Cold Brook, NY · standard
ZIP Code 13324
Herkimer County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 2,149
- 7/sq mi Low-density area
- $86,176
- Median income Above-median income area
- $179,300
- Median home value Near-median home value
- 17.9%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Cold Brook pairs an above-median household income with below-median home values, in a rural, homeowner-dominated area.
- Top 31%
- household income, US ZIPs
- 38th pct
- home value, US ZIPs
- 7
- people per sq mi
- 92%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 13324 against every reporting US ZIP.
ZIP code 13324 covers 307.0 square miles in Cold Brook, Herkimer County, New York (a standard USPS delivery area), with a modest 2,149 residents on file, a density of 7 people per square mile, in the New York time zone.
ZIP 13324 lands in the middle-income range, with a median household income of $86,176 (7% below the average New York ZIP), while per-capita income is $56,437. The poverty rate is 9.0%, with unemployment at 2.5%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $179,300 (53% below the average New York ZIP), and median rent is $808; owner occupancy is 91.9%.
Educational attainment sits below the national norm: 17.9% of adults hold a bachelor's degree or higher, the median age is 54.9, and the average commute is 38 minutes. The page also surfaces 2 ZIP codes within roughly 10 miles and 6 more in Herkimer County, so 13324 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 →
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 13324, Cold Brook, 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
2,149
Population
307.0
Area (sq mi)
7
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 13324?
54.9
Median Age
54.0%
Male
46.0%
Female
2.7%
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?
$86,176
Median Household Income
-7% vs state ZIP avg
$56,437
Per Capita Income
9.0%
Poverty Rate
2.5%
Unemployment Rate
38.3 min
Mean Commute Time
How ZIP 13324 ranks among New York ZIPs
Cold Brook, 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)
$86,176 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
1,356housing units
1,356
Total Housing Units
778
Occupied Units
578
Vacant Units
2.22
Avg Household Size
Occupancy Type
$179,300
Median Home Value
-53% vs state ZIP avg
$808
Median Rent
1975
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 12 business establishments in ZIP 13324, employing approximately 96 people with a combined annual payroll of $4,077,000.
12
Businesses
96
Employees
$4.1M
Annual Payroll
2
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Accommodation and food services | 4 | 33.3% |
| Construction | 3 | 25.0% |
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 13324 vs 13416 →
ZIP 13324 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 13416
Newport (13416)
2,271 residents
- 13324
Cold Brook (13324)
2,149 residents
- 13431
Poland (13431)
2,069 residents
What this shows Among its immediate neighbors, ZIP 13324 ranks #2 by population - useful context the national average alone can't give.
ZIP 13324 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 13324
Cold Brook (13324)
$86,176 median income
- 13416
Newport (13416)
$85,128 median income
- 13431
Poland (13431)
$76,000 median income
What this shows By household income, ZIP 13324 ranks the highest of 3 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 13324, 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 (2,149 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Herkimer County
Related Areas
Frequently Asked Questions
What county is ZIP code 13324 in?
ZIP code 13324 (Cold Brook) is located in Herkimer County, New York. Herkimer County contains multiple ZIP codes, see the full list at /counties/herkimer-ny.
What is the population of ZIP code 13324?
ZIP code 13324 in Cold Brook, NY has a population of 2,149 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 13324?
The median household income in ZIP 13324 is $86,176, which is 13% above the national average of $76,288.
What is the average home value in ZIP 13324?
The median home value in ZIP 13324 is $179,300, which is 36% below the national average of $278,155.
What is the demographic makeup of ZIP 13324?
The largest racial group in ZIP 13324 is White at 95.4%. Hispanic or Latino residents make up 0.7% of the population.
How many businesses are in ZIP code 13324?
ZIP code 13324 has 12 business establishments employing approximately 96 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What is the education level in ZIP code 13324?
In ZIP code 13324, 57.2% of residents aged 25+ have a high school diploma or higher, and 17.9% 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 13324?
The mean commute time for workers in ZIP code 13324 is 38.3 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 13324?
In ZIP code 13324, approximately 91.9% of occupied housing units are owner-occupied and 8.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 13324?
The poverty rate in ZIP code 13324 is 9.0% 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 13324's numbers, next.
- See how ZIP 13324 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Cold Brook, 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.