13820 ZIP Code Profile, Map, Data & Demographics

ZIP Code Type: STANDARD
County: Otsego County
Centroid: Latitude 42.481, Longitude -75.07
Time Zone: Eastern Time Zone (UTC -5 hours)
Observes DST: Yes

ZIP Code 13820 has segments in 2 Counties (Delaware, Otsego).

Businesses Addresses: 1,010
PO Box Addresses: 291
Residential Addresses: 8,152

Multi-Family Addresses: 529
Single Family Addresses: 7,623

The ZIP Code maps and database are updated 4 times per year.
Database updated: June 1, 2025, Maps updated: May 1, 2024.

Oneonta, NY 13820 Data & Demographics (As of July 1, 2025)

POPULATION
Total Population	23,275 (100%)
Population in Households	15,641 (67.2%)
Population in Families	10,069 (43.3%)
Population in Group Quarters¹	7,634 (32.8%)
Population Density	239
Diversity Index²	39


INCOME
Median Household Income	$65,273
Average Household Income	$81,837
% of Income for Mortgage⁴	19%
Per Capita Income	$27,719
Wealth Index⁵	63
Socioeconomic Status Index⁶	Moderate (48.5)

HOUSING
Total HU (Housing Units)	9,072 (100%)
Owner Occupied HU	4,415 (48.7%)
Renter Occupied HU	3,140 (34.6%)
Vacant Housing Units	1,517 (16.7%)
Median Home Value	$201,323
Average Home Value	$244,517
Housing Affordability Index³	109

HOUSEHOLDS
Total Households	7,555
Average Household Size	2.07
Family Households	3,739
Average Family Size	3.00

NOTES

Group Quarters - a place where people live or stay in a group living arrangement. Includes college residents halls, nursing facilities, military barracks, and correctional facilities.
The Diversity Index is a scale of 0 to 100 that represents the likelihood that two persons, chosen at random from the same area, belong to different races or ethnic groups. If an area's entire population belongs to one race AND one ethnic group, then the area has zero diversity. An area's diversity index increases to 100 when the population is evenly divided into two or more race/ethnic groups.
The Housing Affordability Index base is 100 and represents a balance point where a resident with a median household income can normally qualify to purchase a median price home. Values above 100 indicate increased affordability, while values below 100 indicate decreased affordability.
The % of Income for Mortgage quantifies the percentage of median household income dedicated to mortgage payments on a home priced at the median value (assuming a 30-year mortgage and a 20% down payment).
The Wealth Index is based on a number of indicators of affluence including average household income and average net worth, but it also includes the value of material possessions and resources. It represents the wealth of the area relative to the national level. Values above or below 100 represent above-average wealth or below-average wealth compared to the national level.
The Socioeconomic Index ranges from zero (lowest relative status) to 100 (highest relative status). This measure quantifies disparities in social position of an area's inhabitants and is built from a broad range of demographic, housing, and socioeconomic inputs. More information on this measure can be found in Esri's SEI tutorial.

Oneonta, NY 13820 - Peer Comparisons by Rank and Percentile

The table below compares 13820 to the other 1,710 ZIP Codes in New York by rank and percentile using July 1, 2025 data. The location Ranked # 1 has the highest value. A location that ranks higher than 75% of its peers would be in the 75th percentile of the peer group.

GROWTH RATE / YEAR	2020-2025	2025-2030
Population	1.51%	-0.28%
Households	0.30%	0.00%
Families		-0.27%
Median Household Income		0.99%
Per Capita Income		1.33%
Owner Occupied HU		0.09%

Variable Description	Rank	Percentile
Total Population	# 286	83rd
Population Density	# 788	54th
Median Household Income	# 1311	23rd
Housing Affordability Index	# 1180	69th
Per Capita Income	# 1586	7th
Diversity Index	# 717	58th

13820 ZIP Code Profile, Map, Data & Demographics

ZIP Code 13820: Basic Data & USPS Preferred City Name

Oneonta, NY 13820 Data & Demographics (As of July 1, 2025)

POPULATION

INCOME

HOUSING

HOUSEHOLDS

GROWTH RATE / YEAR

Oneonta, NY 13820 - Peer Comparisons by Rank and Percentile

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Otsego County