Oneonta, NY · standard
ZIP Code 13820
Otsego County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 22,455
- 81/sq mi Moderate-density area
- $65,953
- Median income Near-median income area
- $182,000
- Median home value Near-median home value
- 41.1%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Oneonta pairs a below-median household income with below-median home values, in a rural, mixed-tenure area.
- 40th pct
- household income, US ZIPs
- 38th pct
- home value, US ZIPs
- 81
- people per sq mi
- 59%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 13820 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 13820 (Oneonta, NY) fell -2.0% from 2023 to 2024. The all-transactions index moved from 255.3 in 2023 to 250.2 in 2024 (2000 = 100).
ZIP code 13820 is a densely settled ZIP (a standard USPS delivery area) in Oneonta, Otsego County, New York, with 22,455 residents across 277.9 square miles, a density of 81 people per square mile, in the New York time zone.
ZIP 13820 reports a modest median household income of $65,953 (29% below the average New York ZIP), while per-capita income is $33,413. The poverty rate is 15.1%, with unemployment at 7.6%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $182,000 (52% below the average New York ZIP), and median rent is $1,024; owner occupancy is 59.0%.
A solid share of residents have a four-year degree: 41.1% of adults hold a bachelor's degree or higher, the median age is 31.8, and the average commute is 17 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Otsego County, so 13820 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 13820
Top 5 sectors by establishment count in Oneonta, NY
Which industries have the most business establishments in ZIP 13820.
- Retail trade
Retail trade
132 establishments
- Health care and social assistance
Health care and social assistance
102 establishments
- Accommodation and food services
Accommodation and food services
98 establishments
- Other services (except public administration)
Other services (except public administration)
68 establishments
- Professional, scientific, and technical services 49
Professional, scientific, and technical services
49 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 13820, Oneonta, 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
22,455
Population
277.9
Area (sq mi)
81
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 13820?
31.8
Median Age
48.7%
Male
51.3%
Female
4.5%
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?
$65,953
Median Household Income
-29% vs state ZIP avg
$33,413
Per Capita Income
15.1%
Poverty Rate
7.6%
Unemployment Rate
17.4 min
Mean Commute Time
How ZIP 13820 ranks among New York ZIPs
Oneonta, 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)
$65,953 25th percentile higher than 25% 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
10,193housing units
10,193
Total Housing Units
8,604
Occupied Units
1,589
Vacant Units
2.07
Avg Household Size
Occupancy Type
$182,000
Median Home Value
-52% vs state ZIP avg
$1,024
Median Rent
1947
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
-2.0%
YoY Change (2024)
250
HPI Index (2000 = 100)
+150%
Total Change Since 2000
Home values in ZIP 13820 have decreased 2.0% over the past year (2024). Since 2000, this ZIP has seen +150% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.5% | 186 |
| 2021 | +9.3% | 204 |
| 2022 | +10.8% | 225 |
| 2023 | +13.2% | 255 |
| 2024 | -2.0% | 250 |
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 645 business establishments in ZIP 13820, employing approximately 10,239 people with a combined annual payroll of $439,696,000.
645
Businesses
10,239
Employees
$439.7M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 132 | 20.5% |
| Health care and social assistance | 102 | 15.8% |
| Accommodation and food services | 98 | 15.2% |
| Other services (except public administration) | 68 | 10.5% |
| Professional, scientific, and technical services | 49 | 7.6% |
| Construction | 32 | 5.0% |
| Real estate and rental and leasing | 28 | 4.3% |
| Finance and insurance | 23 | 3.6% |
| Wholesale trade | 19 | 3.0% |
| Manufacturing | 17 | 2.6% |
| Information | 15 | 2.3% |
| Administrative and support and waste management and remediation services | 15 | 2.3% |
| Arts, entertainment, and recreation | 15 | 2.3% |
| Transportation and warehousing | 14 | 2.2% |
| Educational services | 8 | 1.2% |
| Utilities | 5 | 0.8% |
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 13820 vs 13846 →
ZIP 13820 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 13820
Oneonta (13820)
22,455 residents
- 12116 1,920
Maryland (12116)
1,920 residents
- 13796 1,236
Laurens (13796)
1,236 residents
- 13807 1,199
Milford (13807)
1,199 residents
- 13757 1,045
East Meredith (13757)
1,045 residents
- 13861 432
West Oneonta (13861)
432 residents
- 13846 305
Treadwell (13846)
305 residents
- 13806 205
Meridale (13806)
205 residents
- 13751 189
Davenport Center (13751)
189 residents
What this shows Among its immediate neighbors, ZIP 13820 ranks the most populous - useful context the national average alone can't give.
ZIP 13820 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 13860
West Davenport (13860)
$143,315 median income
- 13796
Laurens (13796)
$88,750 median income
- 12116
Maryland (12116)
$78,986 median income
- 13807
Milford (13807)
$77,083 median income
- 13757
East Meredith (13757)
$73,523 median income
- 13820
Oneonta (13820)
$65,953 median income
- 13861
West Oneonta (13861)
$57,847 median income
- 13834 $37,153
Portlandville (13834)
$37,153 median income
- 13846 $32,857
Treadwell (13846)
$32,857 median income
What this shows By household income, ZIP 13820 ranks #6 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 13846 | Treadwell, NY | 305 | 7.7 mi |
| 13860 | West Davenport, NY | 94 | 5.5 mi |
| 13834 | Portlandville, NY | 118 | 5.7 mi |
| 13861 | West Oneonta, NY | 432 | 5.9 mi |
| 13751 | Davenport Center, NY | 189 | 7.3 mi |
| 13796 | Laurens, NY | 1,236 | 7.3 mi |
| 13806 | Meridale, NY | 205 | 8.0 mi |
| 12116 | Maryland, NY | 1,920 | 7.7 mi |
| 13807 | Milford, NY | 1,199 | 9.7 mi |
| 13757 | East Meredith, NY | 1,045 | 8.3 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 13820, 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 (22,455 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 13820 in?
ZIP code 13820 (Oneonta) 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 13820?
ZIP code 13820 in Oneonta, NY has a population of 22,455 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 13820?
The median household income in ZIP 13820 is $65,953, which is 14% below the national average of $76,288.
What is the average home value in ZIP 13820?
The median home value in ZIP 13820 is $182,000, which is 35% below the national average of $278,155.
What is the demographic makeup of ZIP 13820?
The largest racial group in ZIP 13820 is White at 84.0%. Hispanic or Latino residents make up 7.1% of the population.
How many businesses are in ZIP code 13820?
ZIP code 13820 has 645 business establishments employing approximately 10,239 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 13820?
The top industries by establishment count in ZIP 13820 are: Retail trade (132), Health care and social assistance (102), Accommodation and food services (98). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 13820?
According to the FHFA House Price Index, home values in ZIP 13820 decreased by 2.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 150%. 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 13820?
In ZIP code 13820, 66.7% of residents aged 25+ have a high school diploma or higher, and 41.1% 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 13820?
The mean commute time for workers in ZIP code 13820 is 17.4 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 13820?
In ZIP code 13820, approximately 59.0% of occupied housing units are owner-occupied and 41.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 13820?
The poverty rate in ZIP code 13820 is 15.1% 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 13820's numbers, next.
- See how ZIP 13820 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Oneonta, 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.