PlainZIP

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
$86,204
Median income
$184,600
Median home value
35.5%
Bachelor's or higher

The verdict

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 New York average), while per-capita income is $42,326. Poverty here runs at 9.6%, with unemployment measured at 4.0%. On housing, the median home value is $184,600 (51% below the state average) with median rent at $1,125 per month, and 94.3% of occupied units are owner-occupied.

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. To put 13320 in local context, 6 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Otsego County, for a geography-aware comparison.

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.

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 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

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 13320?

44.8

Median Age

45.9%

Male

54.1%

Female

2.1%

Foreign-Born

White 95.5%
African American 0.1%
Asian 0.3%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.0%
Hispanic or Latino 2.0%

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

$42,326

Per Capita Income

9.6%

Poverty Rate

4.0%

Unemployment Rate

26.4 min

Mean Commute Time

How ZIP 13320 ranks nationally

Cherry Valley, NY household income vs. every US ZIP code

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

$86,204 Top 31% higher than 69% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $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 65.6%
Bachelor's Degree or Higher 35.5%

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

What does housing look like?

1,053

Total Housing Units

750

Occupied Units

303

Vacant Units

2.62

Avg Household Size

Occupancy Type

Owner 94.3%
Renter 5.7%

$184,600

Median Home Value

-51% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 13320 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 13320 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 13320 ranks #3 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
13488 Westford, NY 98 6.0 mi
13333 East Springfield, NY 62 5.8 mi
13450 Roseboom, NY 104 6.4 mi
13468 Springfield Center, NY 451 7.6 mi
13475 Van Hornesville, NY 28 9.3 mi
13361 Jordanville, NY 824 10.9 mi

More ZIP Codes in Otsego County

13820 standard
Oneonta, NY
Pop: 22,455
13326 standard
Cooperstown, NY
Pop: 5,561
13849 standard
Unadilla, NY
Pop: 4,551
13439 standard
Richfield Springs, NY
Pop: 3,950
13825 standard
Otego, NY
Pop: 3,442
12197 standard
Worcester, NY
Pop: 2,233

Related Areas

Otsego County Cherry Valley, NY New York

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.

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