| ZIP Code | 13028 |
|---|---|
| City | Bernhards Bay |
| State | New York (NY) |
| County | Oswego County |
| Area Code | 315/680 |
| Elevation | 566 ft |
| Latitude | 43.3028 |
|---|---|
| Longitude | -75.933212 |
| Timezone | New York (DST) |
| FIPS | 36075 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 43.3 yrs ↑ 4% since 2019 |
|---|---|
| Avg Household Size | 2.73 |
| Below Poverty | 10.7% ≈ Avg |
| College Grads | 43.6% ▲ 12% above avg |
| Unemployment | 0.0% ▼ 100% below avg |
| HS Graduate | 112 (18.1%) |
| Some College | 110 (17.7%) |
| Associates | 128 (20.6%) |
| Bachelors | 133 (21.5%) |
| Graduate Degree | 137 (22.1%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $88,906 ▲ 17% above avg ↑ 41% since 2019 |
|---|---|
| Median Home Value | $149,200 ▼ 46% below avg ↑ 22% since 2019 |
| Home/Income Ratio | 1.7x (nat avg ~3.5x) |
| Total Units | 616 |
| Vacant Units | 282 |
| Avg HH Size | 2.73 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 616 |
|---|---|
| Vacant | 282 |
| Owner Occupied | 96.1% |
| Renter Occupied | 3.9% |
| Avg HH Size | 2.73 |
ZIP code 13028 is located in Bernhards Bay, New York, within Oswego County. With a population of 913, this is a sparsely populated ZIP code with a middle-aged community — the median age is 43.3 years. Economically, 13028 is a middle-income ZIP code: the median household income of $88,906 is above the national average.
Real estate in ZIP code 13028 represents one of the more affordable housing markets in the country. The median home value of $149,200 is below the national average. Homeownership is strong here — 96.1% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 22% since 2019.
The population of 13028 is primarily White (92.88%). Residents are well-educated — 43.6% hold a bachelor's degree or higher, which is near the national average. Poverty affects some residents at 10.7%. Household income has grown by 41% since 2019.
About 23% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 72%.
Overall, ZIP code 13028 in Bernhards Bay, NY is characterized as middle-income, well-educated, a middle-aged community, and predominantly owner-occupied. With 913 residents, a median household income of $88,906, and a median home value of $149,200, it offers a clear picture of life in this part of New York.