ZIP code 13820

ZIP 13820 is a mid-size town in Otsego County, New York, with 22,954 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #287 of 1,824 ranked by population — larger than 84% of them. The median age here is 32 years against 39.1 nationally, a distinctly younger profile, typical of places with students, military posts or a fast-growing family population. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 13820 earn a median of $66,217 a year, 15.7% below the national figure of $78,538. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 18.4% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 13820 is valued at $176,300, 41.9% below the national figure, while median gross rent runs $983 a month, 30.1% below the national figure, or roughly $11,796 across a full year. A household on the local median income would put about 17.8% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 2.7×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 64.1% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 13820 is tabulated inside Otsego County, New York, one of 35 ZIP areas the Census publishes for that county and 1,826 across New York. This is a mid-sized suburban ZIP inside a county that is split across many delivery areas. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 13820 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 13820 reports a median household income of $66,217, 3% below the $68,182 county median, and 17% below the $79,429 typical NY ZIP. Owner-occupied homes are valued at a median of $176,300, 6% above the county figure and 24% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $983 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

New York charges 4% statewide, and local governments overlapping 13820 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 13820 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.