13784 ZIP Code — Harford, NY

Cortland County, New York

ZIP code 13784 is located in Harford, New York, within Cortland County. It covers approximately 1.03 square miles and serves a population of 294 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 607.

About ZIP code 13784

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $9,999. Owner-occupancy sits near the national average at 67%.

Median household income is $71,224. Poverty affects 23% of residents, above the national average.

The dominant occupation class is service, with professional and management as the leading industry. The average commute of 27 minutes is near the national average.

College attainment at 6% is below the national average, consistent with a trades and production-oriented local economy.

Overall, ZIP code 13784 reflects a community defined by a trades-oriented workforce and economic challenges above the national average.

294

population

1.03

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

13784 ZIP code map

Cities in ZIP code 13784

Below are the cities the US Postal Service accepts for ZIP code 13784. Using any city not on this list may result in mail delivery delays.

City	Status
Harford	Acceptable

Demographics updated 06/2026

Population
Total population	294
Population density	285 / sq mi
State FIPS	36
County FIPS	023

Geography
Land area	1.03 sq mi
Water area	0.00 sq mi
Latitude	42.4178
Longitude	-76.2430
Timezone	Eastern (ET)
Area code	607

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	13.1%	42.3%	37.0%
$50k – $100k	78.6%	34.5%	27.0%
$100k – $200k	8.3%	20.0%	24.4%
Over $200k	0.0%	3.2%	11.5%

Demographics & statistics

294

Population

285

People per sq mi

46.2

Median age

$71,224

Median household income

$25,218

Per capita income

$9,999

Median home value

$1,000

Median monthly rent

66.9%

Home ownership

23.1%

Poverty rate

0.0%

Unemployment

Housing units

6.3%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

← Male

Female →

Age summary

Group	Count	%
Under 18	62	21.1%
18 and over	232	78.9%
65 and over	46	15.6%
Median age	46.2 years

Race & ethnicity

White 100%

Group	Count	%
White	294	100%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	13.1%	42.3%	37.0%
$50k – $100k	78.6%	34.5%	27.0%
$100k – $200k	8.3%	20.0%	24.4%
Over $200k	0.0%	3.2%	11.5%

Under $10k 12.6%

$10k–$15k 10.2%

$35k–$50k 3.9%

$50k–$75k 42.5%

$75k–$100k 20.5%

$100k–$150k 10.2%

Range	% of households
Under $10k	12.6%
$10k–$15k	10.2%
$35k–$50k	3.9%
$50k–$75k	42.5%
$75k–$100k	20.5%
$100k–$150k	10.2%
Median income	$71,224

Housing

Home values

Under $50k 69.4%

$50k–$100k 8.2%

$100k–$150k 3.5%

$200k–$300k 10.6%

$300k–$500k 8.2%

Housing overview

Metric	Value
Median home value	$9,999
Median rent / month	$1,000
Owner occupied	66.9%
Renter occupied	33.1%
Vacant	7.3%
Single-family detached	16.1%
Large apartment buildings	0.0%
Mobile homes	62.8%
Median rooms	5.8
Avg household size (owned)	2.04

Year built

Era	%
2020 or later	0.0%
2010–2019	0.0%
2000–2009	6.6%
1990–1999	9.5%
1980–1989	10.2%
1970–1979	51.8%
1960–1969	5.8%
1950–1959	0.0%
1940–1949	0.0%
1939 or earlier	16.1%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	3.6%
2 bedrooms	32.1%
3 bedrooms	17.5%
4 bedrooms	46.7%
5+ bedrooms	0.0%

Vehicles per household

Vehicles	% of households
No vehicle	3.9%
1 vehicle	0.0%
2 vehicles	90.6%
3 or more	5.5%

Heating fuel

Fuel type	%
Electricity	16.5%
Propane / LP gas	33.1%
Fuel oil	4.7%
Wood	7.9%

Households & families

Household type	Count	%
Married-couple family	103	81.1%
Cohabiting couple	14	11.0%
Male householder, no spouse	0	0.0%
Female householder, no spouse	10	7.9%
Households with children under 18	27	21.3%
Households with seniors (65+)	28	22.0%
Average household size	2.31

Marital status

Status	Male	Female
Never married	13.2%	4.9%
Married	86.8%	77.7%
Separated	0.0%	7.8%
Widowed	0.0%	4.9%
Divorced	0.0%	4.9%

Education

Less than 9th grade 0.0%

Some HS, no diploma 45.5%

HS graduate 28.6%

Some college, no degree 14.3%

Associate's degree 5.4%

Bachelor's degree 2.7%

Graduate / professional 3.6%

Metric	%
HS diploma or higher	54.5%
Bachelor's or higher	6.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	8	15.4%
Kindergarten	7	13.5%
Elementary school	34	65.4%
High school	0	0.0%
College / grad school	3	5.8%

Employment

Industry of employment

Professional & management 52.1%

Manufacturing 15.4%

Education & healthcare 13.0%

Other services 8.9%

Transportation & utilities 4.1%

Arts, food & hospitality 3.6%

Agriculture & mining 3.0%

Occupation

Category	%
Management, business & arts	11.8%
Service	57.4%
Sales & office	21.3%
Natural resources & construction	7.7%
Production & transportation	1.8%

Employment type

Type	%
Private sector	86.4%
Government	9.5%
Self-employed	4.1%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	84.6%
Carpool	3.6%
Public transit	4.1%
Walk	0.0%
Work from home	0.0%
Other means	7.7%
Avg commute (minutes)	27.2

Poverty

All people 23.1%

Under 18 years 24.2%

18 and over 22.8%

Married-couple families 15.5%

Female-led households 100.0%

Income support

Source	% of households
Social Security	19.7%
Retirement income	15.7%
Supplemental Security	7.1%
Cash public assistance	0.0%
Food stamps / SNAP	3.9%

Health indicators

Condition	%
Obesity	28.2%
High blood pressure	25.0%
High cholesterol	27.4%
Diabetes	6.7%
Heart disease	4.2%
Stroke	2.0%
Asthma	11.0%
Arthritis	19.2%
Kidney disease	2.1%
Pulmonary disease	5.7%
Cancer	4.8%

Behavior / access	%
Smoking	18.4%
Binge drinking	20.6%
No physical activity	21.3%
Less than 7 hrs sleep	36.5%
Depression	23.2%
Fair or poor health	10.5%
Poor mental health	16.3%
Poor physical health	8.8%
No health insurance	10.4%
Visited doctor (checkup)	74.4%
Visited dentist	64.0%
Cholesterol screening	88.1%
Teeth loss	13.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	14	6.0%

Disability	%
Any disability	16.3%
Under 18	0.0%
18–64 years	9.7%
65 and over	65.2%

Health insurance coverage

Type	%
Private insurance	47.6%
Public insurance	57.8%
No insurance	3.4%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	273	92.9%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	284	96.6%
Born in same state	284	96.6%
Born in different state	281	95.6%
Foreign born	0	0.0%
Naturalized citizen	10	3.4%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
French	115	39.1%

Ancestry	Count	%
Italian	8	2.7%

Technology access

Metric	% of households
Computer access	43.2%
Internet access	96.1%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 13784

What city is ZIP code 13784 in?

ZIP code 13784 is primarily assigned to Harford, New York.

What county is ZIP code 13784 in?

ZIP code 13784 falls within Cortland County, New York.

How educated is the population of ZIP code 13784?

6% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What is the poverty rate in ZIP code 13784?

23% of residents in ZIP code 13784 live below the poverty line, above the national average.

What is the typical home value in ZIP code 13784?

The median home value in ZIP code 13784 is $9,999.

What is the population of ZIP code 13784?

ZIP code 13784 has an estimated population of 294 residents, with a density of 285 people per square mile.

What timezone is ZIP code 13784 in?

ZIP code 13784 observes the EST timezone.