13324 ZIP Code — Cold Brook, NY

Herkimer County, New York

ZIP code 13324 is located in Cold Brook, New York, within Herkimer County. It covers approximately 135.08 square miles and serves a population of 1,653 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 315.

About ZIP code 13324

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 $135,700. Owner-occupancy is high at 90%, well above the national average.

The gap between median ($74,250) and mean household income suggests income inequality — a small number of higher earners pull the average up. 50% 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 34 minutes is near the national average.

College attainment at 17% is below the national average, consistent with a trades and production-oriented local economy.

Notable community characteristics include a notable veteran presence at 12% of civilians, above the national average of 7%.

Overall, ZIP code 13324 reflects a community defined by a trades-oriented workforce, a strong veteran community, high homeownership, and a significant Social Security-dependent population.

1,653

population

135.08

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

13324 ZIP code map

Cities in ZIP code 13324

Below are the cities the US Postal Service accepts for ZIP code 13324. Using any city not on this list may result in mail delivery delays.

City	Status
Cold Brook	Acceptable
Cold Brook	Preferred

Nearby ZIP codes

13338 Forestport (6.4 mi) 13494 Woodgate (11.3 mi) 13438 Remsen (13.9 mi) 13301 Alder Creek (14.1 mi) 13433 Port Leyden (16.3 mi) 13420 Old Forge (17.4 mi) 13454 Salisbury Center (18.8 mi) 13331 Eagle Bay (18.9 mi) 13309 Boonville (19 mi) 13431 Poland (19.1 mi)

Demographics updated 05/2026

Population
Total population	1,653
Population density	12 / sq mi
State FIPS	36
County FIPS	043

Geography
Land area	135.08 sq mi
Water area	4.77 sq mi
Latitude	43.4818
Longitude	-74.9455
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	40.9%	44.6%	37.0%
$50k – $100k	40.0%	32.9%	27.0%
$100k – $200k	16.8%	20.1%	24.4%
Over $200k	2.3%	2.5%	11.5%

Demographics & statistics

1,653

Population

People per sq mi

54.8

Median age

$74,250

Median household income

$44,969

Per capita income

$135,700

Median home value

$853

Median monthly rent

89.8%

Home ownership

9.7%

Poverty rate

5.2%

Unemployment

1,320

Housing units

17.1%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

115

60–64

153

65–74

131

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	243	14.7%
18 and over	1,410	85.3%
65 and over	439	26.6%
Median age	54.8 years

Race & ethnicity

White 93%

American Indian / Alaska Native 2.8%

Two or more races 2.7%

Hispanic or Latino 0.9%

Black or African American 0.6%

Group	Count	%
White	1,552	93%
American Indian / Alaska Native	46	2.8%
Two or more races	45	2.7%
Hispanic or Latino	15	0.9%
Black or African American	10	0.6%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	40.9%	44.6%	37.0%
$50k – $100k	40.0%	32.9%	27.0%
$100k – $200k	16.8%	20.1%	24.4%
Over $200k	2.3%	2.5%	11.5%

Under $10k 2.5%

$10k–$15k 2.7%

$15k–$25k 5.4%

$25k–$35k 10.8%

$35k–$50k 9.0%

$50k–$75k 20.0%

$75k–$100k 22.2%

$100k–$150k 18.0%

$150k–$200k 4.9%

$200k+ 4.5%

Range	% of households
Under $10k	2.5%
$10k–$15k	2.7%
$15k–$25k	5.4%
$25k–$35k	10.8%
$35k–$50k	9.0%
$50k–$75k	20.0%
$75k–$100k	22.2%
$100k–$150k	18.0%
$150k–$200k	4.9%
$200k+	4.5%
Median income	$74,250

Housing

Home values

Under $50k 14.3%

$50k–$100k 22.6%

$100k–$150k 16.7%

$150k–$200k 14.0%

$200k–$300k 19.9%

$300k–$500k 6.8%

$500k–$1M 3.2%

$1M+ 2.6%

Housing overview

Metric	Value
Median home value	$135,700
Median rent / month	$853
Owner occupied	89.8%
Renter occupied	10.2%
Vacant	47.4%
Single-family detached	78.9%
Large apartment buildings	0.3%
Mobile homes	16.7%
Median rooms	5.9
Avg household size (owned)	2.26

Year built

Era	%
2020 or later	0.2%
2010–2019	8.5%
2000–2009	11.8%
1990–1999	11.5%
1980–1989	11.3%
1970–1979	12.0%
1960–1969	8.2%
1950–1959	5.0%
1940–1949	5.0%
1939 or earlier	26.5%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	13.6%
2 bedrooms	25.9%
3 bedrooms	36.3%
4 bedrooms	20.2%
5+ bedrooms	3.9%

Vehicles per household

Vehicles	% of households
No vehicle	2.0%
1 vehicle	36.2%
2 vehicles	40.6%
3 or more	21.1%

Heating fuel

Fuel type	%
Utility gas	3.4%
Electricity	1.5%
Propane / LP gas	12.3%
Fuel oil	54.9%
Wood	17.6%

Households & families

Household type	Count	%
Married-couple family	416	56.7%
Cohabiting couple	93	12.7%
Male householder, no spouse	122	16.6%
Female householder, no spouse	103	14.0%
Households with children under 18	130	17.7%
Households with seniors (65+)	295	40.2%
Average household size	2.25

Marital status

Status	Male	Female
Never married	30.2%	18.9%
Married	53.7%	63.5%
Separated	1.5%	0.9%
Widowed	1.2%	9.0%
Divorced	13.4%	7.7%

Education

Less than 9th grade 4.9%

Some HS, no diploma 8.2%

HS graduate 35.3%

Some college, no degree 22.7%

Associate's degree 11.9%

Bachelor's degree 9.7%

Graduate / professional 7.3%

Metric	%
HS diploma or higher	86.9%
Bachelor's or higher	17.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	5	2.1%
Kindergarten	13	5.6%
Elementary school	84	36.1%
High school	79	33.9%
College / grad school	52	22.3%

Employment

Industry of employment

Education & healthcare 22.3%

Manufacturing 15.3%

Retail trade 12.5%

Professional & management 8.6%

Construction 7.9%

Transportation & utilities 7.8%

Finance & real estate 7.4%

Arts, food & hospitality 7.4%

Public administration 4.5%

Other services 2.8%

Agriculture & mining 1.9%

Information 1.3%

Wholesale trade 0.3%

Occupation

Category	%
Management, business & arts	22.7%
Service	21.9%
Sales & office	20.8%
Natural resources & construction	14.2%
Production & transportation	20.5%

Employment type

Type	%
Private sector	83.8%
Government	12.3%
Self-employed	3.3%
Unpaid family workers	0.6%

Commute

Method	%
Drive alone	83.7%
Carpool	6.6%
Public transit	0.0%
Walk	3.4%
Work from home	5.5%
Other means	0.7%
Avg commute (minutes)	34.2

Poverty

All people 9.7%

Under 18 years 19.6%

18 and over 8.2%

Married-couple families 2.2%

Female-led households 13.0%

Income support

Source	% of households
Social Security	49.9%
Retirement income	42.5%
Supplemental Security	4.5%
Cash public assistance	0.8%
Food stamps / SNAP	11.6%

Health indicators

Condition	%
Obesity	30.4%
High blood pressure	34.7%
High cholesterol	32.6%
Diabetes	9.5%
Heart disease	6.5%
Stroke	2.9%
Asthma	10.2%
Arthritis	24.4%
Kidney disease	2.9%
Pulmonary disease	7.3%
Cancer	7.0%

Behavior / access	%
Smoking	18.4%
Binge drinking	18.6%
No physical activity	23.8%
Less than 7 hrs sleep	34.9%
Depression	21.4%
Fair or poor health	12.4%
Poor mental health	14.3%
Poor physical health	10.0%
No health insurance	9.5%
Visited doctor (checkup)	78.6%
Visited dentist	67.5%
Cholesterol screening	91.4%
Teeth loss	13.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	166	11.8%

Disability	%
Any disability	19.8%
Under 18	3.3%
18–64 years	20.0%
65 and over	28.7%

Health insurance coverage

Type	%
Private insurance	66.9%
Public insurance	50.2%
No insurance	3.9%
Uninsured under 19	3.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,597	96.6%
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)	1,632	98.7%
Born in same state	1,625	98.3%
Born in different state	1,376	83.2%
Foreign born	7	0.4%
Naturalized citizen	21	1.3%
Not a US citizen	18	85.7%

Ancestry

Ancestry	Count	%
Italian	274	16.6%
French	233	14.1%
Arab	90	5.4%
Polish	43	2.6%

Ancestry	Count	%
German	34	2.1%
English	22	1.3%
Norwegian	13	0.8%
Irish	2	0.1%

Technology access

Metric	% of households
Computer access	44.4%
Internet access	92.0%

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

Frequently asked questions about ZIP code 13324

What city is ZIP code 13324 in?

ZIP code 13324 is primarily assigned to Cold Brook, New York.

What county is ZIP code 13324 in?

ZIP code 13324 falls within Herkimer County, New York.

Does ZIP code 13324 have an older population?

27% of residents in ZIP code 13324 are 65 or older, above the national average of ~17%.

Is ZIP code 13324 mostly owner-occupied?

90% of occupied units in ZIP code 13324 are owner-occupied, well above the national average.

Does ZIP code 13324 have a large retiree population?

50% of households in ZIP code 13324 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 13324 have a large veteran population?

12% of civilians in ZIP code 13324 are veterans, above the national average of ~7%.

What timezone is ZIP code 13324 in?

ZIP code 13324 observes the EST timezone.