007 |
13 km SSW of Altamont, New York |
M2.6 |
91 km |
| Dec 13, 2009 |
14 km N of Medusa, New York |
M2.6 |
91 km |
| Jan 15, 1992 |
5 km NNE of Tuxedo Park, New York |
M2.5 |
148 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 |
201 km |
Source: NOAA IBTrACS (Cat 1+, 1980–2026)
Tornado History
152 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 8 fatalities, 84 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jul 10, 1989 |
EF4 |
75 km |
0 |
| May 22, 2014 |
EF3 |
96 km |
0 |
| May 31, 1998 |
EF3 |
86 km |
0 |
| May 31, 1998 |
EF3 |
22 km |
0 |
| Apr 22, 2023 |
EF2 |
63 km |
0 |
| Jul 8, 2014 |
EF2 |
82 km |
4 |
| May 29, 2013 |
EF2 |
97 km |
0 |
| Apr 28, 2011 |
EF2 |
55 km |
0 |
| Jul 23, 2010 |
EF2 |
76 km |
0 |
| May 16, 2009 |
EF2 |
76 km |
0 |
| Jul 21, 2003 |
EF2 |
100 km |
0 |
| May 31, 1998 |
EF2 |
47 km |
0 |
| Sep 18, 1991 |
EF2 |
69 km |
0 |
| Jul 23, 1990 |
EF2 |
94 km |
0 |
| Oct 14, 1989 |
EF2 |
53 km |
2 |
| Oct 1, 1986 |
EF2 |
50 km |
0 |
| Sep 18, 1977 |
EF2 |
70 km |
0 |
| Jun 16, 1976 |
EF2 |
40 km |
0 |
| Mar 21, 1976 |
EF2 |
95 km |
0 |
| Jun 9, 1972 |
EF2 |
74 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
3 wildfires (100+ acres) within 100 km.
Largest: ROOSA GAP (2,747 ac, 2015).
| Year |
Name |
Acres |
Distance |
| 2015 |
ROOSA GAP |
2,747 |
100 km |
| 2006 |
CHERRYTOWN FIRE |
943 |
85 km |
| 2024 |
WHITEHOUSE |
607 |
77 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
22°F (-6°C) |
2.7 in |
Coldest |
| February |
22°F (-6°C) |
2.4 in |
Driest |
| March |
31°F (-0°C) |
3.2 in |
|
| April |
43°F (6°C) |
3.5 in |
|
| May |
54°F (12°C) |
4.0 in |
|
| June |
62°F (17°C) |
4.2 in |
Wettest |
| July |
69°F (21°C) |
3.8 in |
Warmest |
| August |
66°F (19°C) |
3.8 in |
|
| September |
58°F (15°C) |
3.8 in |
|
| October |
48°F (9°C) |
3.4 in |
|
| November |
37°F (3°C) |
3.7 in |
|
| December |
26°F (-3°C) |
3.3 in |
|
Franklin has a seasonal temperature swing of 48°F / from 22°F in January to 69°F in July. Total annual precipitation is 41.8 inches, with June being the wettest month (4.2") and February the driest (2.4").
Average costs for common services in Franklin. 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 Franklin
What is the population of Franklin?
Franklin has a population of 413 residents and is located in New York. The population density is 1,215 people per square mile, spread across 0.4 square miles. The median age of residents is 43.7 years, which is older than the national median of 38.9 years. The population is 38.3% female and 61.7% male.
Is Franklin expensive to live in?
Franklin 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 $80,000, 6% above the national average of $75,149. The median home value is $187,100 (34% below the U.S. median). Renters pay a median of $785 per month, below the national average of $1,163. The home price-to-income ratio is 2.3x, indicating housing is reasonably affordable relative to local income levels.
Is Franklin safe?
Franklin is safer than the national average, with a violent crime rate of 186 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 1,776 per 100,000 (below the national average). Overall, Franklin receives a safety grade of F based on combined crime data.
What is the weather like in Franklin?
Franklin has a four-season climate with an average annual temperature of 46°F (8°C). Winter temperatures average 22°F in January, while summers reach an average of 69°F in July. The area receives 246 sunny days per year. Annual rainfall totals 45.3 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 36.
How is the job market in Franklin?
The unemployment rate in Franklin is 6.1%, somewhat above the national average of 3.6%. Job seekers may face moderate competition. The average weekly wage is $1,160. There are 1,538 business establishments in the area, including 190 restaurants and food service locations. The average commute time is 27 minutes, and 26.1% of workers work from home.
How much does housing cost in Franklin?
The median home value in Franklin is $187,100. Zillow estimates the typical home value at $179,512. For renters, the median monthly rent is $785. Fair market rent is $862 for a 1-bedroom and $1,044 for a 2-bedroom apartment. The homeownership rate is 62.0%. The average annual property tax is $7,079.
How are the schools in Franklin?
Schools in Franklin have an average test score of 4.5 out of 10, below typical national benchmarks. Families may want to research individual school ratings. 36.8% of adults in Franklin hold a bachelor's degree or higher, above the national average of 33.7%. 96.0% have completed high school. 21.9% hold a graduate or professional degree.
How healthy is Franklin?
The obesity rate in Franklin is 32.0% (below the national rate of 32.1%). 14.2% of adults are smokers. 24.0% are physically inactive. 22.2% of residents report depression. 6.1% lack health insurance (below the national rate). 49.3% of residents have access to exercise opportunities. The primary care physician ratio is 1:727.
What is transportation like in Franklin?
The average commute in Franklin is 27 minutes. 58.3% of workers drive alone to work, 2.8% use public transit, and 26.1% work from home.
What are the demographics of Franklin?
The racial and ethnic makeup of Franklin is 83.5% White, 0.7% Hispanic or Latino. 95.7% of residents speak only English at home, while 4.3% speak Spanish. 7.3% of the population are military veterans. 24.2% of residents have a disability. 91.4% have health insurance coverage.
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