| ZIP Code | 13320 |
|---|---|
| City | Cherry Valley |
| State | New York (NY) |
| County | Otsego County |
| Area Code | 607 |
| Elevation | 1,720 ft |
| Latitude | 42.777805 |
|---|---|
| Longitude | -74.740798 |
| Timezone | New York (DST) |
| FIPS | 36077 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 41.8 yrs ↓ 3% since 2019 |
|---|---|
| Avg Household Size | 2.82 |
| Below Poverty | 16.5% ▲ 65% above avg |
| College Grads | 53.6% ▲ 38% above avg |
| Unemployment | 3.6% ▼ 26% below avg |
| No HS Diploma | 1 (0.1%) |
| HS Graduate | 339 (27.7%) |
| Some College | 112 (9.2%) |
| Associates | 116 (9.5%) |
| Bachelors | 195 (15.9%) |
| Graduate Degree | 460 (37.6%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $80,956 ≈ Avg ↑ 33% since 2019 |
|---|---|
| Median Home Value | $191,600 ▼ 31% below avg ↑ 12% since 2019 |
| Home/Income Ratio | 2.4x (nat avg ~3.5x) |
| Median Rent | $805/mo |
| Total Units | 1,039 |
| Vacant Units | 322 |
| Avg HH Size | 2.82 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 1,039 |
|---|---|
| Vacant | 322 |
| Owner Occupied | 90.4% |
| Renter Occupied | 9.6% |
| Avg HH Size | 2.82 |
ZIP code 13320 is located in Cherry Valley, New York, within Otsego County. With a population of 2,027, this is a sparsely populated ZIP code with a middle-aged community — the median age is 41.8 years. Economically, 13320 is a middle-income ZIP code: the median household income of $80,956 is near the national average.
Real estate in ZIP code 13320 represents an affordable housing market. The median home value of $191,600 is below the national average. Renters can expect to pay around $805 per month in median rent. Homeownership is strong here — 90.4% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 12% since 2019.
The population of 13320 is primarily White (96.50%). Residents are well-educated — 53.6% hold a bachelor's degree or higher, which is above the national average. Poverty affects some residents at 16.5%. Household income has grown by 33% since 2019.
The unemployment rate in 13320 stands at 3.6%, which is below the national average. About 19% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 63%.
Overall, ZIP code 13320 in Cherry Valley, NY is characterized as middle-income, well-educated, a middle-aged community, and predominantly owner-occupied. With 2,027 residents, a median household income of $80,956, and a median home value of $191,600, it offers a clear picture of life in this part of New York.