13126 ZIP Code — Oswego, NY

Oswego County, New York

ZIP code 13126 is located in Oswego, New York, within Oswego County. It covers approximately 100.67 square miles and serves a population of 36,278 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 315.

About ZIP code 13126

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 $131,300. Owner-occupancy sits near the national average at 66%.

Median household income is $60,475. Poverty affects 19% of residents, above the national average. 36% 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 19 minutes is near the national average.

Educational attainment is near the national average, with 28% of residents holding a bachelor's degree or higher.

Overall, ZIP code 13126 reflects a community defined by economic challenges above the national average and a significant Social Security-dependent population.

36,278

population

100.67

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

13126 ZIP code map

Cities in ZIP code 13126

Below are the cities the US Postal Service accepts for ZIP code 13126. Using any city not on this list may result in mail delivery delays.

City	Status
Oswego	Acceptable
Oswego	Preferred

Nearby ZIP codes

13069 Fulton (8.2 mi) 13074 Hannibal (9.3 mi) 13114 Mexico (10.8 mi) 13156 Sterling (12.3 mi) 13135 Phoenix (12.8 mi) 13111 Martville (15 mi) 13132 Pennellville (15.9 mi) 13076 Hastings (16 mi) 13036 Central Square (16 mi) 13131 Parish (17.8 mi) 13033 Cato (18 mi) 13142 Pulaski (18.3 mi)

Demographics updated 06/2026

Population
Total population	36,278
Population density	360 / sq mi
State FIPS	36
County FIPS	075

Geography
Land area	100.67 sq mi
Water area	9.57 sq mi
Latitude	43.4346
Longitude	-76.4537
Timezone	Eastern (ET)
Area code	315

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	46.7%	42.0%	37.0%
$50k – $100k	30.3%	33.3%	27.0%
$100k – $200k	18.7%	21.1%	24.4%
Over $200k	4.3%	3.6%	11.5%

Demographics & statistics

36,278

Population

360

People per sq mi

35.6

Median age

$60,475

Median household income

$31,917

Per capita income

$131,300

Median home value

$955

Median monthly rent

66.0%

Home ownership

19.1%

Poverty rate

9.2%

Unemployment

10,876

Housing units

28.2%

Bachelor's or higher

Age distribution

Male Female

780

Under 5

796

967

5–9

986

954

10–14

972

2,362

15–19

2,407

1,899

20–24

1,936

1,911

25–34

1,948

1,760

35–44

1,794

1,953

45–54

1,991

1,304

55–59

1,330

1,123

60–64

1,145

1,599

65–74

1,629

924

75–84

942

429

85+

437

← Male

Female →

Age summary

Group	Count	%
Under 18	6,975	19.2%
18 and over	29,303	80.8%
65 and over	5,960	16.4%
Median age	35.6 years

Race & ethnicity

White 87.8%

Two or more races 3.8%

Hispanic or Latino 2.9%

Black or African American 2.3%

Asian 1.8%

Other race 1.2%

Native Hawaiian / Pacific Islander 0.1%

American Indian / Alaska Native 0.1%

Group	Count	%
White	32,810	87.8%
Two or more races	1,423	3.8%
Hispanic or Latino	1,078	2.9%
Black or African American	859	2.3%
Asian	654	1.8%
Other race	465	1.2%
Native Hawaiian / Pacific Islander	43	0.1%
American Indian / Alaska Native	24	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	46.7%	42.0%	37.0%
$50k – $100k	30.3%	33.3%	27.0%
$100k – $200k	18.7%	21.1%	24.4%
Over $200k	4.3%	3.6%	11.5%

Under $10k 4.9%

$10k–$15k 5.3%

$15k–$25k 9.5%

$25k–$35k 11.2%

$35k–$50k 11.2%

$50k–$75k 15.6%

$75k–$100k 13.9%

$100k–$150k 14.1%

$150k–$200k 7.4%

$200k+ 6.7%

Range	% of households
Under $10k	4.9%
$10k–$15k	5.3%
$15k–$25k	9.5%
$25k–$35k	11.2%
$35k–$50k	11.2%
$50k–$75k	15.6%
$75k–$100k	13.9%
$100k–$150k	14.1%
$150k–$200k	7.4%
$200k+	6.7%
Median income	$60,475

Housing

Home values

Under $50k 9.1%

$50k–$100k 24.2%

$100k–$150k 27.1%

$150k–$200k 17.1%

$200k–$300k 16.7%

$300k–$500k 4.6%

$500k–$1M 1.0%

$1M+ 0.1%

Housing overview

Metric	Value
Median home value	$131,300
Median rent / month	$955
Owner occupied	66.0%
Renter occupied	34.0%
Vacant	11.5%
Single-family detached	67.0%
Large apartment buildings	5.5%
Mobile homes	6.6%
Median rooms	6.0
Avg household size (owned)	2.48

Year built

Era	%
2020 or later	0.5%
2010–2019	2.3%
2000–2009	6.5%
1990–1999	8.2%
1980–1989	10.5%
1970–1979	12.3%
1960–1969	9.2%
1950–1959	7.6%
1940–1949	4.6%
1939 or earlier	38.3%

Bedrooms

Size	% of units
No bedroom (studio)	1.8%
1 bedroom	11.7%
2 bedrooms	26.8%
3 bedrooms	37.2%
4 bedrooms	17.7%
5+ bedrooms	4.7%

Vehicles per household

Vehicles	% of households
No vehicle	11.3%
1 vehicle	38.9%
2 vehicles	34.5%
3 or more	15.4%

Heating fuel

Fuel type	%
Utility gas	61.2%
Electricity	18.1%
Propane / LP gas	9.2%
Fuel oil	4.8%
Wood	4.3%
No fuel used	0.4%

Households & families

Household type	Count	%
Married-couple family	5,674	41.2%
Cohabiting couple	1,249	9.1%
Male householder, no spouse	2,820	20.5%
Female householder, no spouse	4,016	29.2%
Households with children under 18	3,915	28.5%
Households with seniors (65+)	4,373	31.8%
Average household size	2.32

Marital status

Status	Male	Female
Never married	47.3%	38.2%
Married	39.2%	39.0%
Separated	2.1%	3.1%
Widowed	2.6%	10.2%
Divorced	8.8%	9.5%

Education

Less than 9th grade 2.3%

Some HS, no diploma 6.0%

HS graduate 33.9%

Some college, no degree 17.9%

Associate's degree 11.7%

Bachelor's degree 15.0%

Graduate / professional 13.2%

Metric	%
HS diploma or higher	91.7%
Bachelor's or higher	28.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	494	4.2%
Kindergarten	258	2.2%
Elementary school	3,242	27.7%
High school	1,668	14.3%
College / grad school	6,026	51.6%

Employment

Industry of employment

Education & healthcare 31.1%

Retail trade 15.1%

Arts, food & hospitality 10.4%

Manufacturing 9.3%

Transportation & utilities 8.0%

Professional & management 5.3%

Public administration 4.8%

Construction 4.6%

Other services 4.6%

Finance & real estate 3.6%

Wholesale trade 1.3%

Agriculture & mining 1.0%

Information 1.0%

Occupation

Category	%
Management, business & arts	35.1%
Service	20.3%
Sales & office	22.3%
Natural resources & construction	7.9%
Production & transportation	14.4%

Employment type

Type	%
Private sector	73.4%
Government	21.2%
Self-employed	5.4%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	72.8%
Carpool	9.6%
Public transit	1.7%
Walk	8.2%
Work from home	6.7%
Other means	1.0%
Avg commute (minutes)	19.1

Poverty

All people 19.1%

Under 18 years 32.1%

18 and over 15.6%

Married-couple families 4.9%

Female-led households 28.3%

Income support

Source	% of households
Social Security	36.0%
Retirement income	33.0%
Supplemental Security	6.0%
Cash public assistance	5.5%
Food stamps / SNAP	15.6%

Health indicators

Condition	%
Obesity	29.8%
High blood pressure	28.8%
High cholesterol	28.7%
Diabetes	8.4%
Heart disease	5.9%
Stroke	2.8%
Asthma	11.1%
Arthritis	22.2%
Kidney disease	2.7%
Pulmonary disease	7.0%
Cancer	6.0%

Behavior / access	%
Smoking	17.1%
Binge drinking	18.1%
No physical activity	23.0%
Less than 7 hrs sleep	33.1%
Depression	22.1%
Fair or poor health	12.8%
Poor mental health	16.2%
Poor physical health	9.9%
No health insurance	10.9%
Visited doctor (checkup)	75.6%
Visited dentist	63.2%
Cholesterol screening	86.8%
Teeth loss	16.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,840	6.3%

Disability	%
Any disability	15.5%
Under 18	6.1%
18–64 years	13.0%
65 and over	37.7%

Health insurance coverage

Type	%
Private insurance	68.5%
Public insurance	41.4%
No insurance	3.4%
Uninsured under 19	2.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	34,702	95.7%
Spanish	435	1.3%
Other Indo-European	93	0.3%
Asian & Pacific Islander	48	0.1%
Other languages	244	0.7%

Place of birth & citizenship

Origin	Count	%
Native born (US)	35,158	96.9%
Born in same state	34,921	96.3%
Born in different state	30,253	83.4%
Foreign born	237	0.7%
Naturalized citizen	1,120	3.1%
Not a US citizen	652	58.2%

Ancestry

Ancestry	Count	%
Italian	8,350	23%
French	4,414	12.2%
Arab	1,343	3.7%
German	707	1.9%
English	544	1.5%

Ancestry	Count	%
Polish	90	0.2%
Norwegian	67	0.2%
Irish	50	0.1%
Dutch	10	0%

Technology access

Metric	% of households
Computer access	37.9%
Internet access	92.1%

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

Frequently asked questions about ZIP code 13126

What city is ZIP code 13126 in?

ZIP code 13126 is primarily assigned to Oswego, New York.

What county is ZIP code 13126 in?

ZIP code 13126 falls within Oswego County, New York.

What is the poverty rate in ZIP code 13126?

19% of residents in ZIP code 13126 live below the poverty line, above the national average.

Does ZIP code 13126 have a large retiree population?

36% of households in ZIP code 13126 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 13126?

The median home value in ZIP code 13126 is $131,300.

What is the population of ZIP code 13126?

ZIP code 13126 has an estimated population of 36,278 residents, with a density of 360 people per square mile.

What timezone is ZIP code 13126 in?

ZIP code 13126 observes the EST timezone.