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 Moderate-density area
- $61,645
- Median income Below-median income area
- $147,500
- Median home value Below-median home value
- 22.4%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Bernhards Bay pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.
- 32nd 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 average New York ZIP), while per-capita income is $27,596. The poverty rate is 34.8%, so the area-level income figures should not be treated as typical household experience. Home values sit below the statewide ZIP benchmark: the median is $147,500 (61% below the average New York ZIP); owner occupancy is 87.6%.
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 -. The page also surfaces 7 ZIP codes within roughly 10 miles and 6 more in Oswego County, so 13028 can be compared with both its immediate and county-level context.
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
Who lives in ZIP 13028?
35.5
Median Age
65.9%
Male
34.1%
Female
2.0%
Foreign-Born
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 ZIP avg
$27,596
Per Capita Income
34.8%
Poverty Rate
1.4%
Unemployment Rate
How ZIP 13028 ranks among New York ZIPs
Bernhards Bay, NY household income vs. every New York ZIP code
Median household income among 1,626 reporting New York ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$61,645 18th percentile higher than 18% of 1,626 New York ZIPs
Each bar is a $20K-wide band; taller bars hold more New York 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
701housing units
701
Total Housing Units
387
Occupied Units
314
Vacant Units
3.00
Avg Household Size
Occupancy Type
$147,500
Median Home Value
-61% vs state ZIP avg
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.
- 13039
Cicero (13039)
17,537 residents
- 13030 3,892
Bridgeport (13030)
3,892 residents
- 13167 3,342
West Monroe (13167)
3,342 residents
- 13044 2,512
Constantia (13044)
2,512 residents
- 13042 2,356
Cleveland (13042)
2,356 residents
- 13493 2,070
Williamstown (13493)
2,070 residents
- 13028 1,350
Bernhards Bay (13028)
1,350 residents
- 13483 256
Westdale (13483)
256 residents
What this shows Among its immediate neighbors, ZIP 13028 ranks #7 by population - useful context the national average alone can't give.
ZIP 13028 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 13483
Westdale (13483)
$115,341 median income
- 13039
Cicero (13039)
$107,500 median income
- 13042
Cleveland (13042)
$86,587 median income
- 13167
West Monroe (13167)
$85,294 median income
- 13030
Bridgeport (13030)
$68,306 median income
- 13044
Constantia (13044)
$64,313 median income
- 13493
Williamstown (13493)
$63,125 median income
- 13028
Bernhards Bay (13028)
$61,645 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 13028, both outside NY so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (1,350 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Oswego County
Related Areas
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.
Related
Take this with you
What to do with ZIP 13028's numbers, next.
- See how ZIP 13028 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Bernhards Bay, NY ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.