Cooperstown, NY · standard
ZIP Code 13326
Otsego County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 5,561
- 23/sq mi Moderate-density area
- $80,040
- Median income Near-median income area
- $340,100
- Median home value Above-median home value
- 50.5%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Cooperstown pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.
- Top 38%
- household income, US ZIPs
- Top 28%
- home value, US ZIPs
- 23
- people per sq mi
- 74%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 13326 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 13326 (Cooperstown, NY) rose +12.3% from 2023 to 2024. The all-transactions index moved from 243.8 in 2023 to 273.8 in 2024 (2000 = 100).
ZIP code 13326 is a mid-sized community (a standard USPS delivery area) in Cooperstown, Otsego County, New York, home to 5,561 residents across 247.2 square miles, a density of 23 people per square mile, in the New York time zone.
ZIP 13326 lands in the middle-income range, with a median household income of $80,040 (13% below the average New York ZIP), while per-capita income is $54,422. The poverty rate is 8.3%, with unemployment at 6.3%; those measures add context to the income figure. Median home value is $340,100 (10% below the average New York ZIP) and median rent is $1,184; 74.4% of occupied homes are owner-occupied.
This is a highly-educated ZIP: 50.5% of adults hold a bachelor's degree or higher, the median age is 54.7, and the average commute is 16 minutes. The page also surfaces 7 ZIP codes within roughly 10 miles and 6 more in Otsego County, so 13326 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 13326
Top 5 sectors by establishment count in Cooperstown, NY
Which industries have the most business establishments in ZIP 13326.
- Accommodation and food services
Accommodation and food services
43 establishments
- Retail trade
Retail trade
37 establishments
- Other services (except public administration)
Other services (except public administration)
18 establishments
- Professional, scientific, and technical services 14
Professional, scientific, and technical services
14 establishments
- Health care and social assistance 14
Health care and social assistance
14 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 13326, Cooperstown, 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
5,561
Population
247.2
Area (sq mi)
23
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 13326?
54.7
Median Age
50.6%
Male
49.4%
Female
9.7%
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?
$80,040
Median Household Income
-13% vs state ZIP avg
$54,422
Per Capita Income
8.3%
Poverty Rate
6.3%
Unemployment Rate
15.5 min
Mean Commute Time
How ZIP 13326 ranks among New York ZIPs
Cooperstown, 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)
$80,040 47th percentile higher than 47% 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
2,699housing units
2,699
Total Housing Units
1,911
Occupied Units
788
Vacant Units
2.22
Avg Household Size
Occupancy Type
$340,100
Median Home Value
-10% vs state ZIP avg
$1,184
Median Rent
1953
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
+12.3%
YoY Change (2024)
274
HPI Index (2000 = 100)
+174%
Total Change Since 2000
Home values in ZIP 13326 have increased 12.3% over the past year (2024). Since 2000, this ZIP has seen +174% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | -0.1% | 192 |
| 2021 | +7.0% | 205 |
| 2022 | +14.7% | 235 |
| 2023 | +3.7% | 244 |
| 2024 | +12.3% | 274 |
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 196 business establishments in ZIP 13326, employing approximately 4,712 people with a combined annual payroll of $393,185,000.
196
Businesses
4,712
Employees
$393.2M
Annual Payroll
12
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Accommodation and food services | 43 | 21.9% |
| Retail trade | 37 | 18.9% |
| Other services (except public administration) | 18 | 9.2% |
| Professional, scientific, and technical services | 14 | 7.1% |
| Health care and social assistance | 14 | 7.1% |
| Finance and insurance | 13 | 6.6% |
| Arts, entertainment, and recreation | 13 | 6.6% |
| Construction | 10 | 5.1% |
| Real estate and rental and leasing | 9 | 4.6% |
| Manufacturing | 7 | 3.6% |
| Administrative and support and waste management and remediation services | 6 | 3.1% |
| Transportation and warehousing | 3 | 1.5% |
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 13326 vs 13450 →
ZIP 13326 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 13326
Cooperstown (13326)
5,561 residents
- 13439
Richfield Springs (13439)
3,950 residents
- 12155 1,977
Schenevus (12155)
1,977 residents
- 13807 1,199
Milford (13807)
1,199 residents
- 13337 790
Fly Creek (13337)
790 residents
- 13468 451
Springfield Center (13468)
451 residents
- 13450 104
Roseboom (13450)
104 residents
- 13333 62
East Springfield (13333)
62 residents
What this shows Among its immediate neighbors, ZIP 13326 ranks the most populous - useful context the national average alone can't give.
ZIP 13326 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
- 13337
Fly Creek (13337)
$99,375 median income
- 13326
Cooperstown (13326)
$80,040 median income
- 13807
Milford (13807)
$77,083 median income
- 13439
Richfield Springs (13439)
$65,761 median income
- 13468
Springfield Center (13468)
$62,727 median income
- 12155
Schenevus (12155)
$62,361 median income
- 13333 $42,813
East Springfield (13333)
$42,813 median income
What this shows By household income, ZIP 13326 ranks #3 of 8 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 13326, 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 (5,561 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 13326 in?
ZIP code 13326 (Cooperstown) 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 13326?
ZIP code 13326 in Cooperstown, NY has a population of 5,561 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 13326?
The median household income in ZIP 13326 is $80,040, which is 5% above the national average of $76,288.
What is the average home value in ZIP 13326?
The median home value in ZIP 13326 is $340,100, which is 22% above the national average of $278,155.
What is the demographic makeup of ZIP 13326?
The largest racial group in ZIP 13326 is White at 88.4%. Hispanic or Latino residents make up 2.9% of the population.
How many businesses are in ZIP code 13326?
ZIP code 13326 has 196 business establishments employing approximately 4,712 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 13326?
The top industries by establishment count in ZIP 13326 are: Accommodation and food services (43), Retail trade (37), Other services (except public administration) (18). There are 12 industry sectors represented in total.
How have home values changed in ZIP code 13326?
According to the FHFA House Price Index, home values in ZIP 13326 increased by 12.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 174%. 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 13326?
In ZIP code 13326, 72.6% of residents aged 25+ have a high school diploma or higher, and 50.5% 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 13326?
The mean commute time for workers in ZIP code 13326 is 15.5 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 13326?
In ZIP code 13326, approximately 74.4% of occupied housing units are owner-occupied and 25.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 13326?
The poverty rate in ZIP code 13326 is 8.3% 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 13326's numbers, next.
- See how ZIP 13326 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Cooperstown, 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.