Median Income
$57,738
23% lower than US avg
Home Value
$146,500
48% lower than US avg
Violent Crime
0/100K
100% lower than US avg
Bachelor's+
5.1%
85% lower than US avg
Median Rent
$953
18% lower than US avg
Obesity Rate
37.2%
16% higher than US avg
Unemployment
2.6%
28% lower than US avg
Poverty Rate
17.0%
37% higher than US avg
How Theresa Compares to the U.S. Average (100% = U.S. avg)
People
Population1,019
Median Age29.5 yrs
Density809/mi²
Male / Female61% / 40%
Largest GroupWhite 71%
Veterans10.9%
Economy
B+
Median Income$57,738
Per Capita$29,600
Unemployment2.6%
Poverty17.0%
County GDP$6,588M
Commute28 min
Housing
A+
Home Value$146,500
Rent$953
Ownership53.1%
Zillow$195,055
Housing Units371
Rent Burden23.6%
Crime
C+
Violent0/100K
Property216/100K
Health
Obesity37.2%
Uninsured5.9%
Smoking14.1%
Depression21.4%
Heart Disease5.2%
Climate
Avg Temp44°F (6°C)
AQI36 (Good)
Rain39.6 in/yr
Sunny Days270/yr
Elevation437 ft (133 m)
Education
F
Bachelor's+5.1%
High School+95.5%
Graduate+4.3%
School Score4.97
Community
2024 VoteR 59% / D 41%
Commute28 min
Broadband97.2%
EV Stations1
Libraries22
Is Theresa a Good Place to Live?
Based on current data, Theresa receives an overall livability score of 3.1 out of 5.0, earning a grade of B. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Areas to be aware of include an elevated poverty rate, below-average incomes. Theresa offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Theresa is $57,738, 23% below the national average of $75,149. The job market is very strong with unemployment at just 2.6%. The poverty rate of 17.0% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 28 minutes.
Cost of Living & Housing
The median home value in Theresa is $146,500, 48% below the national median / offering relatively affordable homeownership. Renters pay a median of $953 per month, below the national average / a plus for affordability. At just 2.5x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Theresa is a very safe community with a violent crime rate of 0 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 216 per 100,000, 89% below the national average.
Education
5.1% of residents hold a bachelor's degree, below the national average of 33.7%. 95.5% have completed high school. Area schools have an average test score of 5/10.
Climate & Weather
Theresa has a cool climate with an average annual temperature of 44°F. Winters average 16°F in January while summers reach 68°F in July. With 270 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 39.6 inches, including 92.4 inches of snow. Air quality is rated Good with a median AQI of 36.
Theresa has a population of 1,019 with a density of 809 people per square mile, spread across 1.3 square miles. The median age is 29.5 years, 24% younger than the national median of 38.9. The gender split is 39.5% female and 60.5% male. The city is predominantly White (70.9%). English is the primary language spoken at home by 95.7% of residents. 10.9% of the population are veterans, above the national rate of 6.0%. 9.7% of residents have a disability (below the 13.0% national average). 99.7% have health insurance coverage.
Population
29.5yrs
Median Age
24% below 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 Theresa is $57,738, which is 23% below the national average of $75,149. Per capita income is $29,600 (below the $39,052 national figure). The average weekly wage is $1,202, 16% lower than the U.S. average. The unemployment rate is 2.6% (below the 3.6% US average). 17.0% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 2,104 business establishments, including 253 restaurants. The cost of living index is 107.9, slightly above the national baseline of 100. Workers commute an average of 28 minutes. 3.8% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $57,738 |
| 23% below US avg |
| Per Capita Income | $29,600 |
| Avg Weekly Wage | $1,202 |
| IRS Avg AGI | $63,170 |
| Gini Index | 0.449 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 2.6% |
| 28% below US avg |
| Poverty Rate | 17.0% |
| 37% above US avg |
| Establishments (County) | 2,104 |
| County GDP | $6,588M |
Business (County)
| Restaurants | 253 |
| Healthcare | 233 |
| Retail | 339 |
| Manufacturing | 62 |
Tax & Cost of Living
| Property Tax (IRS) | $6,866 |
| 96% above US avg |
| Cost of Living | 107.90 (100=avg) |
| Effective Tax Rate | 4.69% |
Commute & Transportation
| Commute Time | 28.4 min |
| Drive Alone | 92.2% |
| Public Transit | 0.0% |
| Work from Home | 3.8% |
The median home value in Theresa is $146,500, 48% below the national median of $281,900. Zillow estimates the typical home value at $195,055, higher than the Census estimate. Monthly rent averages $953 (18% 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. 53.1% of housing units are owner-occupied (below the 65.4% national rate). There are 371 total housing units in the city. The median year a home was built is 1938. The average annual property tax is $6,866 (higher than the $3,500 national average). 23.6% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.5x, well within the affordable range.
Home Values
| Census Median | $146,500 |
| 48% below US avg |
| Zillow ZHVI | $195,055 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $953 |
| 18% below US avg |
| Rent Burden | 23.6% |
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 | 53.1% |
| Owner-Occupied | 53.1% |
| Renter-Occupied | 46.9% |
| Housing Units | 371 |
| Median Year Built | 1938 |
Property Tax
| Avg Tax (IRS) | $6,866 |
| 96% above US avg |
| Effective Rate | 4.69% |
In Theresa, 37.2% of adults are obese, above the national rate of 32.1%. 8.9% have diabetes. Heart disease affects 5.2% of residents. 28.8% have high blood pressure. 14.1% are current smokers. 21.6% report binge drinking. 23.4% are physically inactive. 21.4% report depression. 17.9% experience frequent mental distress. 5.9% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:1,831. The dentist ratio is 1:2,505. 56.6% of residents have access to exercise opportunities. The food environment index is 7.5 out of 10.
Health Metrics: Theresa vs U.S. Average (%)
Chronic Conditions
| Obesity | 37.2% |
| 16% above US avg |
| Diabetes | 8.9% |
| Heart Disease | 5.2% |
| High Blood Pressure | 28.8% |
| Asthma | 11.4% |
| COPD | 6.1% |
| Cancer | 7.6% |
| Stroke | 2.8% |
Behaviors & Mental Health
| Smoking | 14.1% |
| 1% above US avg |
| Binge Drinking | 21.6% |
| Physical Inactivity | 23.4% |
| Depression | 21.4% |
| Mental Distress | 17.9% |
| Physical Distress | 12.3% |
| Short Sleep | 41.0% |
Healthcare Access
| Insurance Rate | 99.7% |
| Uninsured | 5.9% |
| 31% below US avg |
| Primary Care | 1:1,831 |
| Dentists | 1:2,505 |
| Mental Health | 1:404 |
| Checkup Rate | 78.9% |
| Dental Visits | 64.7% |
| Premature Death | 8,243/100K |
Food & Exercise
| Food Environment | 7.5/10 |
| Exercise Access | 56.6% |
| Healthcare Facilities | 233 |
Theresa has a violent crime rate of 0 per 100,000 residents, 100% below the national average of 380. Property crime stands at 216 per 100,000, 89% below the U.S. average. The county recorded 12 fatal traffic crashes. Overall, Theresa receives a safety grade of C+.
Crime Rates: Theresa vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 0.0/100K |
| 100% below US avg |
| |
Property Crime
| Total Property | 215.5/100K |
| 89% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 12 |
| Traffic Accidents | 7 |
| Avg Accident Severity | 2.6 / 4.0 |
Safety Score
| Safety Grade | C+ |
| Safety Score | 2.5 / 5.0 |
Theresa has a cool climate with an average annual temperature of 44°F (6°C). Winters average 16°F in January while summers reach 68°F in July. The area gets 270 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 39.6 inches. The area receives 92.4 inches of snow annually, making winter weather a significant factor for residents. Air quality is rated Good with a median AQI of 36. The city sits at an elevation of 437 feet.
Temperature
16°F Jan (-9°C)
68°F Jul (20°C)
| Annual Average | 43.5°F |
| 19% below US avg |
| January Average | 16°F (-9°C) |
| July Average | 68°F (20°C) |
| Sunny Days | 270 days/yr |
Geography
| Elevation | 437 ft (133 m) |
| Area | 1.3 sq mi (3.4 km²) |
| Population Density | 809/sq mi |
| Coordinates | 44.2155°N, 75.7959°W |
| Timezone | America/New_York |
| County | St. Lawrence County County |
| Nearest Airport | Watertown International (ART)
19 miles away |
Precipitation & Snow
Annual Rainfall
39.6"
4% above US avg
Wettest Month (Sep)
4.17"
Air Quality
| AQI Median | 36.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 77.9 / 100 |
| Social Vulnerability | 64.7 / 100 |
| Community Resilience | 70.4 / 100 |
Hazard Breakdown
| Tornado |
Very Low |
| Hurricane |
Relatively Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Moderate |
| Hail |
Very Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively High |
| Lightning |
Relatively Moderate |
| Ice Storm |
Relatively High |
| Drought |
No Rating |
| Cold Wave |
Relatively Moderate |
| Landslide |
Relatively Low |
| Avalanche |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
34 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.8. Most recent: M2.5 on Jan 1, 2025.
| Apr 20, 2000 |
7 km WSW of Newcomb, New York |
M3.8 |
126 km |
| Apr 8, 2003 |
17 km ESE of Saint Regis Falls, New York |
M3.7 |
124 km |
| Apr 23, 2023 |
New York |
M3.6 |
43 km |
| Jun 29, 2024 |
14 km W of Ellisburg, New York |
M3.3 |
69 km |
| Jul 31, 1997 |
0 km WSW of Lyons Falls, New York |
M3.2 |
74 km |
| Aug 24, 2011 |
13 km ENE of Saint Regis Falls, New York |
M3.2 |
125 km |
| May 8, 2009 |
9 km E of Constance Bay, Canada |
M3.1 |
143 km |
| Feb 24, 2002 |
7 km WSW of Casselman, Canada |
M3.1 |
129 km |
| Mar 2, 1995 |
3 km ENE of Tupper Lake, New York |
M3.0 |
109 km |
| Nov 7, 2002 |
13 km SSW of Belleville, Canada |
M3.0 |
132 km |
| Oct 13, 1997 |
18 km NW of Cranberry Lake, New York |
M3.0 |
68 km |
| Sep 4, 2004 |
3 km S of Massena, New York |
M2.9 |
104 km |
| Mar 7, 2008 |
7 km WSW of Casselman, Canada |
M2.9 |
129 km |
| Oct 12, 1997 |
7 km SSW of Fort Covington Hamlet, New York |
M2.9 |
125 km |
| Jul 10, 1997 |
8 km WNW of Cornwall, Canada |
M2.9 |
119 km |
| Sep 29, 1994 |
13 km WNW of North Creek, New York |
M2.9 |
143 km |
| Jul 14, 2021 |
8 km WNW of Massena, New York |
M2.8 |
105 km |
| Jul 23, 1996 |
15 km NNE of Saranac Lake, New York |
M2.8 |
143 km |
| Mar 20, 2008 |
12 km S of Osgoode, Canada |
M2.8 |
92 km |
| Mar 14, 2021 |
19 km SW of Winchester, Canada |
M2.7 |
85 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
39 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF3. Total: 1 fatality, 6 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Aug 7, 2023 |
EF3 |
87 km |
0 |
| May 2, 1983 |
EF3 |
89 km |
0 |
| Aug 15, 1986 |
EF2 |
19 km |
1 |
| Sep 19, 1954 |
EF2 |
99 km |
0 |
| Jul 16, 2024 |
EF1 |
95 km |
0 |
| Jul 10, 2024 |
EF1 |
70 km |
0 |
| Aug 7, 2023 |
EF1 |
100 km |
0 |
| Jun 3, 2021 |
EF1 |
98 km |
0 |
| Jul 8, 2014 |
EF1 |
52 km |
0 |
| Aug 1, 2005 |
EF1 |
55 km |
0 |
| Sep 3, 1993 |
EF1 |
88 km |
0 |
| Jul 10, 1989 |
EF1 |
59 km |
0 |
| May 31, 1985 |
EF1 |
89 km |
0 |
| Aug 28, 1983 |
EF1 |
63 km |
0 |
| Aug 7, 1972 |
EF1 |
53 km |
0 |
| Jul 12, 1969 |
EF1 |
73 km |
0 |
| Jun 29, 1960 |
EF1 |
92 km |
0 |
| Jul 1, 1959 |
EF1 |
46 km |
0 |
| Aug 10, 1958 |
EF1 |
98 km |
0 |
| Aug 11, 2024 |
EF0 |
23 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
16°F (-9°C) |
2.8 in |
Coldest |
| February |
19°F (-7°C) |
2.3 in |
Driest |
| March |
30°F (-1°C) |
2.5 in |
|
| April |
43°F (6°C) |
3.0 in |
|
| May |
55°F (13°C) |
3.2 in |
|
| June |
64°F (18°C) |
3.2 in |
|
| July |
68°F (20°C) |
3.1 in |
Warmest |
| August |
67°F (19°C) |
3.8 in |
|
| September |
59°F (15°C) |
4.2 in |
Wettest |
| October |
48°F (9°C) |
3.4 in |
|
| November |
37°F (3°C) |
4.0 in |
|
| December |
24°F (-4°C) |
3.3 in |
|
Theresa has a seasonal temperature swing of 53°F / from 16°F in January to 68°F in July. Total annual precipitation is 38.7 inches, with September being the wettest month (4.2") and February the driest (2.3").
Average costs for common services in Theresa. 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 Theresa
What is the population of Theresa?
Theresa has a population of 1,019 residents and is located in New York. The population density is 809 people per square mile, spread across 1.3 square miles. The median age of residents is 29.5 years, which is younger than the national median of 38.9 years. The population is 39.5% female and 60.5% male.
Is Theresa expensive to live in?
Theresa 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 $57,738, 23% below the national average of $75,149. The median home value is $146,500 (48% below the U.S. median). Renters pay a median of $953 per month, below the national average of $1,163. The home price-to-income ratio is 2.5x, indicating housing is reasonably affordable relative to local income levels.
Is Theresa safe?
Theresa is considered a very safe city with a violent crime rate of 0 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 216 per 100,000 (below the national average). Overall, Theresa receives a safety grade of C+ based on combined crime data.
What is the weather like in Theresa?
Theresa has a cool climate with an average annual temperature of 44°F (6°C). Winter temperatures average 16°F in January, while summers reach an average of 68°F in July. The area receives 270 sunny days per year, well above the national average of 205. Annual rainfall totals 39.6 inches, with 92.4 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 36.
How is the job market in Theresa?
The job market in Theresa is very strong, with unemployment at just 2.6% / well below the national rate of 3.6%. The average weekly wage is $1,202. There are 2,104 business establishments in the area, including 253 restaurants and food service locations. The average commute time is 28 minutes, and 3.8% of workers work from home.
How much does housing cost in Theresa?
The median home value in Theresa is $146,500. Zillow estimates the typical home value at $195,055. For renters, the median monthly rent is $953. Fair market rent is $1,315 for a 1-bedroom and $1,579 for a 2-bedroom apartment. The homeownership rate is 53.1%. The average annual property tax is $6,866.
How are the schools in Theresa?
Schools in Theresa score 5 out of 10 on standardized testing, near the national average. 5.1% of adults in Theresa hold a bachelor's degree or higher, below the national average of 33.7%. 95.5% have completed high school. 4.3% hold a graduate or professional degree.
How healthy is Theresa?
The obesity rate in Theresa is 37.2% (above the national rate of 32.1%). 14.1% of adults are smokers. 23.4% are physically inactive. 21.4% of residents report depression. 5.9% lack health insurance (below the national rate). 56.6% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,831.
What is transportation like in Theresa?
The average commute in Theresa is 28 minutes. 92.2% of workers drive alone to work, and 3.8% work from home.
What are the demographics of Theresa?
The racial and ethnic makeup of Theresa is 70.9% White, 0.6% Hispanic or Latino. 95.7% of residents speak only English at home, while 4.3% speak Spanish. 10.9% of the population are military veterans. 9.7% of residents have a disability. 99.7% have health insurance coverage.
All Countries
