Owego, NY · standard
ZIP Code 13827
Tioga County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 11,759
- 50/sq mi Moderate-density area
- $72,769
- Median income Near-median income area
- $156,400
- Median home value Below-median home value
- 26.8%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Owego pairs an above-median household income with below-median home values, in a rural, homeowner-dominated area.
- Top 49%
- household income, US ZIPs
- 28th pct
- home value, US ZIPs
- 50
- people per sq mi
- 71%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 13827 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 13827 (Owego, NY) fell -3.5% from 2023 to 2024. The all-transactions index moved from 238.9 in 2023 to 230.4 in 2024 (2000 = 100).
ZIP code 13827 is a mid-sized community (a standard USPS delivery area) in Owego, Tioga County, New York, home to 11,759 residents across 237.1 square miles, a density of 50 people per square mile, in the New York time zone.
ZIP 13827 lands in the middle-income range, with a median household income of $72,769 (21% below the average New York ZIP), while per-capita income is $42,066. The poverty rate is 19.5%, with unemployment at 5.8%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $156,400 (59% below the average New York ZIP), and median rent is $915; owner occupancy is 71.3%.
Educational attainment sits below the national norm: 26.8% of adults hold a bachelor's degree or higher, the median age is 44.4, and the average commute is 22 minutes. The page also surfaces 5 ZIP codes within roughly 10 miles and 6 more in Tioga County, so 13827 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 13827
Top 5 sectors by establishment count in Owego, NY
Which industries have the most business establishments in ZIP 13827.
- Retail trade
Retail trade
50 establishments
- Accommodation and food services
Accommodation and food services
38 establishments
- Health care and social assistance
Health care and social assistance
34 establishments
- Other services (except public administration)
Other services (except public administration)
31 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
30 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 13827, Owego, 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
11,759
Population
237.1
Area (sq mi)
50
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 13827?
44.4
Median Age
49.6%
Male
50.4%
Female
2.0%
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?
$72,769
Median Household Income
-21% vs state ZIP avg
$42,066
Per Capita Income
19.5%
Poverty Rate
5.8%
Unemployment Rate
21.9 min
Mean Commute Time
How ZIP 13827 ranks among New York ZIPs
Owego, 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)
$72,769 36th percentile higher than 36% 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
5,336housing units
5,336
Total Housing Units
4,947
Occupied Units
389
Vacant Units
2.33
Avg Household Size
Occupancy Type
$156,400
Median Home Value
-59% vs state ZIP avg
$915
Median Rent
1958
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
-3.5%
YoY Change (2024)
230
HPI Index (2000 = 100)
+130%
Total Change Since 2000
Home values in ZIP 13827 have decreased 3.5% over the past year (2024). Since 2000, this ZIP has seen +130% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +8.8% | 176 |
| 2021 | +10.1% | 194 |
| 2022 | +7.4% | 208 |
| 2023 | +14.9% | 239 |
| 2024 | -3.5% | 230 |
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 298 business establishments in ZIP 13827, employing approximately 5,540 people with a combined annual payroll of $454,251,000.
298
Businesses
5,540
Employees
$454.3M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 50 | 16.8% |
| Accommodation and food services | 38 | 12.8% |
| Health care and social assistance | 34 | 11.4% |
| Other services (except public administration) | 31 | 10.4% |
| Professional, scientific, and technical services | 30 | 10.1% |
| Construction | 27 | 9.1% |
| Manufacturing | 16 | 5.4% |
| Finance and insurance | 16 | 5.4% |
| Administrative and support and waste management and remediation services | 10 | 3.4% |
| Information | 9 | 3.0% |
| Real estate and rental and leasing | 8 | 2.7% |
| Wholesale trade | 7 | 2.4% |
| Transportation and warehousing | 7 | 2.4% |
| Arts, entertainment, and recreation | 6 | 2.0% |
| Utilities | 3 | 1.0% |
| Educational services | 3 | 1.0% |
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 13827 vs 13732 →
ZIP 13827 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 13827
Owego (13827)
11,759 residents
- 13732
Apalachin (13732)
8,153 residents
- 13811 4,354
Newark Valley (13811)
4,354 residents
- 13743 3,806
Candor (13743)
3,806 residents
- 13812 2,348
Nichols (13812)
2,348 residents
- 13845 83
Tioga Center (13845)
83 residents
What this shows Among its immediate neighbors, ZIP 13827 ranks the most populous - useful context the national average alone can't give.
ZIP 13827 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 13732
Apalachin (13732)
$88,750 median income
- 13812
Nichols (13812)
$82,679 median income
- 13811
Newark Valley (13811)
$78,418 median income
- 13827
Owego (13827)
$72,769 median income
- 13743
Candor (13743)
$51,364 median income
What this shows By household income, ZIP 13827 ranks #4 of 5 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 13827, 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 (11,759 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Tioga County
Related Areas
Frequently Asked Questions
What county is ZIP code 13827 in?
ZIP code 13827 (Owego) is located in Tioga County, New York. Tioga County contains multiple ZIP codes, see the full list at /counties/tioga-ny.
What is the population of ZIP code 13827?
ZIP code 13827 in Owego, NY has a population of 11,759 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 13827?
The median household income in ZIP 13827 is $72,769, which is 5% below the national average of $76,288.
What is the average home value in ZIP 13827?
The median home value in ZIP 13827 is $156,400, which is 44% below the national average of $278,155.
What is the demographic makeup of ZIP 13827?
The largest racial group in ZIP 13827 is White at 92.9%. Hispanic or Latino residents make up 2.4% of the population.
How many businesses are in ZIP code 13827?
ZIP code 13827 has 298 business establishments employing approximately 5,540 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 13827?
The top industries by establishment count in ZIP 13827 are: Retail trade (50), Accommodation and food services (38), Health care and social assistance (34). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 13827?
According to the FHFA House Price Index, home values in ZIP 13827 decreased by 3.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 130%. 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 13827?
In ZIP code 13827, 59.0% of residents aged 25+ have a high school diploma or higher, and 26.8% 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 13827?
The mean commute time for workers in ZIP code 13827 is 21.9 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 13827?
In ZIP code 13827, approximately 71.3% of occupied housing units are owner-occupied and 28.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 13827?
The poverty rate in ZIP code 13827 is 19.5% 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 13827's numbers, next.
- See how ZIP 13827 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Owego, 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.