13820 ZIP Code — Oneonta, NY
Otsego County, New York
ZIP code 13820 is located in Oneonta, New York, within Otsego County. It covers approximately 107.34 square miles and serves a population of 22,500 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 607.
About ZIP code 13820
The housing stock consists of a mix of housing types. Most homes were built in the pre-1940, giving the area an established character. Median home value is $166,600. Owner-occupancy sits near the national average at 63%.
Median household income is $65,483. 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 18 minutes is near the national average.
Educational attainment is near the national average, with 40% of residents holding a bachelor's degree or higher.
22,500
population
107.34
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
13820 ZIP code map
Cities in ZIP code 13820
Below are the cities the US Postal Service accepts for ZIP code 13820. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Oneonta | Acceptable |
| Oneonta | Preferred |
Nearby ZIP codes
13834 Portlandville (2.7 mi)
13861 West Oneonta (5.9 mi)
12116 Maryland (6.6 mi)
13796 Laurens (7.3 mi)
13807 Milford (7.4 mi)
13751 Davenport Center (7.8 mi)
13806 Meridale (7.9 mi)
13757 East Meredith (8.7 mi)
13846 Treadwell (8.9 mi)
13810 Mount Vision (9.3 mi)
13750 Davenport (9.6 mi)
13825 Otego (10.2 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 22,500 |
| Population density | 210 / sq mi |
| State FIPS | 36 |
| County FIPS | 077 |
| Geography | |
|---|---|
| Land area | 107.34 sq mi |
| Water area | 0.63 sq mi |
| Latitude | 42.4904 |
| Longitude | -75.0309 |
| 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 | 45.0% | 44.3% | 37.0% |
| $50k – $100k | 33.6% | 33.2% | 27.0% |
| $100k – $200k | 19.0% | 19.2% | 24.4% |
| Over $200k | 2.4% | 3.3% | 11.5% |
Demographics & statistics
22,500
Population
210
People per sq mi
31.7
Median age
$65,483
Median household income
$31,069
Per capita income
$166,600
Median home value
$985
Median monthly rent
63.0%
Home ownership
16.1%
Poverty rate
4.6%
Unemployment
6,719
Housing units
39.5%
Bachelor's or higher
Age distribution
Male
Female
272
Under 5
292
256
5–9
276
498
10–14
536
1,619
15–19
1,741
1,920
20–24
2,064
1,239
25–34
1,332
950
35–44
1,022
958
45–54
1,031
549
55–59
591
592
60–64
637
1,135
65–74
1,221
596
75–84
641
256
85+
276
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 2,628 | 11.7% |
| 18 and over | 19,872 | 88.3% |
| 65 and over | 4,125 | 18.3% |
| Median age | 31.7 years | |
Race & ethnicity
White
82.7%
Black or African American
4.4%
Two or more races
4.3%
Hispanic or Latino
4.3%
Asian
2.1%
Other race
1.7%
Native Hawaiian / Pacific Islander
0.3%
American Indian / Alaska Native
0.2%
| Group | Count | % |
|---|---|---|
| White | 19,428 | 82.7% |
| Black or African American | 1,026 | 4.4% |
| Two or more races | 1,016 | 4.3% |
| Hispanic or Latino | 1,006 | 4.3% |
| Asian | 494 | 2.1% |
| Other race | 409 | 1.7% |
| Native Hawaiian / Pacific Islander | 73 | 0.3% |
| American Indian / Alaska Native | 54 | 0.2% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 45.0% | 44.3% | 37.0% |
| $50k – $100k | 33.6% | 33.2% | 27.0% |
| $100k – $200k | 19.0% | 19.2% | 24.4% |
| Over $200k | 2.4% | 3.3% | 11.5% |
Under $10k
4.8%
$10k–$15k
5.8%
$15k–$25k
9.7%
$25k–$35k
9.3%
$35k–$50k
8.3%
$50k–$75k
20.4%
$75k–$100k
14.9%
$100k–$150k
17.4%
$150k–$200k
4.7%
$200k+
4.9%
| Range | % of households |
|---|---|
| Under $10k | 4.8% |
| $10k–$15k | 5.8% |
| $15k–$25k | 9.7% |
| $25k–$35k | 9.3% |
| $35k–$50k | 8.3% |
| $50k–$75k | 20.4% |
| $75k–$100k | 14.9% |
| $100k–$150k | 17.4% |
| $150k–$200k | 4.7% |
| $200k+ | 4.9% |
| Median income | $65,483 |
Housing
Home values
Under $50k
5.3%
$50k–$100k
6.7%
$100k–$150k
25.8%
$150k–$200k
27.0%
$200k–$300k
22.0%
$300k–$500k
9.1%
$500k–$1M
3.9%
$1M+
0.1%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $166,600 |
| Median rent / month | $985 |
| Owner occupied | 63.0% |
| Renter occupied | 37.0% |
| Vacant | 18.3% |
| Single-family detached | 53.4% |
| Large apartment buildings | 4.0% |
| Mobile homes | 7.5% |
| Median rooms | 5.6 |
| Avg household size (owned) | 2.25 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.5% |
| 2010–2019 | 2.6% |
| 2000–2009 | 4.0% |
| 1990–1999 | 6.0% |
| 1980–1989 | 8.5% |
| 1970–1979 | 11.4% |
| 1960–1969 | 6.2% |
| 1950–1959 | 8.2% |
| 1940–1949 | 8.7% |
| 1939 or earlier | 43.8% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 4.7% |
| 1 bedroom | 12.7% |
| 2 bedrooms | 23.3% |
| 3 bedrooms | 38.0% |
| 4 bedrooms | 16.8% |
| 5+ bedrooms | 4.5% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 10.1% |
| 1 vehicle | 40.4% |
| 2 vehicles | 37.7% |
| 3 or more | 11.8% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 51.0% |
| Electricity | 17.7% |
| Propane / LP gas | 7.4% |
| Fuel oil | 17.1% |
| Wood | 5.4% |
| No fuel used | 0.4% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 3,021 | 38.4% |
| Cohabiting couple | 811 | 10.3% |
| Male householder, no spouse | 1,886 | 24.0% |
| Female householder, no spouse | 2,149 | 27.3% |
| Households with children under 18 | 1,646 | 20.9% |
| Households with seniors (65+) | 2,795 | 35.5% |
| Average household size | 2.21 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 54.9% | 50.9% |
| Married | 31.9% | 30.0% |
| Separated | 1.1% | 0.3% |
| Widowed | 2.4% | 9.7% |
| Divorced | 9.7% | 9.0% |
Education
Less than 9th grade
1.1%
Some HS, no diploma
5.7%
HS graduate
26.7%
Some college, no degree
17.8%
Associate's degree
9.1%
Bachelor's degree
21.5%
Graduate / professional
18.0%
| Metric | % |
|---|---|
| HS diploma or higher | 93.2% |
| Bachelor's or higher | 39.5% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 189 | 2.3% |
| Kindergarten | 71 | 0.9% |
| Elementary school | 1,365 | 16.7% |
| High school | 712 | 8.7% |
| College / grad school | 5,819 | 71.3% |
Employment
Industry of employment
Education & healthcare
35.5%
Retail trade
15.1%
Arts, food & hospitality
15.1%
Finance & real estate
5.6%
Public administration
5.2%
Other services
4.8%
Professional & management
4.1%
Manufacturing
3.9%
Construction
3.6%
Transportation & utilities
3.1%
Agriculture & mining
2.9%
Wholesale trade
0.9%
Information
0.1%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 34.8% |
| Service | 23.5% |
| Sales & office | 27.3% |
| Natural resources & construction | 7.7% |
| Production & transportation | 6.8% |
Employment type
| Type | % |
|---|---|
| Private sector | 71.6% |
| Government | 23.3% |
| Self-employed | 5.2% |
| Unpaid family workers | 0.0% |
Commute
| Method | % |
|---|---|
| Drive alone | 68.8% |
| Carpool | 7.9% |
| Public transit | 0.7% |
| Walk | 14.2% |
| Work from home | 7.0% |
| Other means | 1.3% |
| Avg commute (minutes) | 17.6 |
Poverty
All people
16.1%
Under 18 years
14.6%
18 and over
16.3%
Married-couple families
2.5%
Female-led households
37.0%
Income support
| Source | % of households |
|---|---|
| Social Security | 37.6% |
| Retirement income | 26.0% |
| Supplemental Security | 6.8% |
| Cash public assistance | 3.0% |
| Food stamps / SNAP | 11.8% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 27.5% |
| High blood pressure | 23.1% |
| High cholesterol | 26.8% |
| Diabetes | 7.4% |
| Heart disease | 5.3% |
| Stroke | 2.5% |
| Asthma | 11.1% |
| Arthritis | 17.9% |
| Kidney disease | 2.5% |
| Pulmonary disease | 5.9% |
| Cancer | 5.6% |
| Behavior / access | % |
|---|---|
| Smoking | 14.6% |
| Binge drinking | 17.7% |
| No physical activity | 18.9% |
| Less than 7 hrs sleep | 31.5% |
| Depression | 23.2% |
| Fair or poor health | 10.6% |
| Poor mental health | 15.9% |
| Poor physical health | 8.5% |
| No health insurance | 10.6% |
| Visited doctor (checkup) | 77.6% |
| Visited dentist | 64.8% |
| Cholesterol screening | 85.8% |
| Teeth loss | 15.0% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 1,040 | 5.3% |
| Disability | % |
|---|---|
| Any disability | 14.6% |
| Under 18 | 10.9% |
| 18–64 years | 10.6% |
| 65 and over | 33.0% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 74.7% |
| Public insurance | 35.7% |
| No insurance | 4.9% |
| Uninsured under 19 | 2.8% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 21,936 | 97.5% |
| Spanish | 471 | 2.1% |
| Other Indo-European | 91 | 0.4% |
| Asian & Pacific Islander | 129 | 0.6% |
| Other languages | 217 | 1.0% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 21,482 | 95.5% |
| Born in same state | 21,200 | 94.2% |
| Born in different state | 17,065 | 75.8% |
| Foreign born | 282 | 1.3% |
| Naturalized citizen | 1,018 | 4.5% |
| Not a US citizen | 592 | 58.2% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 3,945 | 17.5% |
| French | 2,938 | 13.1% |
| Arab | 900 | 4% |
| English | 598 | 2.7% |
| Polish | 323 | 1.4% |
| Ancestry | Count | % |
|---|---|---|
| German | 127 | 0.6% |
| Irish | 94 | 0.4% |
| Dutch | 71 | 0.3% |
| Norwegian | 26 | 0.1% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 35.0% |
| Internet access | 92.4% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 13820
What city is ZIP code 13820 in?
ZIP code 13820 is primarily assigned to Oneonta, New York.
What county is ZIP code 13820 in?
ZIP code 13820 falls within Otsego County, New York.
What is the poverty rate in ZIP code 13820?
16% of residents in ZIP code 13820 live below the poverty line, above the national average.
Does ZIP code 13820 have a large retiree population?
38% of households in ZIP code 13820 receive Social Security income, suggesting a significant retiree or disability population.
What is the typical home value in ZIP code 13820?
The median home value in ZIP code 13820 is $166,600.
What is the population of ZIP code 13820?
ZIP code 13820 has an estimated population of 22,500 residents, with a density of 210 people per square mile.
What timezone is ZIP code 13820 in?
ZIP code 13820 observes the EST timezone.