PlainZIP

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
$80,040
Median income
$340,100
Median home value
50.5%
Bachelor's or higher

The verdict

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.

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 New York average), while per-capita income is $54,422. 8.3% of residents live below the poverty line, and the unemployment rate reads 6.3%. On housing, the median home value is $340,100 (10% below the state average) with median rent at $1,184 per month, and 74.4% of occupied units 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. To put 13326 in local context, 7 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 13326

Top 5 sectors by establishment count in Cooperstown, NY

Which industries have the most business establishments in ZIP 13326.

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 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

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 13326?

54.7

Median Age

50.6%

Male

49.4%

Female

9.7%

Foreign-Born

White 88.4%
African American 2.2%
Asian 4.1%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.5%
Hispanic or Latino 2.9%

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

$54,422

Per Capita Income

8.3%

Poverty Rate

6.3%

Unemployment Rate

15.5 min

Mean Commute Time

How ZIP 13326 ranks nationally

Cooperstown, NY household income vs. every US ZIP code

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

$80,040 Top 38% higher than 62% 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 72.6%
Bachelor's Degree or Higher 50.5%

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

What does housing look like?

2,699

Total Housing Units

1,911

Occupied Units

788

Vacant Units

2.22

Avg Household Size

Occupancy Type

Owner 74.4%
Renter 25.6%

$340,100

Median Home Value

-10% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 13326 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 13326 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 13326 ranks #3 of 8 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
13450 Roseboom, NY 104 4.9 mi
13337 Fly Creek, NY 790 4.7 mi
13468 Springfield Center, NY 451 9.4 mi
13807 Milford, NY 1,199 8.4 mi
12155 Schenevus, NY 1,977 9.2 mi
13333 East Springfield, NY 62 9.2 mi
13439 Richfield Springs, NY 3,950 10.8 mi

More ZIP Codes in Otsego County

13820 standard
Oneonta, NY
Pop: 22,455
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
13320 standard
Cherry Valley, NY
Pop: 2,018

Related Areas

Otsego County Cooperstown, NY New York

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.

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