| ZIP Code | 13101 |
|---|---|
| City | Mc Graw |
| State | New York (NY) |
| County | Cortland County |
| Area Code | 607 |
| Elevation | 1,276 ft |
| Latitude | 42.613308 |
|---|---|
| Longitude | -76.066405 |
| Timezone | New York (DST) |
| FIPS | 36023 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 38.3 yrs |
|---|---|
| Avg Household Size | 2.33 |
| Below Poverty | 9.2% ▼ 8% below avg |
| College Grads | 28.9% ▼ 25% below avg |
| Unemployment | 4.9% ≈ Avg |
| No HS Diploma | 16 (1.2%) |
| HS Graduate | 509 (37.2%) |
| Some College | 280 (20.5%) |
| Associates | 167 (12.2%) |
| Bachelors | 169 (12.4%) |
| Graduate Degree | 226 (16.5%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $62,670 ▼ 18% below avg ↑ 10% since 2019 |
|---|---|
| Median Home Value | $123,800 ▼ 56% below avg ↑ 20% since 2019 |
| Home/Income Ratio | 2.0x (nat avg ~3.5x) |
| Median Rent | $858/mo ↑ 25% since 2019 |
| Total Units | 987 |
| Vacant Units | 38 |
| Avg HH Size | 2.33 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 987 |
|---|---|
| Vacant | 38 |
| Owner Occupied | 77.3% |
| Renter Occupied | 22.7% |
| Avg HH Size | 2.33 |
ZIP code 13101 is located in Mc Graw, New York, within Cortland County. With a population of 2,221, this is a sparsely populated ZIP code with a middle-aged community — the median age is 38.3 years. Economically, 13101 is a solidly middle-class ZIP code: the median household income of $62,670 is below the national average.
Real estate in ZIP code 13101 represents one of the more affordable housing markets in the country. The median home value of $123,800 is well below the national average. Renters can expect to pay around $858 per month in median rent. Homeownership is strong here — 77.3% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 20% since 2019.
The population of 13101 is primarily White (94.42%). Residents are moderately educated — 28.9% hold a bachelor's degree or higher, which is below the national average. Poverty affects a relatively small share of residents at 9.2%. Household income has grown by 10% since 2019.
The unemployment rate in 13101 stands at 4.9%, which is near the national average. As in most parts of the country, driving alone is the dominant commute mode at 79%.
Overall, ZIP code 13101 in Mc Graw, NY is characterized as solidly middle-class, moderately educated, a middle-aged community, and predominantly owner-occupied. With 2,221 residents, a median household income of $62,670, and a median home value of $123,800, it offers a clear picture of life in this part of New York.