Residential delivery area · New York
ZIP Code 13820: Oneonta, NY
ZIP code 13820 uses the postal name Oneonta, New York and lies mostly in Otsego County (70% of its land) with the rest in Delaware County (Census 2020 ZIP-county file). About 23,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $65,953 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Oneonta (4%) and West End (3%), and under 1% in smaller places; 92% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Oneonta · its only residential ZIP
- County
- Otsego County (70%); Delaware County (30%)
- Census places
- Oneonta (4%); West End (3%) census-designated place
- Micro area
- Oneonta, NY
- House district
- NY-19 119th Congress
- State
- New York
- Time zone
- Eastern
- Land area
- 107.3 sq mi · 215 people per sq mi
Where is ZIP code 13820?
13820 centers on 42.483°, -75.037° and covers 107.3 square miles of land plus 0.6 of water. It borders 12 ZIP codes: 13747, 13860, 13861, 13834, 13796, 12116, 13806, 13846, 13751, 13825 and more.
The map draws ZIP code areas only. For the streets inside 13820, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 13820 compare with the rest of Otsego County?
| Measure | 13820 | In Otsego County | In NY |
|---|---|---|---|
| People (ACS 2020-2024) | 23,056 | 1st of 46 | 281st of 1,826 |
| Median household income | $66k | 12th of 22 | 840th of 1,081 |
| Median home value | $182k | 8th of 26 | 839th of 1,172 |
Its median household income is higher than in 40% of U.S. residential ZIP codes, and it is denser than 63% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 13820?
The 2020 Census counted 21,605 people in 13820; the ACS, which samples households over 2020-2024, estimates 23,056. Between the 2010 and 2020 censuses its population fell 3.8% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 23,056
- 2020 Census count
- 21,605−3.8% since 2010 (22,455)
- Households
- 8,604
- Median age
- 31.8
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 13820?
Of the 23,056 people the ACS estimates in 13820, 10.8% are under 18 and 18.7% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (81.9%).
- Under 1810.8%
- 18 to 6470.5%
- 65 and older18.7%
- White, not Hispanic81.9%
- Hispanic or Latino7.1%
- Black, not Hispanic4.9%
- Other or two or more4.2%
- Asian, not Hispanic1.9%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 13820 earn?
Median household income is $65,953 (ACS 2020-2024), the 12th highest of the 22 ranked ZIP codes in Otsego County. It is not measurably different from 2015-2019 ($61,637 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $65,953
- Income per person
- $33,413
- Below the poverty line
- 15.1%
- Unemployed (of the labor force)
- 7.6%
- Adults 25+ with a bachelor's degree
- 41.1%
- Adjusted gross income per tax return, 2022
- $65,1677,740 returns; wages 64% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 13820?
FHFA's house price index for 13820, built from repeat sales and appraisals of the same homes, rose 54% from 2015 to 2025 and rose 45% from 2020 to 2025, and moved +7.2% in 2025.
- Median home value (owners' estimate)
- $182,000
- Median gross rent
- $1,024
- Homes owned by their occupants
- 59.0%
- Housing units
- 10,193
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 13820?
645 business establishments had a location in this ZIP code in 2023, 33 fewer than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade132
- Health care and social assistance102
- Accommodation and food services98
- Other services (except public administration)68
- Professional, scientific, and technical services49
- Construction32
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 13820?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 13747 | Colliersville | 0 | – | 2.8 mi |
| 13860 | West Davenport | 257 | $143k | 5.0 mi |
| 13861 | West Oneonta | 462 | $58k | 5.4 mi |
| 13834 | Portlandville | 92 | $37k | 5.8 mi |
| 13796 | Laurens | 1,210 | $89k | 7.0 mi |
| 12116 | Maryland | 1,787 | $79k | 7.5 mi |
| 13806 | Meridale | 143 | – | 7.7 mi |
| 13846 | Treadwell | 308 | $33k | 8.3 mi |
| 13751 | Davenport Center | 297 | – | 8.4 mi |
| 13825 | Otego | 2,903 | $77k | 9.2 mi |
| 13810 | Mount Vision | 1,090 | $94k | 9.3 mi |
| 13807 | Milford | 1,218 | $77k | 9.8 mi |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.