PlainZIP

Mc Graw, NY · standard

ZIP Code 13101

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

2,508
25/sq mi
$63,587
Median income
$143,700
Median home value
18.9%
Bachelor's or higher

The verdict

Mc Graw pairs a below-median household income with among the most affordable home values nationally, in a rural, homeowner-dominated area.

36th pct
household income, US ZIPs
24th pct
home value, US ZIPs
25
people per sq mi
81%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 13101 against every reporting US ZIP.

ZIP code 13101 covers 101.1 square miles in Mc Graw, Cortland County, New York (a standard USPS delivery area), with a modest 2,508 residents on file, a density of 25 people per square mile, in the New York time zone.

ZIP 13101 reports a modest median household income of $63,587 (31% below the New York average), while per-capita income is $32,947. The poverty rate stands at 9.3% and the unemployment rate at 1.8%. Housing costs here run $143,700 for a typical home value (62% below the state average), with rent averaging $1,042 a month; 80.5% of homes are owner-occupied.

Educational attainment sits below the national norm: 18.9% of adults hold a bachelor's degree or higher, the median age is 43.6, and the average commute is 24 minutes. Beyond these figures, 6 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Cortland County, letting you compare 13101 to its immediate surroundings rather than a national baseline 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 →

Top industries in ZIP 13101

Top 5 sectors by establishment count in Mc Graw, NY

Which industries have the most business establishments in ZIP 13101.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

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 13101, Mc Graw, 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

2,508

Population

101.1

Area (sq mi)

25

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 13101?

43.6

Median Age

54.1%

Male

45.9%

Female

0.3%

Foreign-Born

White 95.7%
African American 0.3%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.2%
Hispanic or Latino 0.8%

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?

$63,587

Median Household Income

-31% vs state

$32,947

Per Capita Income

9.3%

Poverty Rate

1.8%

Unemployment Rate

23.6 min

Mean Commute Time

How ZIP 13101 ranks nationally

Mc Graw, NY household income vs. every US ZIP code

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

$63,587 36th percentile higher than 36% 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 59.6%
Bachelor's Degree or Higher 18.9%

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

What does housing look like?

1,032

Total Housing Units

996

Occupied Units

36

Vacant Units

2.35

Avg Household Size

Occupancy Type

Owner 80.5%
Renter 19.5%

$143,700

Median Home Value

-62% vs state

$1,042

Median Rent

1953

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 29 business establishments in ZIP 13101, employing approximately 177 people with a combined annual payroll of $7,103,000.

29

Businesses

177

Employees

$7.1M

Annual Payroll

5

Industry Sectors

Industry Establishments % of Total
Other services (except public administration) 7 24.1%
Accommodation and food services 6 20.7%
Construction 4 13.8%
Manufacturing 4 13.8%
Professional, scientific, and technical services 4 13.8%

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 13101 vs 13045 →

ZIP 13101 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 13101 ranks #5 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 13101 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 13101 ranks #7 of 7 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
13045 Cortland, NY 30,112 6.5 mi
13803 Marathon, NY 3,975 9.8 mi
13040 Cincinnatus, NY 2,758 7.3 mi
13087 Little York, NY 168 8.7 mi
13158 Truxton, NY 1,855 9.8 mi
13077 Homer, NY 6,735 10.3 mi

More ZIP Codes in Cortland County

13045 standard
Cortland, NY
Pop: 30,112
13077 standard
Homer, NY
Pop: 6,735
13803 standard
Marathon, NY
Pop: 3,975
13040 standard
Cincinnatus, NY
Pop: 2,758
13158 standard
Truxton, NY
Pop: 1,855
13863 standard
Willet, NY
Pop: 688

Related Areas

Cortland County Mc Graw, NY New York

Frequently Asked Questions

What county is ZIP code 13101 in? ▼
ZIP code 13101 (Mc Graw) is located in Cortland County, New York. Cortland County contains multiple ZIP codes, see the full list at /counties/cortland-ny.
What is the population of ZIP code 13101? ▼
ZIP code 13101 in Mc Graw, NY has a population of 2,508 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 13101? ▼
The median household income in ZIP 13101 is $63,587, which is 17% below the national average of $76,288.
What is the average home value in ZIP 13101? ▼
The median home value in ZIP 13101 is $143,700, which is 48% below the national average of $278,155.
What is the demographic makeup of ZIP 13101? ▼
The largest racial group in ZIP 13101 is White at 95.7%. Hispanic or Latino residents make up 0.8% of the population.
How many businesses are in ZIP code 13101? ▼
ZIP code 13101 has 29 business establishments employing approximately 177 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 13101? ▼
The top industries by establishment count in ZIP 13101 are: Other services (except public administration) (7), Accommodation and food services (6), Construction (4). There are 5 industry sectors represented in total.
What is the education level in ZIP code 13101? ▼
In ZIP code 13101, 59.6% of residents aged 25+ have a high school diploma or higher, and 18.9% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 13101? ▼
The mean commute time for workers in ZIP code 13101 is 23.6 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 13101? ▼
In ZIP code 13101, approximately 80.5% of occupied housing units are owner-occupied and 19.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 13101? ▼
The poverty rate in ZIP code 13101 is 9.3% 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.