Oswego, NY · standard
ZIP Code 13126
Oswego County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 37,205
- 143/sq mi High-density area
- $65,346
- Median income Near-median income area
- $145,400
- Median home value Below-median home value
- 27.4%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Oswego pairs a below-median household income with among the most affordable home values nationally, in a rural, homeowner-dominated area.
- 39th pct
- household income, US ZIPs
- 24th pct
- home value, US ZIPs
- 143
- people per sq mi
- 66%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 13126 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 13126 (Oswego, NY) rose +9.9% from 2023 to 2024. The all-transactions index moved from 214.1 in 2023 to 235.4 in 2024 (2000 = 100).
ZIP code 13126 is a densely settled ZIP (a standard USPS delivery area) in Oswego, Oswego County, New York, with 37,205 residents across 261.1 square miles, a density of 143 people per square mile, in the New York time zone.
ZIP 13126 reports a modest median household income of $65,346 (29% below the average New York ZIP), while per-capita income is $33,545. The poverty rate is 16.8%, with unemployment at 8.8%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $145,400 (62% below the average New York ZIP), and median rent is $1,064; owner occupancy is 65.5%.
Educational attainment sits below the national norm: 27.4% of adults hold a bachelor's degree or higher, the median age is 35, and the average commute is 20 minutes. The page also surfaces 3 ZIP codes within roughly 10 miles and 6 more in Oswego County, so 13126 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 →
Top industries in ZIP 13126
Top 5 sectors by establishment count in Oswego, NY
Which industries have the most business establishments in ZIP 13126.
- Retail trade
Retail trade
99 establishments
- Accommodation and food services
Accommodation and food services
98 establishments
- Health care and social assistance
Health care and social assistance
86 establishments
- Other services (except public administration)
Other services (except public administration)
82 establishments
- Construction
Construction
71 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 13126, Oswego, 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
37,205
Population
261.1
Area (sq mi)
143
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 13126?
35.0
Median Age
48.9%
Male
51.1%
Female
3.3%
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?
$65,346
Median Household Income
-29% vs state ZIP avg
$33,545
Per Capita Income
16.8%
Poverty Rate
8.8%
Unemployment Rate
19.7 min
Mean Commute Time
How ZIP 13126 ranks nationally
Oswego, NY household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$65,346 39th percentile higher than 39% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
15,648housing units
15,648
Total Housing Units
13,599
Occupied Units
2,049
Vacant Units
2.36
Avg Household Size
Occupancy Type
$145,400
Median Home Value
-62% vs state ZIP avg
$1,064
Median Rent
1960
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+9.9%
YoY Change (2024)
235
HPI Index (2000 = 100)
+135%
Total Change Since 2000
Home values in ZIP 13126 have increased 9.9% over the past year (2024). Since 2000, this ZIP has seen +135% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +8.4% | 144 |
| 2021 | +10.7% | 159 |
| 2022 | +18.1% | 188 |
| 2023 | +13.9% | 214 |
| 2024 | +9.9% | 235 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 668 business establishments in ZIP 13126, employing approximately 10,983 people with a combined annual payroll of $677,670,000.
668
Businesses
10,983
Employees
$677.7M
Annual Payroll
17
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 99 | 14.8% |
| Accommodation and food services | 98 | 14.7% |
| Health care and social assistance | 86 | 12.9% |
| Other services (except public administration) | 82 | 12.3% |
| Construction | 71 | 10.6% |
| Professional, scientific, and technical services | 47 | 7.0% |
| Finance and insurance | 40 | 6.0% |
| Real estate and rental and leasing | 28 | 4.2% |
| Administrative and support and waste management and remediation services | 22 | 3.3% |
| Wholesale trade | 16 | 2.4% |
| Transportation and warehousing | 15 | 2.3% |
| Arts, entertainment, and recreation | 15 | 2.3% |
| Manufacturing | 13 | 1.9% |
| Information | 12 | 1.8% |
| Utilities | 11 | 1.6% |
| Educational services | 8 | 1.2% |
| Management of companies and enterprises | 3 | 0.5% |
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 13126 vs 13115 →
ZIP 13126 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 13126
Oswego (13126)
37,205 residents
- 13069
Fulton (13069)
24,931 residents
- 13074 4,488
Hannibal (13074)
4,488 residents
- 13115 224
Minetto (13115)
224 residents
What this shows Among its immediate neighbors, ZIP 13126 ranks the most populous - useful context the national average alone can't give.
ZIP 13126 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 13074
Hannibal (13074)
$81,563 median income
- 13115
Minetto (13115)
$72,857 median income
- 13126
Oswego (13126)
$65,346 median income
- 13069
Fulton (13069)
$63,113 median income
What this shows By household income, ZIP 13126 ranks #3 of 4 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 13126, 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 (37,205 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 13126 in?
ZIP code 13126 (Oswego) 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 13126?
ZIP code 13126 in Oswego, NY has a population of 37,205 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 13126?
The median household income in ZIP 13126 is $65,346, which is 14% below the national average of $76,288.
What is the average home value in ZIP 13126?
The median home value in ZIP 13126 is $145,400, which is 48% below the national average of $278,155.
What is the demographic makeup of ZIP 13126?
The largest racial group in ZIP 13126 is White at 88.5%. Hispanic or Latino residents make up 5.4% of the population.
How many businesses are in ZIP code 13126?
ZIP code 13126 has 668 business establishments employing approximately 10,983 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 13126?
The top industries by establishment count in ZIP 13126 are: Retail trade (99), Accommodation and food services (98), Health care and social assistance (86). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 13126?
According to the FHFA House Price Index, home values in ZIP 13126 increased by 9.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 135%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 13126?
In ZIP code 13126, 62.7% of residents aged 25+ have a high school diploma or higher, and 27.4% 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 13126?
The mean commute time for workers in ZIP code 13126 is 19.7 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 13126?
In ZIP code 13126, approximately 65.5% of occupied housing units are owner-occupied and 34.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 13126?
The poverty rate in ZIP code 13126 is 16.8% 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 13126's numbers, next.
- See how ZIP 13126 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Oswego, 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.