| ZIP Code | 13820 |
|---|---|
| City | Oneonta |
| State | New York (NY) |
| County | Otsego County |
| Area Code | 607 |
| Elevation | 1,573 ft |
| Latitude | 42.483412 |
|---|---|
| Longitude | -75.036892 |
| Timezone | New York (DST) |
| FIPS | 36077 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 32.0 yrs ↑ 8% since 2019 |
|---|---|
| Avg Household Size | 2.19 |
| Below Poverty | 14.7% ▲ 47% above avg |
| College Grads | 49.4% ▲ 28% above avg |
| Unemployment | 5.2% ≈ Avg |
| No HS Diploma | 238 (1.9%) |
| HS Graduate | 3,191 (25.5%) |
| Some College | 1,318 (10.5%) |
| Associates | 1,593 (12.7%) |
| Bachelors | 1,161 (9.3%) |
| Graduate Degree | 5,033 (40.2%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $66,217 ▼ 13% below avg ↑ 32% since 2019 |
|---|---|
| Median Home Value | $176,300 ▼ 37% below avg ↑ 17% since 2019 |
| Home/Income Ratio | 2.7x (nat avg ~3.5x) |
| Median Rent | $983/mo ↑ 14% since 2019 |
| Total Units | 10,083 |
| Vacant Units | 1,927 |
| Avg HH Size | 2.19 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 10,083 |
|---|---|
| Vacant | 1,927 |
| Owner Occupied | 64.1% |
| Renter Occupied | 35.9% |
| Avg HH Size | 2.19 |
ZIP code 13820 is located in Oneonta, New York, within Otsego County. With a population of 22,954, this is a moderately populated ZIP code with a relatively young community — the median age is 32 years. Economically, 13820 is a solidly middle-class ZIP code: the median household income of $66,217 is near the national average.
Real estate in ZIP code 13820 represents an affordable housing market. The median home value of $176,300 is below the national average. Renters can expect to pay around $983 per month in median rent. Homeownership is strong here — 64.1% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 17% since 2019.
The population of 13820 is primarily White (84.11%). Residents are well-educated — 49.4% hold a bachelor's degree or higher, which is above the national average. Poverty affects some residents at 14.7%. Household income has grown by 32% since 2019.
The unemployment rate in 13820 stands at 5.2%, which is near the national average. As in most parts of the country, driving alone is the dominant commute mode at 70%.
Overall, ZIP code 13820 in Oneonta, NY is characterized as solidly middle-class, well-educated, a relatively young community, and predominantly owner-occupied. With 22,954 residents, a median household income of $66,217, and a median home value of $176,300, it offers a clear picture of life in this part of New York.