13650 ZIP Code — Henderson, NY

Jefferson County, New York

ZIP code 13650 is located in Henderson, New York, within Jefferson County. It covers approximately 41.14 square miles and serves a population of 1,355 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 315.

About ZIP code 13650

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 $172,700. Owner-occupancy is high at 80%, well above the national average.

Median household income is $83,594. 55% 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 26 minutes is near the national average.

Educational attainment is near the national average, with 27% of residents holding a bachelor's degree or higher.

Overall, ZIP code 13650 reflects a community defined by high homeownership and a significant Social Security-dependent population.

1,355

population

41.14

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

13650 ZIP code map

Cities in ZIP code 13650

Below are the cities the US Postal Service accepts for ZIP code 13650. Using any city not on this list may result in mail delivery delays.

City	Status
Henderson	Acceptable
Henderson	Preferred

Nearby ZIP codes

13636 Ellisburg (9.5 mi) 13605 Adams (12.1 mi) 13685 Sackets Harbor (12.4 mi) 13661 Mannsville (12.5 mi) 13145 Sandy Creek (13.9 mi) 13606 Adams Center (14.1 mi) 13693 Three Mile Bay (15 mi) 13634 Dexter (16.8 mi) 13083 Lacona (18.6 mi) 13142 Pulaski (18.9 mi)

Demographics updated 05/2026

Population
Total population	1,355
Population density	33 / sq mi
State FIPS	36
County FIPS	045

Geography
Land area	41.14 sq mi
Water area	2.14 sq mi
Latitude	43.8189
Longitude	-76.2830
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	40.0%	45.1%	37.0%
$50k – $100k	33.7%	34.1%	27.0%
$100k – $200k	19.6%	18.0%	24.4%
Over $200k	6.6%	2.7%	11.5%

Demographics & statistics

1,355

Population

People per sq mi

54.6

Median age

$83,594

Median household income

$43,190

Per capita income

$172,700

Median home value

$748

Median monthly rent

80.0%

Home ownership

17.0%

Poverty rate

10.7%

Unemployment

1,394

Housing units

26.6%

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

60–64

127

65–74

123

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	257	19.0%
18 and over	1,098	81.0%
65 and over	457	33.7%
Median age	54.6 years

Race & ethnicity

White 88.3%

Two or more races 7.1%

Hispanic or Latino 1.7%

Other race 1.2%

Black or African American 1%

Asian 0.7%

Group	Count	%
White	1,217	88.3%
Two or more races	98	7.1%
Hispanic or Latino	23	1.7%
Other race	16	1.2%
Black or African American	14	1%
Asian	10	0.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	40.0%	45.1%	37.0%
$50k – $100k	33.7%	34.1%	27.0%
$100k – $200k	19.6%	18.0%	24.4%
Over $200k	6.6%	2.7%	11.5%

Under $10k 4.7%

$10k–$15k 4.8%

$15k–$25k 7.8%

$25k–$35k 6.9%

$35k–$50k 7.1%

$50k–$75k 14.5%

$75k–$100k 16.9%

$100k–$150k 21.6%

$150k–$200k 7.4%

$200k+ 8.4%

Range	% of households
Under $10k	4.7%
$10k–$15k	4.8%
$15k–$25k	7.8%
$25k–$35k	6.9%
$35k–$50k	7.1%
$50k–$75k	14.5%
$75k–$100k	16.9%
$100k–$150k	21.6%
$150k–$200k	7.4%
$200k+	8.4%
Median income	$83,594

Housing

Home values

Under $50k 2.4%

$50k–$100k 19.8%

$100k–$150k 13.1%

$150k–$200k 29.5%

$200k–$300k 12.3%

$300k–$500k 15.9%

$500k–$1M 3.7%

$1M+ 3.2%

Housing overview

Metric	Value
Median home value	$172,700
Median rent / month	$748
Owner occupied	80.0%
Renter occupied	20.0%
Vacant	61.6%
Single-family detached	80.6%
Large apartment buildings	1.8%
Mobile homes	14.6%
Median rooms	4.9
Avg household size (owned)	2.20

Year built

Era	%
2020 or later	0.0%
2010–2019	5.4%
2000–2009	10.9%
1990–1999	12.1%
1980–1989	7.6%
1970–1979	9.7%
1960–1969	10.8%
1950–1959	14.1%
1940–1949	6.5%
1939 or earlier	22.9%

Bedrooms

Size	% of units
No bedroom (studio)	1.3%
1 bedroom	9.7%
2 bedrooms	36.8%
3 bedrooms	38.1%
4 bedrooms	9.1%
5+ bedrooms	5.0%

Vehicles per household

Vehicles	% of households
No vehicle	1.0%
1 vehicle	24.7%
2 vehicles	57.2%
3 or more	17.1%

Heating fuel

Fuel type	%
Utility gas	1.6%
Electricity	12.6%
Propane / LP gas	40.5%
Fuel oil	28.6%
Wood	12.2%
No fuel used	1.2%

Households & families

Household type	Count	%
Married-couple family	378	65.2%
Cohabiting couple	30	5.2%
Male householder, no spouse	103	17.8%
Female householder, no spouse	69	11.9%
Households with children under 18	130	22.4%
Households with seniors (65+)	293	50.5%
Average household size	2.34

Marital status

Status	Male	Female
Never married	20.8%	9.4%
Married	65.9%	75.9%
Separated	0.0%	3.9%
Widowed	4.1%	5.7%
Divorced	9.2%	5.0%

Education

Less than 9th grade 0.5%

Some HS, no diploma 3.8%

HS graduate 26.5%

Some college, no degree 25.2%

Associate's degree 17.3%

Bachelor's degree 14.5%

Graduate / professional 12.1%

Metric	%
HS diploma or higher	95.7%
Bachelor's or higher	26.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	43	18.2%
Elementary school	103	43.6%
High school	55	23.3%
College / grad school	35	14.8%

Employment

Industry of employment

Education & healthcare 31.2%

Retail trade 17.1%

Arts, food & hospitality 15.5%

Manufacturing 7.5%

Transportation & utilities 5.7%

Other services 4.9%

Professional & management 4.7%

Information 3.7%

Public administration 3.5%

Construction 3.3%

Agriculture & mining 2.2%

Wholesale trade 0.8%

Occupation

Category	%
Management, business & arts	47.3%
Service	13.4%
Sales & office	15.3%
Natural resources & construction	13.8%
Production & transportation	10.2%

Employment type

Type	%
Private sector	64.8%
Government	29.5%
Self-employed	5.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	79.1%
Carpool	2.1%
Public transit	1.9%
Walk	2.9%
Work from home	11.4%
Other means	2.7%
Avg commute (minutes)	25.6

Poverty

All people 17.0%

Under 18 years 30.8%

18 and over 13.9%

Married-couple families 2.4%

Female-led households 52.9%

Income support

Source	% of households
Social Security	54.5%
Retirement income	44.7%
Supplemental Security	10.9%
Cash public assistance	0.5%
Food stamps / SNAP	12.2%

Health indicators

Condition	%
Obesity	32.2%
High blood pressure	37.0%
High cholesterol	35.6%
Diabetes	10.9%
Heart disease	7.5%
Stroke	3.5%
Asthma	9.9%
Arthritis	28.3%
Kidney disease	3.3%
Pulmonary disease	8.1%
Cancer	7.7%

Behavior / access	%
Smoking	17.5%
Binge drinking	16.8%
No physical activity	26.1%
Less than 7 hrs sleep	32.2%
Depression	21.6%
Fair or poor health	13.2%
Poor mental health	13.7%
Poor physical health	10.6%
No health insurance	10.8%
Visited doctor (checkup)	80.7%
Visited dentist	63.3%
Cholesterol screening	91.1%
Teeth loss	15.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	83	7.6%

Disability	%
Any disability	13.7%
Under 18	7.8%
18–64 years	11.7%
65 and over	19.7%

Health insurance coverage

Type	%
Private insurance	67.7%
Public insurance	54.7%
No insurance	3.2%
Uninsured under 19	1.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,290	95.2%
Spanish	3	0.2%
Other Indo-European	3	0.2%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,325	97.8%
Born in same state	1,325	97.8%
Born in different state	1,079	79.6%
Foreign born	0	0.0%
Naturalized citizen	30	2.2%
Not a US citizen	18	60.0%

Ancestry

Ancestry	Count	%
French	218	16.1%
Italian	191	14.1%
German	91	6.7%
Arab	78	5.8%

Ancestry	Count	%
Polish	45	3.3%
English	19	1.4%
Irish	13	1%
Norwegian	7	0.5%

Technology access

Metric	% of households
Computer access	42.8%
Internet access	95.7%

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

Frequently asked questions about ZIP code 13650

What city is ZIP code 13650 in?

ZIP code 13650 is primarily assigned to Henderson, New York.

What county is ZIP code 13650 in?

ZIP code 13650 falls within Jefferson County, New York.

Does ZIP code 13650 have an older population?

34% of residents in ZIP code 13650 are 65 or older, above the national average of ~17%.

Does ZIP code 13650 have a large retiree population?

55% of households in ZIP code 13650 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 13650?

17% of residents in ZIP code 13650 live below the poverty line, above the national average.

What is the typical home value in ZIP code 13650?

The median home value in ZIP code 13650 is $172,700.

What timezone is ZIP code 13650 in?

ZIP code 13650 observes the EST timezone.