13101 ZIP Code — Mc Graw, NY

Cortland County, New York

ZIP code 13101 is located in Mc Graw, New York, within Cortland County. It covers approximately 38.39 square miles and serves a population of 2,410 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 607.

About ZIP code 13101

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 $115,300. Owner-occupancy sits near the national average at 70%.

Median household income is $60,197. 38% 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 20 minutes is near the national average.

College attainment at 15% is below the national average, consistent with a trades and production-oriented local economy.

Overall, ZIP code 13101 reflects a community defined by a trades-oriented workforce and a significant Social Security-dependent population.

2,410

population

38.39

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

13101 ZIP code map

Cities in ZIP code 13101

Below are the cities the US Postal Service accepts for ZIP code 13101. Using any city not on this list may result in mail delivery delays.

City	Status
Mc Graw	Acceptable
Mc Graw	Preferred

Nearby ZIP codes

13045 Cortland (5.9 mi) 13040 Cincinnatus (7.6 mi) 13803 Marathon (8.3 mi) 13158 Truxton (9.8 mi) 13077 Homer (10.3 mi) 13136 Pitcher (11.4 mi) 13052 De Ruyter (12.1 mi) 13124 North Pitcher (12.6 mi) 13863 Willet (13.5 mi) 13053 Dryden (13.6 mi) 13141 Preble (13.9 mi) 13159 Tully (14.5 mi)

Demographics updated 05/2026

Population
Total population	2,410
Population density	63 / sq mi
State FIPS	36
County FIPS	023

Geography
Land area	38.39 sq mi
Water area	0.01 sq mi
Latitude	42.6016
Longitude	-76.0639
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	41.9%	42.3%	37.0%
$50k – $100k	39.7%	34.5%	27.0%
$100k – $200k	18.0%	20.0%	24.4%
Over $200k	0.3%	3.2%	11.5%

Demographics & statistics

2,410

Population

People per sq mi

36.8

Median age

$60,197

Median household income

$26,112

Per capita income

$115,300

Median home value

$858

Median monthly rent

69.6%

Home ownership

10.2%

Poverty rate

5.6%

Unemployment

741

Housing units

15.4%

Bachelor's or higher

Age distribution

Male Female

Under 5

135

5–9

111

147

10–14

121

15–19

20–24

131

25–34

108

218

35–44

180

108

45–54

55–59

60–64

102

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	722	30.0%
18 and over	1,688	70.0%
65 and over	363	15.1%
Median age	36.8 years

Race & ethnicity

White 92.1%

Two or more races 4.6%

Hispanic or Latino 1.9%

Other race 1.4%

Group	Count	%
White	2,263	92.1%
Two or more races	113	4.6%
Hispanic or Latino	46	1.9%
Other race	34	1.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	41.9%	42.3%	37.0%
$50k – $100k	39.7%	34.5%	27.0%
$100k – $200k	18.0%	20.0%	24.4%
Over $200k	0.3%	3.2%	11.5%

Under $10k 0.5%

$10k–$15k 4.9%

$15k–$25k 12.0%

$25k–$35k 10.3%

$35k–$50k 14.5%

$50k–$75k 28.0%

$75k–$100k 10.3%

$100k–$150k 14.1%

$150k–$200k 3.3%

$200k+ 2.2%

Range	% of households
Under $10k	0.5%
$10k–$15k	4.9%
$15k–$25k	12.0%
$25k–$35k	10.3%
$35k–$50k	14.5%
$50k–$75k	28.0%
$75k–$100k	10.3%
$100k–$150k	14.1%
$150k–$200k	3.3%
$200k+	2.2%
Median income	$60,197

Housing

Home values

Under $50k 6.2%

$50k–$100k 35.1%

$100k–$150k 20.4%

$150k–$200k 15.5%

$200k–$300k 17.0%

$300k–$500k 4.9%

$500k–$1M 0.9%

Housing overview

Metric	Value
Median home value	$115,300
Median rent / month	$858
Owner occupied	69.6%
Renter occupied	30.4%
Vacant	8.1%
Single-family detached	76.1%
Large apartment buildings	0.0%
Mobile homes	5.8%
Median rooms	6.7
Avg household size (owned)	2.65

Year built

Era	%
2020 or later	0.0%
2010–2019	1.7%
2000–2009	3.8%
1990–1999	5.5%
1980–1989	14.6%
1970–1979	6.2%
1960–1969	10.2%
1950–1959	13.8%
1940–1949	2.0%
1939 or earlier	42.1%

Bedrooms

Size	% of units
No bedroom (studio)	1.1%
1 bedroom	6.3%
2 bedrooms	25.8%
3 bedrooms	41.7%
4 bedrooms	22.4%
5+ bedrooms	2.7%

Vehicles per household

Vehicles	% of households
No vehicle	3.3%
1 vehicle	40.1%
2 vehicles	43.9%
3 or more	12.7%

Heating fuel

Fuel type	%
Utility gas	45.2%
Electricity	6.5%
Propane / LP gas	15.2%
Fuel oil	19.5%
Wood	9.9%
Solar	0.2%

Households & families

Household type	Count	%
Married-couple family	368	38.9%
Cohabiting couple	143	15.1%
Male householder, no spouse	203	21.5%
Female householder, no spouse	231	24.4%
Households with children under 18	324	34.3%
Households with seniors (65+)	288	30.5%
Average household size	2.54

Marital status

Status	Male	Female
Never married	37.2%	31.3%
Married	44.4%	43.5%
Separated	4.2%	4.1%
Widowed	1.1%	12.0%
Divorced	13.1%	9.0%

Education

Less than 9th grade 2.6%

Some HS, no diploma 5.6%

HS graduate 41.0%

Some college, no degree 23.5%

Associate's degree 11.8%

Bachelor's degree 10.8%

Graduate / professional 4.6%

Metric	%
HS diploma or higher	91.7%
Bachelor's or higher	15.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	29	4.0%
Kindergarten	39	5.3%
Elementary school	431	59.1%
High school	158	21.7%
College / grad school	72	9.9%

Employment

Industry of employment

Education & healthcare 27.1%

Manufacturing 14.5%

Construction 9.3%

Retail trade 8.8%

Professional & management 8.6%

Arts, food & hospitality 7.2%

Other services 6.6%

Transportation & utilities 6.4%

Public administration 6.1%

Finance & real estate 3.0%

Wholesale trade 1.2%

Agriculture & mining 1.1%

Information 0.2%

Occupation

Category	%
Management, business & arts	24.5%
Service	21.1%
Sales & office	18.4%
Natural resources & construction	12.1%
Production & transportation	24.0%

Employment type

Type	%
Private sector	70.9%
Government	18.1%
Self-employed	11.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	77.1%
Carpool	16.4%
Public transit	1.5%
Walk	1.5%
Work from home	3.5%
Other means	0.0%
Avg commute (minutes)	20.0

Poverty

All people 10.2%

Under 18 years 9.5%

18 and over 10.4%

Married-couple families 5.4%

Female-led households 34.3%

Income support

Source	% of households
Social Security	38.3%
Retirement income	29.1%
Supplemental Security	8.0%
Cash public assistance	2.1%
Food stamps / SNAP	11.3%

Health indicators

Condition	%
Obesity	28.6%
High blood pressure	31.2%
High cholesterol	32.4%
Diabetes	8.9%
Heart disease	6.3%
Stroke	2.9%
Asthma	10.3%
Arthritis	24.6%
Kidney disease	2.8%
Pulmonary disease	7.1%
Cancer	6.9%

Behavior / access	%
Smoking	18.0%
Binge drinking	18.6%
No physical activity	23.2%
Less than 7 hrs sleep	35.6%
Depression	21.2%
Fair or poor health	12.2%
Poor mental health	14.4%
Poor physical health	9.9%
No health insurance	10.4%
Visited doctor (checkup)	76.5%
Visited dentist	63.6%
Cholesterol screening	90.5%
Teeth loss	13.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	151	8.9%

Disability	%
Any disability	13.5%
Under 18	5.4%
18–64 years	10.3%
65 and over	41.6%

Health insurance coverage

Type	%
Private insurance	59.2%
Public insurance	51.7%
No insurance	2.6%
Uninsured under 19	0.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,295	95.2%
Spanish	4	0.2%
Other Indo-European	3	0.1%
Asian & Pacific Islander	1	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,403	99.7%
Born in same state	2,391	99.2%
Born in different state	2,126	88.2%
Foreign born	12	0.5%
Naturalized citizen	7	0.3%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Italian	511	21.2%
French	404	16.8%
Arab	172	7.1%

Ancestry	Count	%
English	97	4%
German	75	3.1%

Technology access

Metric	% of households
Computer access	39.2%
Internet access	90.7%

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

Frequently asked questions about ZIP code 13101

What city is ZIP code 13101 in?

ZIP code 13101 is primarily assigned to Mc Graw, New York.

What county is ZIP code 13101 in?

ZIP code 13101 falls within Cortland County, New York.

Does ZIP code 13101 have a large retiree population?

38% of households in ZIP code 13101 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 13101?

The median home value in ZIP code 13101 is $115,300.

What is the population of ZIP code 13101?

ZIP code 13101 has an estimated population of 2,410 residents, with a density of 63 people per square mile.

What is the median household income in ZIP code 13101?

The median household income in ZIP code 13101 is $60,197, below the national median of ~$75,000.

What timezone is ZIP code 13101 in?

ZIP code 13101 observes the EST timezone.