13807 ZIP Code — Milford, NY

Otsego County, New York

ZIP code 13807 is located in Milford, New York, within Otsego County. It covers approximately 21.47 square miles and serves a population of 1,296 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 607.

About ZIP code 13807

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 $145,200. Owner-occupancy is high at 80%, well above the national average.

Median household income is $71,500. 41% 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 near the national average, with 30% of residents holding a bachelor's degree or higher.

Overall, ZIP code 13807 reflects a community defined by high homeownership and a significant Social Security-dependent population.

1,296

population

21.47

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

13807 ZIP code map

Cities in ZIP code 13807

Below are the cities the US Postal Service accepts for ZIP code 13807. Using any city not on this list may result in mail delivery delays.

City	Status
Milford	Preferred

Nearby ZIP codes

12116 Maryland (5.3 mi) 13834 Portlandville (6.1 mi) 13810 Mount Vision (6.4 mi) 13820 Oneonta (7.4 mi) 12155 Schenevus (8.2 mi) 13348 Hartwick (8.7 mi) 13796 Laurens (8.9 mi) 13326 Cooperstown (9.2 mi) 13861 West Oneonta (10.8 mi) 13337 Fly Creek (11 mi) 13751 Davenport Center (11.1 mi) 13750 Davenport (11.1 mi)

Demographics updated 05/2026

Population
Total population	1,296
Population density	60 / sq mi
State FIPS	36
County FIPS	077

Geography
Land area	21.47 sq mi
Water area	0.27 sq mi
Latitude	42.5928
Longitude	-74.9908
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	38.0%	44.3%	37.0%
$50k – $100k	32.7%	33.2%	27.0%
$100k – $200k	24.0%	19.2%	24.4%
Over $200k	5.3%	3.3%	11.5%

Demographics & statistics

1,296

Population

People per sq mi

46.8

Median age

$71,500

Median household income

$37,523

Per capita income

$145,200

Median home value

$747

Median monthly rent

79.8%

Home ownership

11.0%

Poverty rate

10.2%

Unemployment

626

Housing units

29.6%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

110

35–44

116

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	215	16.6%
18 and over	1,081	83.4%
65 and over	237	18.3%
Median age	46.8 years

Race & ethnicity

White 94.4%

Two or more races 2.4%

Hispanic or Latino 1.5%

Asian 0.9%

Black or African American 0.8%

Group	Count	%
White	1,242	94.4%
Two or more races	31	2.4%
Hispanic or Latino	20	1.5%
Asian	12	0.9%
Black or African American	11	0.8%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	38.0%	44.3%	37.0%
$50k – $100k	32.7%	33.2%	27.0%
$100k – $200k	24.0%	19.2%	24.4%
Over $200k	5.3%	3.3%	11.5%

Under $10k 4.3%

$10k–$15k 5.1%

$15k–$25k 6.9%

$25k–$35k 4.5%

$35k–$50k 11.6%

$50k–$75k 18.4%

$75k–$100k 21.2%

$100k–$150k 11.4%

$150k–$200k 12.2%

$200k+ 4.3%

Range	% of households
Under $10k	4.3%
$10k–$15k	5.1%
$15k–$25k	6.9%
$25k–$35k	4.5%
$35k–$50k	11.6%
$50k–$75k	18.4%
$75k–$100k	21.2%
$100k–$150k	11.4%
$150k–$200k	12.2%
$200k+	4.3%
Median income	$71,500

Housing

Home values

Under $50k 14.8%

$50k–$100k 13.6%

$100k–$150k 24.3%

$150k–$200k 22.0%

$200k–$300k 10.7%

$300k–$500k 9.5%

$500k–$1M 2.8%

$1M+ 2.3%

Housing overview

Metric	Value
Median home value	$145,200
Median rent / month	$747
Owner occupied	79.8%
Renter occupied	20.2%
Vacant	32.4%
Single-family detached	67.0%
Large apartment buildings	4.3%
Mobile homes	19.6%
Median rooms	6.4
Avg household size (owned)	2.73

Year built

Era	%
2020 or later	0.0%
2010–2019	6.8%
2000–2009	4.6%
1990–1999	14.3%
1980–1989	19.4%
1970–1979	3.9%
1960–1969	7.9%
1950–1959	1.5%
1940–1949	2.8%
1939 or earlier	38.9%

Bedrooms

Size	% of units
No bedroom (studio)	1.1%
1 bedroom	7.6%
2 bedrooms	21.1%
3 bedrooms	47.7%
4 bedrooms	20.6%
5+ bedrooms	1.9%

Vehicles per household

Vehicles	% of households
No vehicle	6.1%
1 vehicle	35.1%
2 vehicles	48.6%
3 or more	10.2%

Heating fuel

Fuel type	%
Utility gas	4.3%
Electricity	16.3%
Propane / LP gas	18.4%
Fuel oil	52.0%
Wood	7.1%

Households & families

Household type	Count	%
Married-couple family	299	61.0%
Cohabiting couple	49	10.0%
Male householder, no spouse	57	11.6%
Female householder, no spouse	85	17.3%
Households with children under 18	111	22.7%
Households with seniors (65+)	157	32.0%
Average household size	2.63

Marital status

Status	Male	Female
Never married	31.2%	27.8%
Married	55.3%	55.3%
Separated	1.1%	1.7%
Widowed	5.2%	8.7%
Divorced	7.3%	6.5%

Education

Less than 9th grade 1.2%

Some HS, no diploma 8.1%

HS graduate 39.0%

Some college, no degree 6.8%

Associate's degree 15.2%

Bachelor's degree 17.4%

Graduate / professional 12.3%

Metric	%
HS diploma or higher	90.7%
Bachelor's or higher	29.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	12	4.6%
Kindergarten	2	0.8%
Elementary school	149	57.1%
High school	27	10.3%
College / grad school	71	27.2%

Employment

Industry of employment

Education & healthcare 37.3%

Construction 16.8%

Arts, food & hospitality 13.5%

Retail trade 6.1%

Public administration 5.3%

Transportation & utilities 3.9%

Other services 3.6%

Agriculture & mining 3.4%

Wholesale trade 3.4%

Professional & management 2.6%

Manufacturing 2.2%

Finance & real estate 1.9%

Information 0.2%

Occupation

Category	%
Management, business & arts	33.1%
Service	28.0%
Sales & office	12.6%
Natural resources & construction	17.7%
Production & transportation	8.7%

Employment type

Type	%
Private sector	66.9%
Government	22.0%
Self-employed	10.7%
Unpaid family workers	0.3%

Commute

Method	%
Drive alone	78.1%
Carpool	5.7%
Public transit	0.0%
Walk	3.7%
Work from home	9.8%
Other means	2.6%
Avg commute (minutes)	18.1

Poverty

All people 11.0%

Under 18 years 6.0%

18 and over 11.9%

Married-couple families 5.4%

Female-led households 2.3%

Income support

Source	% of households
Social Security	41.4%
Retirement income	39.8%
Supplemental Security	5.3%
Cash public assistance	0.4%
Food stamps / SNAP	5.5%

Health indicators

Condition	%
Obesity	32.8%
High blood pressure	31.0%
High cholesterol	33.9%
Diabetes	10.6%
Heart disease	7.3%
Stroke	3.3%
Asthma	11.0%
Arthritis	24.8%
Kidney disease	3.2%
Pulmonary disease	8.2%
Cancer	7.5%

Behavior / access	%
Smoking	19.0%
Binge drinking	15.1%
No physical activity	22.2%
Less than 7 hrs sleep	33.3%
Depression	22.8%
Fair or poor health	13.5%
Poor mental health	14.3%
Poor physical health	11.0%
No health insurance	10.2%
Visited doctor (checkup)	79.8%
Visited dentist	61.7%
Cholesterol screening	91.0%
Teeth loss	15.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	80	7.4%

Disability	%
Any disability	15.4%
Under 18	1.9%
18–64 years	15.0%
65 and over	29.1%

Health insurance coverage

Type	%
Private insurance	74.2%
Public insurance	36.5%
No insurance	2.7%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,264	97.5%
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)	1,257	97.0%
Born in same state	1,255	96.8%
Born in different state	1,121	86.5%
Foreign born	2	0.2%
Naturalized citizen	39	3.0%
Not a US citizen	21	53.8%

Ancestry

Ancestry	Count	%
French	322	24.8%
Italian	185	14.3%
Arab	127	9.8%
English	63	4.9%

Ancestry	Count	%
Polish	6	0.5%
Dutch	6	0.5%
German	5	0.4%

Technology access

Metric	% of households
Computer access	37.8%
Internet access	90.0%

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

Frequently asked questions about ZIP code 13807

What city is ZIP code 13807 in?

ZIP code 13807 is primarily assigned to Milford, New York.

What county is ZIP code 13807 in?

ZIP code 13807 falls within Otsego County, New York.

Does ZIP code 13807 have a large retiree population?

41% of households in ZIP code 13807 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 13807?

The median home value in ZIP code 13807 is $145,200.

What is the population of ZIP code 13807?

ZIP code 13807 has an estimated population of 1,296 residents, with a density of 60 people per square mile.

What is the median household income in ZIP code 13807?

The median household income in ZIP code 13807 is $71,500, below the national median of ~$75,000.

What timezone is ZIP code 13807 in?

ZIP code 13807 observes the EST timezone.