ZIP Code 13820

ZIP code 13820 is classified by USPS as a standard delivery area and covers roughly 277.9 square miles in Oneonta, Otsego County, New York. The area is home to 22,455 residents, producing a population density of 81 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 13820 against New York and the nation.

On the economic side, the median household income for ZIP 13820 sits at $65,953 (29% below the New York average), while per-capita income is $33,413. The poverty rate stands at 15.1% and the unemployment rate at 7.6%. On housing, the median home value is $182,000 (52% below the state average) with median rent at $1,024 per month, and 59.0% of occupied units are owner-occupied, a direct signal of whether 13820 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 41.1% of adults hold a bachelor's degree or higher, the median age is 31.8, and the average commute is 17 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Otsego County, so you can benchmark 13820 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 →