13348 ZIP Code — Hartwick, NY

Otsego County, New York

ZIP code 13348 is located in Hartwick, New York, within Otsego County. It covers approximately 35.72 square miles and serves a population of 1,669 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 607.

About ZIP code 13348

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 $182,100. Owner-occupancy is high at 81%, well above the national average.

Median household income is $76,203. 31% 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 24 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 13348 reflects a community defined by high homeownership and a significant Social Security-dependent population.

1,669

population

35.72

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

13348 ZIP code map

Cities in ZIP code 13348

Below are the cities the US Postal Service accepts for ZIP code 13348. Using any city not on this list may result in mail delivery delays.

City	Status
Hartwick	Acceptable
Hartwick	Preferred

Nearby ZIP codes

13315 Burlington Flats (3.2 mi) 13482 West Burlington (4.7 mi) 13337 Fly Creek (5.6 mi) 13810 Mount Vision (6.7 mi) 13326 Cooperstown (8.5 mi) 13807 Milford (8.7 mi) 13335 Edmeston (8.9 mi) 13796 Laurens (11.4 mi) 13439 Richfield Springs (11.6 mi) 13485 West Edmeston (12.1 mi) 13411 New Berlin (12.2 mi) 13491 West Winfield (12.5 mi)

Demographics updated 05/2026

Population
Total population	1,669
Population density	47 / sq mi
State FIPS	36
County FIPS	077

Geography
Land area	35.72 sq mi
Water area	0.09 sq mi
Latitude	42.7014
Longitude	-75.0757
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	30.7%	44.3%	37.0%
$50k – $100k	42.1%	33.2%	27.0%
$100k – $200k	22.0%	19.2%	24.4%
Over $200k	5.2%	3.3%	11.5%

Demographics & statistics

1,669

Population

People per sq mi

41.4

Median age

$76,203

Median household income

$36,257

Per capita income

$182,100

Median home value

$890

Median monthly rent

80.8%

Home ownership

8.8%

Poverty rate

16.0%

Unemployment

660

Housing units

32.4%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

130

20–24

111

25–34

35–44

45–54

104

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	309	18.5%
18 and over	1,360	81.5%
65 and over	218	13.1%
Median age	41.4 years

Race & ethnicity

White 95%

Two or more races 2.8%

Hispanic or Latino 1.5%

Black or African American 0.7%

Group	Count	%
White	1,610	95%
Two or more races	47	2.8%
Hispanic or Latino	26	1.5%
Black or African American	12	0.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	30.7%	44.3%	37.0%
$50k – $100k	42.1%	33.2%	27.0%
$100k – $200k	22.0%	19.2%	24.4%
Over $200k	5.2%	3.3%	11.5%

Under $10k 5.9%

$10k–$15k 4.6%

$15k–$25k 3.6%

$25k–$35k 3.5%

$35k–$50k 11.5%

$50k–$75k 14.6%

$75k–$100k 23.8%

$100k–$150k 16.8%

$150k–$200k 7.1%

$200k+ 8.6%

Range	% of households
Under $10k	5.9%
$10k–$15k	4.6%
$15k–$25k	3.6%
$25k–$35k	3.5%
$35k–$50k	11.5%
$50k–$75k	14.6%
$75k–$100k	23.8%
$100k–$150k	16.8%
$150k–$200k	7.1%
$200k+	8.6%
Median income	$76,203

Housing

Home values

Under $50k 2.9%

$50k–$100k 12.2%

$100k–$150k 27.1%

$150k–$200k 11.2%

$200k–$300k 22.6%

$300k–$500k 17.1%

$500k–$1M 1.4%

$1M+ 5.5%

Housing overview

Metric	Value
Median home value	$182,100
Median rent / month	$890
Owner occupied	80.8%
Renter occupied	19.2%
Vacant	21.8%
Single-family detached	71.2%
Large apartment buildings	3.5%
Mobile homes	11.7%
Median rooms	6.2
Avg household size (owned)	2.91

Year built

Era	%
2020 or later	3.1%
2010–2019	2.8%
2000–2009	3.9%
1990–1999	17.2%
1980–1989	8.8%
1970–1979	7.1%
1960–1969	4.4%
1950–1959	11.3%
1940–1949	1.3%
1939 or earlier	40.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	12.5%
2 bedrooms	17.5%
3 bedrooms	35.0%
4 bedrooms	31.3%
5+ bedrooms	3.7%

Vehicles per household

Vehicles	% of households
No vehicle	7.6%
1 vehicle	32.2%
2 vehicles	38.8%
3 or more	21.4%

Heating fuel

Fuel type	%
Utility gas	5.6%
Electricity	13.5%
Propane / LP gas	19.2%
Fuel oil	41.4%
Wood	14.5%
Solar	2.8%

Households & families

Household type	Count	%
Married-couple family	370	60.9%
Cohabiting couple	26	4.3%
Male householder, no spouse	64	10.5%
Female householder, no spouse	148	24.3%
Households with children under 18	189	31.1%
Households with seniors (65+)	153	25.2%
Average household size	2.75

Marital status

Status	Male	Female
Never married	39.3%	24.3%
Married	53.4%	53.6%
Separated	0.6%	2.5%
Widowed	1.5%	7.6%
Divorced	5.2%	11.9%

Education

Less than 9th grade 1.9%

Some HS, no diploma 5.7%

HS graduate 32.5%

Some college, no degree 14.6%

Associate's degree 12.9%

Bachelor's degree 19.0%

Graduate / professional 13.4%

Metric	%
HS diploma or higher	92.5%
Bachelor's or higher	32.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	15	4.9%
Elementary school	136	44.7%
High school	102	33.6%
College / grad school	51	16.8%

Employment

Industry of employment

Education & healthcare 41.9%

Retail trade 12.2%

Professional & management 11.9%

Finance & real estate 8.1%

Arts, food & hospitality 6.4%

Construction 6.2%

Transportation & utilities 4.0%

Manufacturing 3.7%

Public administration 3.0%

Other services 2.2%

Agriculture & mining 0.4%

Occupation

Category	%
Management, business & arts	49.5%
Service	12.6%
Sales & office	10.2%
Natural resources & construction	9.4%
Production & transportation	18.3%

Employment type

Type	%
Private sector	79.3%
Government	14.4%
Self-employed	6.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	80.7%
Carpool	6.7%
Public transit	1.3%
Walk	0.3%
Work from home	9.0%
Other means	2.1%
Avg commute (minutes)	23.5

Poverty

All people 8.8%

Under 18 years 14.2%

18 and over 7.6%

Married-couple families 2.4%

Female-led households 25.4%

Income support

Source	% of households
Social Security	31.1%
Retirement income	33.6%
Supplemental Security	2.0%
Cash public assistance	0.0%
Food stamps / SNAP	7.1%

Health indicators

Condition	%
Obesity	31.4%
High blood pressure	28.9%
High cholesterol	32.9%
Diabetes	9.4%
Heart disease	6.6%
Stroke	2.9%
Asthma	10.5%
Arthritis	22.8%
Kidney disease	2.9%
Pulmonary disease	6.9%
Cancer	7.3%

Behavior / access	%
Smoking	17.0%
Binge drinking	16.0%
No physical activity	19.7%
Less than 7 hrs sleep	32.4%
Depression	22.1%
Fair or poor health	11.5%
Poor mental health	13.7%
Poor physical health	9.7%
No health insurance	9.3%
Visited doctor (checkup)	79.3%
Visited dentist	65.2%
Cholesterol screening	91.6%
Teeth loss	13.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	94	6.9%

Disability	%
Any disability	13.5%
Under 18	0.0%
18–64 years	12.3%
65 and over	39.0%

Health insurance coverage

Type	%
Private insurance	74.7%
Public insurance	45.5%
No insurance	1.9%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,596	95.6%
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)	1,618	96.9%
Born in same state	1,610	96.5%
Born in different state	1,384	82.9%
Foreign born	8	0.5%
Naturalized citizen	51	3.1%
Not a US citizen	46	90.2%

Ancestry

Ancestry	Count	%
Italian	285	17.1%
French	276	16.5%
English	172	10.3%
Arab	71	4.3%

Ancestry	Count	%
Polish	38	2.3%
German	11	0.7%
Dutch	7	0.4%

Technology access

Metric	% of households
Computer access	36.4%
Internet access	90.1%

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

Frequently asked questions about ZIP code 13348

What city is ZIP code 13348 in?

ZIP code 13348 is primarily assigned to Hartwick, New York.

What county is ZIP code 13348 in?

ZIP code 13348 falls within Otsego County, New York.

Is ZIP code 13348 mostly owner-occupied?

81% of occupied units in ZIP code 13348 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 13348?

The median home value in ZIP code 13348 is $182,100.

What is the population of ZIP code 13348?

ZIP code 13348 has an estimated population of 1,669 residents, with a density of 47 people per square mile.

What is the median household income in ZIP code 13348?

The median household income in ZIP code 13348 is $76,203, above the national median of ~$75,000.

What timezone is ZIP code 13348 in?

ZIP code 13348 observes the EST timezone.