ZIP Code 13324

ZIP code 13324 is classified by USPS as a standard delivery area and covers roughly 307.0 square miles in Cold Brook, Herkimer County, New York. The area is home to 2,149 residents, producing a population density of 7 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 13324 against New York and the nation.

On the economic side, the median household income for ZIP 13324 sits at $86,176 (7% below the New York average), while per-capita income is $56,437. The poverty rate stands at 9.0% and the unemployment rate at 2.5%. On housing, the median home value is $179,300 (53% below the state average) with median rent at $808 per month, and 91.9% of occupied units are owner-occupied, a direct signal of whether 13324 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 17.9% of adults hold a bachelor's degree or higher, the median age is 54.9, and the average commute is 38 minutes. We also surface 2 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Herkimer County, so you can benchmark 13324 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →