PlainZIP

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
$72,769
Median income
$156,400
Median home value
26.8%
Bachelor's or higher

The verdict

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.

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 New York average), while per-capita income is $42,066. Local economic indicators show a 19.5% poverty rate alongside 5.8% unemployment. The typical home here is valued at $156,400 (59% below the state average); renters pay a median of $915 monthly, and 71.3% of units are owner-occupied.

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. A geography-based comparison follows: 5 ZIP codes within about 10 miles of 13827, plus 6 more within Tioga 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 13827

Top 5 sectors by establishment count in Owego, NY

Which industries have the most business establishments in ZIP 13827.

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 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

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 13827?

44.4

Median Age

49.6%

Male

50.4%

Female

2.0%

Foreign-Born

White 92.9%
African American 1.0%
Asian 1.3%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.0%
Hispanic or Latino 2.4%

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

$42,066

Per Capita Income

19.5%

Poverty Rate

5.8%

Unemployment Rate

21.9 min

Mean Commute Time

How ZIP 13827 ranks nationally

Owego, NY household income vs. every US ZIP code

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

$72,769 Top 49% higher than 51% 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 59.0%
Bachelor's Degree or Higher 26.8%

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

What does housing look like?

5,336

Total Housing Units

4,947

Occupied Units

389

Vacant Units

2.33

Avg Household Size

Occupancy Type

Owner 71.3%
Renter 28.7%

$156,400

Median Home Value

-59% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 13827 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 13827 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 13827 ranks #4 of 5 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
13732 Apalachin, NY 8,153 6.5 mi
13845 Tioga Center, NY 83 6.4 mi
13812 Nichols, NY 2,348 7.6 mi
13743 Candor, NY 3,806 8.4 mi
13811 Newark Valley, NY 4,354 9.2 mi

More ZIP Codes in Tioga County

14892 standard
Waverly, NY
Pop: 8,189
13732 standard
Apalachin, NY
Pop: 8,153
13811 standard
Newark Valley, NY
Pop: 4,354
14883 standard
Spencer, NY
Pop: 4,136
13743 standard
Candor, NY
Pop: 3,806
13812 standard
Nichols, NY
Pop: 2,348

Related Areas

Tioga County Owego, NY New York

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.

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