PlainZIP

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
$65,346
Median income
$145,400
Median home value
27.4%
Bachelor's or higher

The verdict

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.

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 New York average), while per-capita income is $33,545. Local economic indicators show a 16.8% poverty rate alongside 8.8% unemployment. The typical home here is valued at $145,400 (62% below the state average); renters pay a median of $1,064 monthly, and 65.5% of units are owner-occupied.

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. Beyond these figures, 3 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Oswego County, letting you compare 13126 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 13126

Top 5 sectors by establishment count in Oswego, NY

Which industries have the most business establishments in ZIP 13126.

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 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

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 13126?

35.0

Median Age

48.9%

Male

51.1%

Female

3.3%

Foreign-Born

White 88.5%
African American 2.3%
Asian 1.7%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 5.6%
Hispanic or Latino 5.4%

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

$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

$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 62.7%
Bachelor's Degree or Higher 27.4%

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

What does housing look like?

15,648

Total Housing Units

13,599

Occupied Units

2,049

Vacant Units

2.36

Avg Household Size

Occupancy Type

Owner 65.5%
Renter 34.5%

$145,400

Median Home Value

-62% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 13126 ranks the most populous - useful context the national average alone can't give.

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

ZIP 13126 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 13126 ranks #3 of 4 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
13115 Minetto, NY 224 2.6 mi
13069 Fulton, NY 24,931 8.2 mi
13074 Hannibal, NY 4,488 9.6 mi

More ZIP Codes in Oswego County

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
13074 standard
Hannibal, NY
Pop: 4,488

Related Areas

Oswego County Oswego, NY New York

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.

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