Cherry Valley, NY · standard
ZIP Code 13320
Otsego County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 2,018
- 10/sq mi Low-density area
- $86,204
- Median income Above-median income area
- $184,600
- Median home value Near-median home value
- 35.5%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Cherry Valley pairs an above-median household income with below-median home values, in a rural, homeowner-dominated area.
- Top 31%
- household income, US ZIPs
- 39th pct
- home value, US ZIPs
- 10
- people per sq mi
- 94%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 13320 against every reporting US ZIP.
ZIP code 13320 covers 199.8 square miles in Cherry Valley, Otsego County, New York (a standard USPS delivery area), with a modest 2,018 residents on file, a density of 10 people per square mile, in the New York time zone.
ZIP 13320 lands in the middle-income range, with a median household income of $86,204 (7% below the average New York ZIP), while per-capita income is $42,326. The poverty rate is 9.6%, with unemployment at 4.0%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $184,600 (51% below the average New York ZIP), and median rent is $1,125; owner occupancy is 94.3%.
A solid share of residents have a four-year degree: 35.5% of adults hold a bachelor's degree or higher, the median age is 44.8, and the average commute is 26 minutes. The page also surfaces 6 ZIP codes within roughly 10 miles and 6 more in Otsego County, so 13320 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 13320
Top 5 sectors by establishment count in Cherry Valley, NY
Which industries have the most business establishments in ZIP 13320.
- Retail trade
Retail trade
5 establishments
- Other services (except public administration)
Other services (except public administration)
5 establishments
- Manufacturing
Manufacturing
3 establishments
- Wholesale trade
Wholesale trade
3 establishments
- Information
Information
3 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 13320, Cherry Valley, 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
2,018
Population
199.8
Area (sq mi)
10
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 13320?
44.8
Median Age
45.9%
Male
54.1%
Female
2.1%
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?
$86,204
Median Household Income
-7% vs state ZIP avg
$42,326
Per Capita Income
9.6%
Poverty Rate
4.0%
Unemployment Rate
26.4 min
Mean Commute Time
How ZIP 13320 ranks among New York ZIPs
Cherry Valley, 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)
$86,204 Top 44% higher than 56% 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
1,053housing units
1,053
Total Housing Units
750
Occupied Units
303
Vacant Units
2.62
Avg Household Size
Occupancy Type
$184,600
Median Home Value
-51% vs state ZIP avg
$1,125
Median Rent
1949
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 36 business establishments in ZIP 13320, employing approximately 103 people with a combined annual payroll of $4,425,000.
36
Businesses
103
Employees
$4.4M
Annual Payroll
8
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 5 | 13.9% |
| Other services (except public administration) | 5 | 13.9% |
| Manufacturing | 3 | 8.3% |
| Wholesale trade | 3 | 8.3% |
| Information | 3 | 8.3% |
| Professional, scientific, and technical services | 3 | 8.3% |
| Administrative and support and waste management and remediation services | 3 | 8.3% |
| Accommodation and food services | 3 | 8.3% |
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 13320 vs 13488 →
ZIP 13320 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 13320
Cherry Valley (13320)
2,018 residents
- 13361
Jordanville (13361)
824 residents
- 13468 451
Springfield Center (13468)
451 residents
- 13450 104
Roseboom (13450)
104 residents
- 13488 98
Westford (13488)
98 residents
- 13333 62
East Springfield (13333)
62 residents
- 13475 28
Van Hornesville (13475)
28 residents
What this shows Among its immediate neighbors, ZIP 13320 ranks the most populous - useful context the national average alone can't give.
ZIP 13320 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 13450
Roseboom (13450)
$119,167 median income
- 13361
Jordanville (13361)
$92,000 median income
- 13320
Cherry Valley (13320)
$86,204 median income
- 13468
Springfield Center (13468)
$62,727 median income
- 13475
Van Hornesville (13475)
$53,750 median income
- 13488
Westford (13488)
$52,159 median income
- 13333 $42,813
East Springfield (13333)
$42,813 median income
What this shows By household income, ZIP 13320 ranks #3 of 7 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 13320, 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 (2,018 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Otsego County
Related Areas
Frequently Asked Questions
What county is ZIP code 13320 in?
ZIP code 13320 (Cherry Valley) is located in Otsego County, New York. Otsego County contains multiple ZIP codes, see the full list at /counties/otsego-ny.
What is the population of ZIP code 13320?
ZIP code 13320 in Cherry Valley, NY has a population of 2,018 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 13320?
The median household income in ZIP 13320 is $86,204, which is 13% above the national average of $76,288.
What is the average home value in ZIP 13320?
The median home value in ZIP 13320 is $184,600, which is 34% below the national average of $278,155.
What is the demographic makeup of ZIP 13320?
The largest racial group in ZIP 13320 is White at 95.5%. Hispanic or Latino residents make up 2.0% of the population.
How many businesses are in ZIP code 13320?
ZIP code 13320 has 36 business establishments employing approximately 103 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 13320?
The top industries by establishment count in ZIP 13320 are: Retail trade (5), Other services (except public administration) (5), Manufacturing (3). There are 8 industry sectors represented in total.
What is the education level in ZIP code 13320?
In ZIP code 13320, 65.6% of residents aged 25+ have a high school diploma or higher, and 35.5% 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 13320?
The mean commute time for workers in ZIP code 13320 is 26.4 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 13320?
In ZIP code 13320, approximately 94.3% of occupied housing units are owner-occupied and 5.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 13320?
The poverty rate in ZIP code 13320 is 9.6% 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 13320's numbers, next.
- See how ZIP 13320 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Cherry Valley, 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.