13786 ZIP Code — Harpersfield, NY

Delaware County, New York

ZIP code 13786 is located in Harpersfield, New York, within Delaware County. It covers approximately 7.76 square miles and serves a population of 366 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 607.

About ZIP code 13786

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $147,100. Owner-occupancy is high at 98%, well above the national average.

Median household income is $49,833. 43% 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 33 minutes is near the national average.

College attainment at 19% is below the national average, consistent with a trades and production-oriented local economy.

Overall, ZIP code 13786 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

366

population

7.76

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

13786 ZIP code map

Cities in ZIP code 13786

Below are the cities the US Postal Service accepts for ZIP code 13786. Using any city not on this list may result in mail delivery delays.

City	Status
Harpersfield	Acceptable
Harpersfield	Preferred

Nearby ZIP codes

12093 Jefferson (5.2 mi) 12167 Stamford (5.5 mi) 12036 Charlotteville (6.2 mi) 13788 Hobart (6.8 mi) 13739 Bloomville (7.1 mi) 13750 Davenport (7.7 mi) 12175 Summit (9.4 mi) 13751 Davenport Center (9.6 mi) 12197 Worcester (10.4 mi) 12064 East Worcester (10.9 mi) 13757 East Meredith (11.6 mi) 12155 Schenevus (12.2 mi)

Demographics updated 05/2026

Population
Total population	366
Population density	47 / sq mi
State FIPS	36
County FIPS	025

Geography
Land area	7.76 sq mi
Water area	0.04 sq mi
Latitude	42.4506
Longitude	-74.6968
Timezone	Eastern (ET)
Area code	607

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	71.1%	49.0%	37.0%
$50k – $100k	18.3%	30.9%	27.0%
$100k – $200k	6.0%	17.3%	24.4%
Over $200k	4.7%	2.8%	11.5%

Demographics & statistics

366

Population

People per sq mi

56.0

Median age

$49,833

Median household income

$34,882

Per capita income

$147,100

Median home value

Median monthly rent

97.5%

Home ownership

8.0%

Poverty rate

13.6%

Unemployment

306

Housing units

19.0%

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	71	19.4%
18 and over	295	80.6%
65 and over	115	31.4%
Median age	56.0 years

Race & ethnicity

White 86.6%

Two or more races 9.3%

Asian 2.2%

Black or African American 1.9%

Group	Count	%
White	317	86.6%
Two or more races	34	9.3%
Asian	8	2.2%
Black or African American	7	1.9%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	71.1%	49.0%	37.0%
$50k – $100k	18.3%	30.9%	27.0%
$100k – $200k	6.0%	17.3%	24.4%
Over $200k	4.7%	2.8%	11.5%

Under $10k 6.4%

$10k–$15k 6.9%

$15k–$25k 10.9%

$35k–$50k 26.7%

$50k–$75k 27.7%

$75k–$100k 3.5%

$100k–$150k 8.9%

$150k–$200k 6.4%

$200k+ 2.5%

Range	% of households
Under $10k	6.4%
$10k–$15k	6.9%
$15k–$25k	10.9%
$35k–$50k	26.7%
$50k–$75k	27.7%
$75k–$100k	3.5%
$100k–$150k	8.9%
$150k–$200k	6.4%
$200k+	2.5%
Median income	$49,833

Housing

Home values

$50k–$100k 31.0%

$100k–$150k 19.8%

$150k–$200k 9.6%

$200k–$300k 24.9%

$300k–$500k 14.7%

Housing overview

Metric	Value
Median home value	$147,100
Median rent / month	$0
Owner occupied	97.5%
Renter occupied	2.5%
Vacant	35.0%
Single-family detached	61.1%
Large apartment buildings	0.0%
Mobile homes	38.9%
Median rooms	5.2
Avg household size (owned)	1.83

Year built

Era	%
2020 or later	0.0%
2010–2019	10.6%
2000–2009	7.7%
1990–1999	8.4%
1980–1989	14.5%
1970–1979	17.0%
1960–1969	11.9%
1950–1959	5.8%
1940–1949	0.0%
1939 or earlier	24.1%

Bedrooms

Size	% of units
No bedroom (studio)	1.6%
1 bedroom	11.6%
2 bedrooms	14.8%
3 bedrooms	59.5%
4 bedrooms	10.9%
5+ bedrooms	1.6%

Vehicles per household

Vehicles	% of households
No vehicle	5.4%
1 vehicle	39.1%
2 vehicles	50.0%
3 or more	5.4%

Heating fuel

Fuel type	%
Electricity	22.3%
Propane / LP gas	16.8%
Fuel oil	41.1%
Wood	14.4%

Households & families

Household type	Count	%
Married-couple family	89	44.1%
Cohabiting couple	11	5.4%
Male householder, no spouse	76	37.6%
Female householder, no spouse	26	12.9%
Households with children under 18	46	22.8%
Households with seniors (65+)	84	41.6%
Average household size	1.81

Marital status

Status	Male	Female
Never married	50.5%	6.2%
Married	37.5%	74.4%
Separated	0.0%	0.0%
Widowed	10.6%	10.1%
Divorced	1.4%	9.3%

Education

Less than 9th grade 1.7%

Some HS, no diploma 14.2%

HS graduate 39.3%

Some college, no degree 10.2%

Associate's degree 15.6%

Bachelor's degree 3.7%

Graduate / professional 15.3%

Metric	%
HS diploma or higher	84.1%
Bachelor's or higher	19.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	1	1.8%
Kindergarten	4	7.3%
Elementary school	8	14.5%
High school	42	76.4%
College / grad school	0	0.0%

Employment

Industry of employment

Education & healthcare 30.1%

Construction 24.8%

Finance & real estate 10.5%

Retail trade 7.8%

Manufacturing 7.2%

Agriculture & mining 5.9%

Professional & management 5.2%

Public administration 5.2%

Other services 2.0%

Transportation & utilities 1.3%

Occupation

Category	%
Management, business & arts	54.9%
Service	0.0%
Sales & office	7.8%
Natural resources & construction	29.4%
Production & transportation	7.8%

Employment type

Type	%
Private sector	71.2%
Government	9.2%
Self-employed	19.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	73.9%
Carpool	3.3%
Public transit	4.6%
Walk	2.0%
Work from home	16.3%
Other means	0.0%
Avg commute (minutes)	32.8

Poverty

All people 8.0%

Under 18 years 0.0%

18 and over 9.8%

Married-couple families 2.2%

Female-led households 0.0%

Income support

Source	% of households
Social Security	42.6%
Retirement income	29.2%
Supplemental Security	5.4%
Cash public assistance	0.0%
Food stamps / SNAP	1.0%

Health indicators

Condition	%
Obesity	33.1%
High blood pressure	36.3%
High cholesterol	38.1%
Diabetes	11.8%
Heart disease	8.3%
Stroke	3.8%
Asthma	10.4%
Arthritis	29.4%
Kidney disease	3.5%
Pulmonary disease	9.3%
Cancer	8.0%

Behavior / access	%
Smoking	19.5%
Binge drinking	15.6%
No physical activity	24.9%
Less than 7 hrs sleep	33.3%
Depression	19.9%
Fair or poor health	15.1%
Poor mental health	13.8%
Poor physical health	11.9%
No health insurance	10.5%
Visited doctor (checkup)	80.0%
Visited dentist	64.3%
Cholesterol screening	92.4%
Teeth loss	14.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	20	6.8%

Disability	%
Any disability	16.7%
Under 18	0.0%
18–64 years	23.9%
65 and over	15.7%

Health insurance coverage

Type	%
Private insurance	43.2%
Public insurance	78.4%
No insurance	4.1%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	349	95.4%
Spanish	5	1.4%
Other Indo-European	0	0.0%
Asian & Pacific Islander	5	1.4%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	337	92.1%
Born in same state	323	88.3%
Born in different state	241	65.8%
Foreign born	14	3.8%
Naturalized citizen	29	7.9%
Not a US citizen	18	62.1%

Ancestry

Ancestry	Count	%
Italian	64	17.5%
French	59	16.1%
English	8	2.2%
Arab	8	2.2%

Ancestry	Count	%
Polish	5	1.4%
German	3	0.8%
Irish	2	0.5%

Technology access

Metric	% of households
Computer access	55.2%
Internet access	83.7%

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

Frequently asked questions about ZIP code 13786

What city is ZIP code 13786 in?

ZIP code 13786 is primarily assigned to Harpersfield, New York.

What county is ZIP code 13786 in?

ZIP code 13786 falls within Delaware County, New York.

Is ZIP code 13786 mostly owner-occupied?

98% of occupied units in ZIP code 13786 are owner-occupied, well above the national average.

Does ZIP code 13786 have an older population?

31% of residents in ZIP code 13786 are 65 or older, above the national average of ~17%.

Does ZIP code 13786 have a large retiree population?

43% of households in ZIP code 13786 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 13786?

The median home value in ZIP code 13786 is $147,100.

What timezone is ZIP code 13786 in?

ZIP code 13786 observes the EST timezone.