13326 ZIP Code — Cooperstown, NY

Otsego County, New York

ZIP code 13326 is located in Cooperstown, New York, within Otsego County. It covers approximately 92.05 square miles and serves a population of 4,698 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 607.

About ZIP code 13326

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 $321,500. Owner-occupancy is high at 76%, well above the national average.

The gap between median ($77,198) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 7% is below the national average. 54% 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 18 minutes is near the national average.

Educational attainment is high — 50% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 13326 reflects a community defined by high homeownership and a significant Social Security-dependent population.

4,698

population

92.05

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

13326 ZIP code map

Cities in ZIP code 13326

Below are the cities the US Postal Service accepts for ZIP code 13326. Using any city not on this list may result in mail delivery delays.

City	Status
Cooperstown	Acceptable
Cooperstown	Preferred

Nearby ZIP codes

13337 Fly Creek (4.9 mi) 13488 Westford (8.3 mi) 13348 Hartwick (8.5 mi) 12155 Schenevus (8.9 mi) 13807 Milford (9.2 mi) 13320 Cherry Valley (9.4 mi) 13468 Springfield Center (9.5 mi) 13439 Richfield Springs (10.6 mi) 13315 Burlington Flats (11.1 mi) 12197 Worcester (12 mi) 12116 Maryland (12 mi) 13810 Mount Vision (12.6 mi)

Demographics updated 06/2026

Population
Total population	4,698
Population density	51 / sq mi
State FIPS	36
County FIPS	077

Geography
Land area	92.05 sq mi
Water area	6.86 sq mi
Latitude	42.7120
Longitude	-74.9097
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	35.1%	44.3%	37.0%
$50k – $100k	34.9%	33.2%	27.0%
$100k – $200k	21.7%	19.2%	24.4%
Over $200k	8.3%	3.3%	11.5%

Demographics & statistics

4,698

Population

People per sq mi

55.4

Median age

$77,198

Median household income

$47,743

Per capita income

$321,500

Median home value

$1,102

Median monthly rent

76.1%

Home ownership

6.8%

Poverty rate

6.5%

Unemployment

2,311

Housing units

49.9%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

163

15–19

162

132

20–24

131

253

25–34

253

190

35–44

189

215

45–54

214

223

55–59

222

174

60–64

173

448

65–74

447

246

75–84

246

104

85+

103

← Male

Female →

Age summary

Group	Count	%
Under 18	513	10.9%
18 and over	4,185	89.1%
65 and over	1,594	33.9%
Median age	55.4 years

Race & ethnicity

White 85.3%

Two or more races 4.1%

Hispanic or Latino 3.7%

Asian 3.1%

Black or African American 2.1%

Other race 1.7%

Group	Count	%
White	4,163	85.3%
Two or more races	200	4.1%
Hispanic or Latino	182	3.7%
Asian	152	3.1%
Black or African American	101	2.1%
Other race	82	1.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	35.1%	44.3%	37.0%
$50k – $100k	34.9%	33.2%	27.0%
$100k – $200k	21.7%	19.2%	24.4%
Over $200k	8.3%	3.3%	11.5%

Under $10k 4.1%

$10k–$15k 2.3%

$15k–$25k 5.9%

$25k–$35k 7.7%

$35k–$50k 14.8%

$50k–$75k 13.8%

$75k–$100k 11.6%

$100k–$150k 15.4%

$150k–$200k 10.5%

$200k+ 13.9%

Range	% of households
Under $10k	4.1%
$10k–$15k	2.3%
$15k–$25k	5.9%
$25k–$35k	7.7%
$35k–$50k	14.8%
$50k–$75k	13.8%
$75k–$100k	11.6%
$100k–$150k	15.4%
$150k–$200k	10.5%
$200k+	13.9%
Median income	$77,198

Housing

Home values

Under $50k 6.4%

$50k–$100k 4.3%

$100k–$150k 7.8%

$150k–$200k 8.4%

$200k–$300k 18.6%

$300k–$500k 32.3%

$500k–$1M 15.2%

$1M+ 6.9%

Housing overview

Metric	Value
Median home value	$321,500
Median rent / month	$1,102
Owner occupied	76.1%
Renter occupied	23.9%
Vacant	32.0%
Single-family detached	72.9%
Large apartment buildings	1.3%
Mobile homes	6.1%
Median rooms	6.5
Avg household size (owned)	2.44

Year built

Era	%
2020 or later	0.0%
2010–2019	4.1%
2000–2009	6.1%
1990–1999	8.2%
1980–1989	13.5%
1970–1979	6.5%
1960–1969	5.5%
1950–1959	6.9%
1940–1949	2.8%
1939 or earlier	46.5%

Bedrooms

Size	% of units
No bedroom (studio)	3.0%
1 bedroom	7.5%
2 bedrooms	21.9%
3 bedrooms	38.6%
4 bedrooms	17.8%
5+ bedrooms	11.2%

Vehicles per household

Vehicles	% of households
No vehicle	6.3%
1 vehicle	35.5%
2 vehicles	37.5%
3 or more	20.6%

Heating fuel

Fuel type	%
Utility gas	3.7%
Electricity	17.4%
Propane / LP gas	19.8%
Fuel oil	47.4%
Wood	10.5%
No fuel used	0.6%

Households & families

Household type	Count	%
Married-couple family	1,052	56.0%
Cohabiting couple	85	4.5%
Male householder, no spouse	314	16.7%
Female householder, no spouse	426	22.7%
Households with children under 18	273	14.5%
Households with seniors (65+)	1,033	55.0%
Average household size	2.30

Marital status

Status	Male	Female
Never married	30.5%	21.9%
Married	55.4%	55.2%
Separated	1.1%	1.6%
Widowed	3.4%	13.6%
Divorced	9.6%	7.7%

Education

Less than 9th grade 1.7%

Some HS, no diploma 1.7%

HS graduate 22.5%

Some college, no degree 13.5%

Associate's degree 10.6%

Bachelor's degree 22.7%

Graduate / professional 27.2%

Metric	%
HS diploma or higher	96.6%
Bachelor's or higher	49.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	52	6.0%
Kindergarten	25	2.9%
Elementary school	237	27.4%
High school	240	27.7%
College / grad school	311	36.0%

Employment

Industry of employment

Education & healthcare 36.4%

Arts, food & hospitality 15.8%

Retail trade 12.8%

Professional & management 5.9%

Finance & real estate 5.3%

Information 5.0%

Manufacturing 4.7%

Construction 4.1%

Agriculture & mining 3.0%

Public administration 2.7%

Other services 2.5%

Transportation & utilities 1.8%

Occupation

Category	%
Management, business & arts	50.1%
Service	16.6%
Sales & office	19.7%
Natural resources & construction	6.3%
Production & transportation	7.3%

Employment type

Type	%
Private sector	81.3%
Government	11.1%
Self-employed	7.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	58.1%
Carpool	10.4%
Public transit	1.0%
Walk	17.7%
Work from home	12.5%
Other means	0.3%
Avg commute (minutes)	17.7

Poverty

All people 6.8%

Under 18 years 5.0%

18 and over 7.0%

Married-couple families 2.4%

Female-led households 3.8%

Income support

Source	% of households
Social Security	54.0%
Retirement income	39.1%
Supplemental Security	3.3%
Cash public assistance	0.7%
Food stamps / SNAP	2.3%

Health indicators

Condition	%
Obesity	29.1%
High blood pressure	30.6%
High cholesterol	34.0%
Diabetes	9.6%
Heart disease	7.2%
Stroke	3.1%
Asthma	9.9%
Arthritis	24.8%
Kidney disease	3.2%
Pulmonary disease	6.6%
Cancer	9.0%

Behavior / access	%
Smoking	13.6%
Binge drinking	14.2%
No physical activity	18.6%
Less than 7 hrs sleep	30.2%
Depression	20.1%
Fair or poor health	10.6%
Poor mental health	12.0%
Poor physical health	9.1%
No health insurance	8.3%
Visited doctor (checkup)	81.3%
Visited dentist	69.0%
Cholesterol screening	93.3%
Teeth loss	10.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	387	9.2%

Disability	%
Any disability	11.7%
Under 18	0.0%
18–64 years	8.5%
65 and over	21.1%

Health insurance coverage

Type	%
Private insurance	77.4%
Public insurance	44.5%
No insurance	4.5%
Uninsured under 19	7.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,588	97.7%
Spanish	149	3.2%
Other Indo-European	76	1.7%
Asian & Pacific Islander	57	1.2%
Other languages	7	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,292	91.4%
Born in same state	4,290	91.3%
Born in different state	2,990	63.6%
Foreign born	2	0.0%
Naturalized citizen	406	8.6%
Not a US citizen	180	44.3%

Ancestry

Ancestry	Count	%
Italian	1,002	21.3%
French	675	14.4%
Arab	219	4.7%
Polish	140	3%

Ancestry	Count	%
English	130	2.8%
Dutch	114	2.4%
German	37	0.8%
Irish	36	0.8%

Technology access

Metric	% of households
Computer access	40.0%
Internet access	93.0%

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

Frequently asked questions about ZIP code 13326

What city is ZIP code 13326 in?

ZIP code 13326 is primarily assigned to Cooperstown, New York.

What county is ZIP code 13326 in?

ZIP code 13326 falls within Otsego County, New York.

Does ZIP code 13326 have an older population?

34% of residents in ZIP code 13326 are 65 or older, above the national average of ~17%.

Does ZIP code 13326 have a large retiree population?

54% of households in ZIP code 13326 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 13326?

50% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 13326 have a large veteran population?

9% of civilians in ZIP code 13326 are veterans, above the national average of ~7%.

What timezone is ZIP code 13326 in?

ZIP code 13326 observes the EST timezone.