13028 ZIP Code — Bernhards Bay, NY

Oswego County, New York

ZIP code 13028 is located in Bernhards Bay, New York, within Oswego County. It covers approximately 16.92 square miles and serves a population of 809 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 315.

About ZIP code 13028

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $153,500. Owner-occupancy is high at 95%, well above the national average.

Median household income is $87,356. 46% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with construction as the leading industry. An above-average commute of 39 minutes suggests many residents work outside the immediate area. Remote work is prevalent — 21% of workers work from home.

College attainment at 20% is below the national average, consistent with a trades and production-oriented local economy.

Notable community characteristics include a notable veteran presence at 21% of civilians, above the national average of 7%.

Overall, ZIP code 13028 reflects a community defined by a strong veteran community, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

809

population

16.92

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

13028 ZIP code map

Cities in ZIP code 13028

Below are the cities the US Postal Service accepts for ZIP code 13028. Using any city not on this list may result in mail delivery delays.

City	Status
Bernhards Bay	Preferred

Nearby ZIP codes

13044 Constantia (4.2 mi) 13167 West Monroe (6.2 mi) 13042 Cleveland (6.6 mi) 13103 Mallory (8.4 mi) 13483 Westdale (9.4 mi) 13030 Bridgeport (9.7 mi) 13493 Williamstown (10.1 mi) 13316 Camden (10.6 mi) 13039 Cicero (11.4 mi) 13029 Brewerton (11.4 mi) 13131 Parish (11.7 mi) 13076 Hastings (11.9 mi)

Demographics updated 05/2026

Population
Total population	809
Population density	48 / sq mi
State FIPS	36
County FIPS	075

Geography
Land area	16.92 sq mi
Water area	0.12 sq mi
Latitude	43.2968
Longitude	-75.9325
Timezone	Eastern (ET)
Area code	315

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	45.0%	42.0%	37.0%
$50k – $100k	34.5%	33.3%	27.0%
$100k – $200k	20.5%	21.1%	24.4%
Over $200k	0.0%	3.6%	11.5%

Demographics & statistics

809

Population

People per sq mi

46.9

Median age

$87,356

Median household income

$32,991

Per capita income

$153,500

Median home value

Median monthly rent

95.1%

Home ownership

1.7%

Poverty rate

0.0%

Unemployment

567

Housing units

20.3%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

25–34

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	195	24.1%
18 and over	614	75.9%
65 and over	156	19.3%
Median age	46.9 years

Race & ethnicity

White 86.8%

Two or more races 7.3%

Hispanic or Latino 5.8%

Group	Count	%
White	746	86.8%
Two or more races	63	7.3%
Hispanic or Latino	50	5.8%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	45.0%	42.0%	37.0%
$50k – $100k	34.5%	33.3%	27.0%
$100k – $200k	20.5%	21.1%	24.4%
Over $200k	0.0%	3.6%	11.5%

$15k–$25k 6.5%

$25k–$35k 4.2%

$35k–$50k 16.2%

$50k–$75k 15.2%

$75k–$100k 15.2%

$100k–$150k 39.2%

$200k+ 3.6%

Range	% of households
$15k–$25k	6.5%
$25k–$35k	4.2%
$35k–$50k	16.2%
$50k–$75k	15.2%
$75k–$100k	15.2%
$100k–$150k	39.2%
$200k+	3.6%
Median income	$87,356

Housing

Home values

Under $50k 4.4%

$50k–$100k 18.4%

$100k–$150k 22.8%

$150k–$200k 31.6%

$200k–$300k 5.8%

$300k–$500k 7.1%

$1M+ 9.9%

Housing overview

Metric	Value
Median home value	$153,500
Median rent / month	$0
Owner occupied	95.1%
Renter occupied	4.9%
Vacant	46.9%
Single-family detached	79.0%
Large apartment buildings	0.0%
Mobile homes	18.9%
Median rooms	6.5
Avg household size (owned)	2.69

Year built

Era	%
2020 or later	0.0%
2010–2019	10.3%
2000–2009	0.3%
1990–1999	18.4%
1980–1989	10.5%
1970–1979	0.5%
1960–1969	5.7%
1950–1959	7.6%
1940–1949	5.7%
1939 or earlier	41.1%

Bedrooms

Size	% of units
No bedroom (studio)	10.3%
1 bedroom	2.4%
2 bedrooms	21.6%
3 bedrooms	45.9%
4 bedrooms	18.9%
5+ bedrooms	0.9%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	18.4%
2 vehicles	55.0%
3 or more	26.5%

Heating fuel

Fuel type	%
Utility gas	9.4%
Propane / LP gas	45.3%
Fuel oil	36.9%
Wood	3.9%

Households & families

Household type	Count	%
Married-couple family	145	46.9%
Cohabiting couple	5	1.6%
Male householder, no spouse	26	8.4%
Female householder, no spouse	133	43.0%
Households with children under 18	136	44.0%
Households with seniors (65+)	126	40.8%
Average household size	2.62

Marital status

Status	Male	Female
Never married	36.8%	18.7%
Married	47.4%	55.7%
Separated	1.0%	1.1%
Widowed	3.0%	23.7%
Divorced	11.8%	0.8%

Education

Less than 9th grade 1.2%

Some HS, no diploma 0.0%

HS graduate 27.2%

Some college, no degree 31.6%

Associate's degree 19.7%

Bachelor's degree 11.7%

Graduate / professional 8.6%

Metric	%
HS diploma or higher	98.8%
Bachelor's or higher	20.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	80	44.7%
High school	65	36.3%
College / grad school	34	19.0%

Employment

Industry of employment

Construction 32.4%

Education & healthcare 30.8%

Retail trade 18.2%

Public administration 6.3%

Finance & real estate 6.1%

Professional & management 2.4%

Arts, food & hospitality 2.1%

Other services 1.8%

Occupation

Category	%
Management, business & arts	34.2%
Service	17.9%
Sales & office	13.9%
Natural resources & construction	19.7%
Production & transportation	14.2%

Employment type

Type	%
Private sector	65.3%
Government	19.7%
Self-employed	15.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	79.0%
Carpool	0.0%
Public transit	0.0%
Walk	0.0%
Work from home	21.0%
Other means	0.0%
Avg commute (minutes)	39.4

Poverty

All people 1.7%

Under 18 years 2.1%

18 and over 1.6%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	46.3%
Retirement income	59.2%
Supplemental Security	9.1%
Cash public assistance	0.0%
Food stamps / SNAP	7.1%

Health indicators

Condition	%
Obesity	31.7%
High blood pressure	33.0%
High cholesterol	33.7%
Diabetes	9.6%
Heart disease	6.6%
Stroke	2.9%
Asthma	10.4%
Arthritis	25.7%
Kidney disease	2.8%
Pulmonary disease	7.5%
Cancer	7.0%

Behavior / access	%
Smoking	18.8%
Binge drinking	17.7%
No physical activity	22.9%
Less than 7 hrs sleep	33.9%
Depression	21.2%
Fair or poor health	12.7%
Poor mental health	14.6%
Poor physical health	10.3%
No health insurance	10.3%
Visited doctor (checkup)	76.4%
Visited dentist	65.3%
Cholesterol screening	91.1%
Teeth loss	13.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	128	20.8%

Disability	%
Any disability	14.6%
Under 18	4.6%
18–64 years	18.8%
65 and over	14.7%

Health insurance coverage

Type	%
Private insurance	63.0%
Public insurance	49.8%
No insurance	5.9%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	771	95.3%
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)	788	97.4%
Born in same state	788	97.4%
Born in different state	678	83.8%
Foreign born	0	0.0%
Naturalized citizen	21	2.6%
Not a US citizen	21	100.0%

Ancestry

Ancestry	Count	%
Italian	156	19.3%
German	137	16.9%

Ancestry	Count	%
French	72	8.9%
Arab	11	1.4%

Technology access

Metric	% of households
Computer access	38.2%
Internet access	95.8%

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

Frequently asked questions about ZIP code 13028

What city is ZIP code 13028 in?

ZIP code 13028 is primarily assigned to Bernhards Bay, New York.

What county is ZIP code 13028 in?

ZIP code 13028 falls within Oswego County, New York.

Is ZIP code 13028 mostly owner-occupied?

95% of occupied units in ZIP code 13028 are owner-occupied, well above the national average.

Does ZIP code 13028 have a large veteran population?

21% of civilians in ZIP code 13028 are veterans, above the national average of ~7%.

Does ZIP code 13028 have a large retiree population?

46% of households in ZIP code 13028 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 13028?

The median home value in ZIP code 13028 is $153,500.

What timezone is ZIP code 13028 in?

ZIP code 13028 observes the EST timezone.