13320 ZIP Code — Cherry Valley, NY

Otsego County, New York

ZIP code 13320 is located in Cherry Valley, New York, within Otsego County. It covers approximately 79.01 square miles and serves a population of 2,085 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 607.

About ZIP code 13320

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 $187,300. Owner-occupancy is high at 90%, well above the national average.

Median household income is $76,136. 39% of households receive Social Security income, suggesting a notable retiree or disability population.

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

Educational attainment is near the national average, with 32% of residents holding a bachelor's degree or higher.

Overall, ZIP code 13320 reflects a community defined by high homeownership and a significant Social Security-dependent population.

2,085

population

79.01

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

13320 ZIP code map

Cities in ZIP code 13320

Below are the cities the US Postal Service accepts for ZIP code 13320. Using any city not on this list may result in mail delivery delays.

City	Status
Cherry Valley	Preferred

Nearby ZIP codes

13488 Westford (6.1 mi) 13468 Springfield Center (6.9 mi) 13475 Van Hornesville (8 mi) 13459 Sharon Springs (9.3 mi) 13326 Cooperstown (9.4 mi) 13317 Canajoharie (10 mi) 13361 Jordanville (10.5 mi) 13339 Fort Plain (11.5 mi) 13337 Fly Creek (12.3 mi) 12043 Cobleskill (12.4 mi) 12197 Worcester (12.4 mi) 12064 East Worcester (12.8 mi)

Demographics updated 06/2026

Population
Total population	2,085
Population density	26 / sq mi
State FIPS	36
County FIPS	077

Geography
Land area	79.01 sq mi
Water area	0.16 sq mi
Latitude	42.7792
Longitude	-74.7486
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	36.4%	44.3%	37.0%
$50k – $100k	36.6%	33.2%	27.0%
$100k – $200k	24.4%	19.2%	24.4%
Over $200k	2.6%	3.3%	11.5%

Demographics & statistics

2,085

Population

People per sq mi

40.1

Median age

$76,136

Median household income

$34,165

Per capita income

$187,300

Median home value

$779

Median monthly rent

90.0%

Home ownership

15.6%

Poverty rate

5.1%

Unemployment

998

Housing units

32.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

135

20–24

125

104

25–34

35–44

131

45–54

120

109

55–59

100

60–64

103

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	381	18.3%
18 and over	1,704	81.7%
65 and over	370	17.7%
Median age	40.1 years

Race & ethnicity

White 96.4%

Two or more races 2%

Hispanic or Latino 1.4%

Other race 0.2%

Group	Count	%
White	2,037	96.4%
Two or more races	43	2%
Hispanic or Latino	29	1.4%
Other race	5	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	36.4%	44.3%	37.0%
$50k – $100k	36.6%	33.2%	27.0%
$100k – $200k	24.4%	19.2%	24.4%
Over $200k	2.6%	3.3%	11.5%

Under $10k 4.4%

$10k–$15k 1.7%

$15k–$25k 6.9%

$25k–$35k 5.6%

$35k–$50k 10.2%

$50k–$75k 19.8%

$75k–$100k 19.4%

$100k–$150k 16.8%

$150k–$200k 5.6%

$200k+ 9.6%

Range	% of households
Under $10k	4.4%
$10k–$15k	1.7%
$15k–$25k	6.9%
$25k–$35k	5.6%
$35k–$50k	10.2%
$50k–$75k	19.8%
$75k–$100k	19.4%
$100k–$150k	16.8%
$150k–$200k	5.6%
$200k+	9.6%
Median income	$76,136

Housing

Home values

Under $50k 1.7%

$50k–$100k 13.7%

$100k–$150k 14.4%

$150k–$200k 24.6%

$200k–$300k 19.0%

$300k–$500k 17.7%

$500k–$1M 1.1%

$1M+ 7.7%

Housing overview

Metric	Value
Median home value	$187,300
Median rent / month	$779
Owner occupied	90.0%
Renter occupied	10.0%
Vacant	33.8%
Single-family detached	85.5%
Large apartment buildings	0.0%
Mobile homes	8.2%
Median rooms	6.4
Avg household size (owned)	2.80

Year built

Era	%
2020 or later	0.1%
2010–2019	6.9%
2000–2009	6.0%
1990–1999	8.0%
1980–1989	12.4%
1970–1979	8.1%
1960–1969	3.5%
1950–1959	4.6%
1940–1949	4.9%
1939 or earlier	45.6%

Bedrooms

Size	% of units
No bedroom (studio)	2.2%
1 bedroom	4.5%
2 bedrooms	19.9%
3 bedrooms	43.4%
4 bedrooms	21.8%
5+ bedrooms	8.2%

Vehicles per household

Vehicles	% of households
No vehicle	5.2%
1 vehicle	23.0%
2 vehicles	49.7%
3 or more	22.0%

Heating fuel

Fuel type	%
Utility gas	3.2%
Electricity	3.4%
Propane / LP gas	24.3%
Fuel oil	48.9%
Wood	18.8%

Households & families

Household type	Count	%
Married-couple family	433	61.2%
Cohabiting couple	46	6.5%
Male householder, no spouse	93	13.1%
Female householder, no spouse	136	19.2%
Households with children under 18	187	26.4%
Households with seniors (65+)	255	36.0%
Average household size	2.94

Marital status

Status	Male	Female
Never married	38.3%	27.5%
Married	50.4%	53.8%
Separated	2.1%	3.2%
Widowed	3.2%	7.9%
Divorced	6.0%	7.6%

Education

Less than 9th grade 3.2%

Some HS, no diploma 3.3%

HS graduate 32.3%

Some college, no degree 13.2%

Associate's degree 16.0%

Bachelor's degree 20.2%

Graduate / professional 11.8%

Metric	%
HS diploma or higher	93.4%
Bachelor's or higher	32.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	32	10.9%
Kindergarten	17	5.8%
Elementary school	116	39.6%
High school	77	26.3%
College / grad school	51	17.4%

Employment

Industry of employment

Education & healthcare 29.3%

Retail trade 15.5%

Professional & management 8.8%

Construction 8.5%

Arts, food & hospitality 8.4%

Agriculture & mining 5.9%

Transportation & utilities 5.5%

Manufacturing 5.0%

Other services 3.9%

Public administration 3.3%

Finance & real estate 2.9%

Information 1.9%

Wholesale trade 1.0%

Occupation

Category	%
Management, business & arts	40.2%
Service	12.2%
Sales & office	22.6%
Natural resources & construction	9.3%
Production & transportation	15.6%

Employment type

Type	%
Private sector	72.9%
Government	11.4%
Self-employed	11.5%
Unpaid family workers	4.2%

Commute

Method	%
Drive alone	70.7%
Carpool	9.3%
Public transit	0.0%
Walk	1.0%
Work from home	13.8%
Other means	5.1%
Avg commute (minutes)	26.8

Poverty

All people 15.6%

Under 18 years 24.2%

18 and over 13.7%

Married-couple families 3.5%

Female-led households 48.9%

Income support

Source	% of households
Social Security	39.0%
Retirement income	33.8%
Supplemental Security	2.3%
Cash public assistance	3.8%
Food stamps / SNAP	4.0%

Health indicators

Condition	%
Obesity	32.4%
High blood pressure	30.7%
High cholesterol	35.4%
Diabetes	10.2%
Heart disease	7.2%
Stroke	3.2%
Asthma	10.8%
Arthritis	24.6%
Kidney disease	3.2%
Pulmonary disease	7.8%
Cancer	7.7%

Behavior / access	%
Smoking	18.3%
Binge drinking	15.4%
No physical activity	21.2%
Less than 7 hrs sleep	32.8%
Depression	22.4%
Fair or poor health	12.8%
Poor mental health	13.9%
Poor physical health	10.5%
No health insurance	9.8%
Visited doctor (checkup)	79.9%
Visited dentist	63.4%
Cholesterol screening	91.8%
Teeth loss	14.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	111	6.5%

Disability	%
Any disability	11.0%
Under 18	3.9%
18–64 years	7.7%
65 and over	30.3%

Health insurance coverage

Type	%
Private insurance	70.6%
Public insurance	38.3%
No insurance	7.7%
Uninsured under 19	21.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,954	93.7%
Spanish	15	0.8%
Other Indo-European	12	0.6%
Asian & Pacific Islander	3	0.2%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,022	97.0%
Born in same state	2,015	96.6%
Born in different state	1,718	82.4%
Foreign born	7	0.3%
Naturalized citizen	63	3.0%
Not a US citizen	42	66.7%

Ancestry

Ancestry	Count	%
French	558	26.8%
Italian	292	14%
English	221	10.6%
Arab	172	8.2%

Ancestry	Count	%
Polish	49	2.4%
Norwegian	8	0.4%
Irish	3	0.1%
German	1	0%

Technology access

Metric	% of households
Computer access	34.0%
Internet access	90.3%

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

Frequently asked questions about ZIP code 13320

What city is ZIP code 13320 in?

ZIP code 13320 is primarily assigned to Cherry Valley, New York.

What county is ZIP code 13320 in?

ZIP code 13320 falls within Otsego County, New York.

Is ZIP code 13320 mostly owner-occupied?

90% of occupied units in ZIP code 13320 are owner-occupied, well above the national average.

What is the poverty rate in ZIP code 13320?

16% of residents in ZIP code 13320 live below the poverty line, above the national average.

Does ZIP code 13320 have a large retiree population?

39% of households in ZIP code 13320 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 13320?

The median home value in ZIP code 13320 is $187,300.

What timezone is ZIP code 13320 in?

ZIP code 13320 observes the EST timezone.