PlainZIP

Bernhards Bay, NY · standard

ZIP Code 13028

Oswego County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

1,350
28/sq mi
$61,645
Median income
$147,500
Median home value
22.4%
Bachelor's or higher

The verdict

Bernhards Bay pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.

32th pct
household income, US ZIPs
25th pct
home value, US ZIPs
28
people per sq mi
88%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 13028 against every reporting US ZIP.

ZIP code 13028 is a sparsely populated ZIP (a standard USPS delivery area) in Bernhards Bay, Oswego County, New York, home to just 1,350 residents across 48.4 square miles, a density of 28 people per square mile, in the New York time zone.

ZIP 13028 reports a modest median household income of $61,645 (33% below the New York average), while per-capita income is $27,596. Local economic indicators show a 34.8% poverty rate alongside 1.4% unemployment. Housing costs here run $147,500 for a typical home value (61% below the state average), with rent averaging - a month; 87.6% of homes are owner-occupied.

Educational attainment sits below the national norm: 22.4% of adults hold a bachelor's degree or higher, the median age is 35.5, and the average commute is -. We also surface 7 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Oswego County, so you can benchmark 13028 against its immediate geography rather than a national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 13028, Bernhards Bay, NY · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

1,350

Population

48.4

Area (sq mi)

28

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 13028?

35.5

Median Age

65.9%

Male

34.1%

Female

2.0%

Foreign-Born

White 94.7%
African American 0.0%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 5.3%
Hispanic or Latino 3.0%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$61,645

Median Household Income

-33% vs state

$27,596

Per Capita Income

34.8%

Poverty Rate

1.4%

Unemployment Rate

How ZIP 13028 ranks nationally

Bernhards Bay, NY household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$61,645 32nd percentile higher than 32% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 62.5%
Bachelor's Degree or Higher 22.4%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

701

Total Housing Units

387

Occupied Units

314

Vacant Units

3.00

Avg Household Size

Occupancy Type

Owner 87.6%
Renter 12.4%

$147,500

Median Home Value

-61% vs state

1972

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What businesses operate in this ZIP?

Census Bureau data shows 14 business establishments in ZIP 13028, employing approximately 64 people with a combined annual payroll of $2,624,000.

14

Businesses

64

Employees

$2.6M

Annual Payroll

1

Industry Sectors

Industry Establishments % of Total
Construction 5 35.7%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 13028 vs 13044 →

ZIP 13028 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 13028 ranks #7 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 13028 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 13028 ranks #8 of 8 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
13044 Constantia, NY 2,512 3.2 mi
13042 Cleveland, NY 2,356 4.5 mi
13167 West Monroe, NY 3,342 6.4 mi
13030 Bridgeport, NY 3,892 9.9 mi
13493 Williamstown, NY 2,070 9.7 mi
13483 Westdale, NY 256 8.9 mi
13039 Cicero, NY 17,537 11.2 mi

More ZIP Codes in Oswego County

13126 standard
Oswego, NY
Pop: 37,205
13069 standard
Fulton, NY
Pop: 24,931
13036 standard
Central Square, NY
Pop: 8,680
13135 standard
Phoenix, NY
Pop: 6,617
13142 standard
Pulaski, NY
Pop: 6,451
13114 standard
Mexico, NY
Pop: 6,356

Related Areas

Oswego County Bernhards Bay, NY New York

Frequently Asked Questions

What county is ZIP code 13028 in? ▼
ZIP code 13028 (Bernhards Bay) is located in Oswego County, New York. Oswego County contains multiple ZIP codes, see the full list at /counties/oswego-ny.
What is the population of ZIP code 13028? ▼
ZIP code 13028 in Bernhards Bay, NY has a population of 1,350 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 13028? ▼
The median household income in ZIP 13028 is $61,645, which is 19% below the national average of $76,288.
What is the average home value in ZIP 13028? ▼
The median home value in ZIP 13028 is $147,500, which is 47% below the national average of $278,155.
What is the demographic makeup of ZIP 13028? ▼
The largest racial group in ZIP 13028 is White at 94.7%. Hispanic or Latino residents make up 3.0% of the population.
How many businesses are in ZIP code 13028? ▼
ZIP code 13028 has 14 business establishments employing approximately 64 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What is the education level in ZIP code 13028? ▼
In ZIP code 13028, 62.5% of residents aged 25+ have a high school diploma or higher, and 22.4% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 13028? ▼
In ZIP code 13028, approximately 87.6% of occupied housing units are owner-occupied and 12.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 13028? ▼
The poverty rate in ZIP code 13028 is 34.8% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.