PlainZIP

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
$65,953
Median income
$182,000
Median home value
41.1%
Bachelor's or higher

The verdict

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.

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 New York average), while per-capita income is $33,413. 15.1% of residents live below the poverty line, and the unemployment rate reads 7.6%. Median home value sits at $182,000 (52% below the state average), median rent at $1,024 a month, and owner-occupancy at 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. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 13820, plus 6 more within Otsego County, give a clearer read than the national average alone.

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.

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 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

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 13820?

31.8

Median Age

48.7%

Male

51.3%

Female

4.5%

Foreign-Born

White 84.0%
African American 5.0%
Asian 1.9%
American Indian or Alaska Native 0.4%
Native Hawaiian or Pacific Islander 0.2%
Two or More Ethnicities 6.3%
Hispanic or Latino 7.1%

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

$33,413

Per Capita Income

15.1%

Poverty Rate

7.6%

Unemployment Rate

17.4 min

Mean Commute Time

How ZIP 13820 ranks nationally

Oneonta, NY household income vs. every US ZIP code

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

$65,953 40th percentile higher than 40% 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%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $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 66.7%
Bachelor's Degree or Higher 41.1%

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

What does housing look like?

10,193

Total Housing Units

8,604

Occupied Units

1,589

Vacant Units

2.07

Avg Household Size

Occupancy Type

Owner 59.0%
Renter 41.0%

$182,000

Median Home Value

-52% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 13820 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 13820 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 13820 ranks #6 of 9 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
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

More ZIP Codes in Otsego County

13326 standard
Cooperstown, NY
Pop: 5,561
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 Oneonta, NY New York

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.

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