Zip code 13028: Bernhards Bay, New York

Q: What city is zip code 13028?

13028 is assigned to Bernhards Bay, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 13028 in?

13028 is in Oswego County, New York.

Q: What is the population of 13028?

About 1,162 people live in 13028, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 13028?

The median household income in 13028 is $61,645.

Q: What zip codes are near 13028?

The closest zip codes to 13028 are 13044, 13042, 13167, 13103, 13493.

Residential delivery areaOswego CountyEastern Time

Population

1,162

Median household income

$62K

U.S. $81K

Median home value

$148K

U.S. $333K

Median rent

—

U.S. $1,413

Median age

35.5

U.S. 38.9

Land area

17 sq mi

69 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 13028

13028 is a small-town zip code in Bernhards Bay, New York (Oswego County), covering 17 sq mi of land. About 1,162 people live here, or 69 per square mile. The median resident is 35.5 years old, compared with 38.9 nationally.

The median household earns $61,645 a year, 24% below the national median of $80,734. 34.8% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $147,500, or 2.4 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 88% of occupied homes are lived in by their owners.

22% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 34.4 minutes each way, and 16% of workers work from home. The most common jobs among working residents are in production and manufacturing; education; and management.

How 13028 compares

Sorted from highest to lowest national percentile

Housing vacancy44.8%
99th
U.S. 10.1% · NY 10%164th of 1,675 in NY
Poverty rate34.8%
98th
WeaknessU.S. 12.5% · NY 14%36th of 1,679 in NY
Veterans12.4%
95th
U.S. 6.2% · NY 3.7%113th of 1,693 in NY
Residents under 1829.9%
95th
U.S. 22% · NY 20.5%78th of 1,693 in NY
Homeownership rate87.6%
93rd
StrengthU.S. 65.2% · NY 54.3%432nd of 1,673 in NY
Average commute34.4 min
90th
WeaknessU.S. 26.4 min · NY 32.6 min392nd of 1,618 in NY
Government workers21.5%
88th
U.S. 14.5% · NY 16.4%546th of 1,685 in NY
Income inequality (Gini)0.466
73rd
U.S. 0.483 · NY 0.517458th of 1,669 in NY
Broadband access94.3%
69th
U.S. 91% · NY 90.8%479th of 1,673 in NY
Work from home16.2%
66th
U.S. 15.1% · NY 14.9%465th of 1,685 in NY
Self-employed workers9.4%
51st
U.S. 10% · NY 9.7%895th of 1,685 in NY
Residents 65 and older15.5%
42nd
U.S. 17.2% · NY 17.9%1,313th of 1,693 in NY
Uninsured rate5.1%
34th
U.S. 8.4% · NY 5.1%509th of 1,689 in NY
Bachelor's degree or higher22.4%
27th
U.S. 35.7% · NY 40.2%1,234th of 1,691 in NY
Median age35.5
24th
U.S. 38.9 · NY 39.81,487th of 1,693 in NY
Median household income$61,645
23rd
U.S. $80,734 · NY $85,9741,324th of 1,602 in NY
Median earnings per worker$37,813
16th
WeaknessU.S. $49,666 · NY $55,3211,487th of 1,676 in NY
Per capita income$27,596
13th
WeaknessU.S. $44,673 · NY $50,7121,549th of 1,690 in NY
Foreign-born residents2%
12th
U.S. 14.1% · NY 22.8%1,209th of 1,693 in NY
Population density69/sq mi
10th
U.S. 95/sq mi · NY 421/sq mi1,168th of 1,693 in NY
Median home value$147,500
9th
U.S. $332,700 · NY $423,8001,335th of 1,614 in NY
Diversity index10.2
4th
U.S. 61.4 · NY 65.51,385th of 1,693 in NY
Unemployment rate1.4%
3rd
StrengthU.S. 5.2% · NY 6.4%1,404th of 1,685 in NY
Healthcare workers4.3%
2nd
U.S. 9.7% · NY 11.8%1,491st of 1,685 in NY
Population1,162
1st
U.S. 334,922,499 · NY 19,852,3661,256th of 1,693 in NY
Tech workers0%
1st
U.S. 3.8% · NY 3.5%1,548th of 1,685 in NY

Measure	13028	Oswego	NY	U.S.	National percentile	Rank in NY
Housing vacancy	44.8%	13.9%	10%	10.1%	99th	164th of 1,675
Poverty rateWeakness	34.8%	16.3%	14%	12.5%	98th	36th of 1,679
Veterans	12.4%	8%	3.7%	6.2%	95th	113th of 1,693
Residents under 18	29.9%	20.6%	20.5%	22%	95th	78th of 1,693
Homeownership rateStrength	87.6%	73.4%	54.3%	65.2%	93rd	432nd of 1,673
Average commuteWeakness	34.4 min	25.1 min	32.6 min	26.4 min	90th	392nd of 1,618
Government workers	21.5%	18.4%	16.4%	14.5%	88th	546th of 1,685
Income inequality (Gini)	0.466	0.444	0.517	0.483	73rd	458th of 1,669
Broadband access	94.3%	90.5%	90.8%	91%	69th	479th of 1,673
Work from home	16.2%	8.3%	14.9%	15.1%	66th	465th of 1,685
Self-employed workers	9.4%	10.3%	9.7%	10%	51st	895th of 1,685
Residents 65 and older	15.5%	18%	17.9%	17.2%	42nd	1,313th of 1,693
Uninsured rate	5.1%	4.2%	5.1%	8.4%	34th	509th of 1,689
Bachelor's degree or higher	22.4%	21.6%	40.2%	35.7%	27th	1,234th of 1,691
Median age	35.5	40.9	39.8	38.9	24th	1,487th of 1,693
Median household income	$61,645	$69,183	$85,974	$80,734	23rd	1,324th of 1,602
Median earnings per workerWeakness	$37,813	$43,821	$55,321	$49,666	16th	1,487th of 1,676
Per capita incomeWeakness	$27,596	$35,765	$50,712	$44,673	13th	1,549th of 1,690
Foreign-born residents	2%	2%	22.8%	14.1%	12th	1,209th of 1,693
Population density	69/sq mi	124/sq mi	421/sq mi	95/sq mi	10th	1,168th of 1,693
Median home value	$147,500	$151,700	$423,800	$332,700	9th	1,335th of 1,614
Diversity index	10.2	17.2	65.5	61.4	4th	1,385th of 1,693
Unemployment rateStrength	1.4%	7%	6.4%	5.2%	3rd	1,404th of 1,685
Healthcare workers	4.3%	9%	11.8%	9.7%	2nd	1,491st of 1,685
Population	1,162	117,953	19,852,366	334,922,499	1st	1,256th of 1,693
Tech workers	0%	1.6%	3.5%	3.8%	1st	1,548th of 1,685

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

26%

5–17

18–24

11%

25–34

35–44

13%

45–54

15%

55–64

15%

65–74

75+

Median age

35.5

Under 18

29.9%

65 and over

15.5%

Race and ethnicity

White95%
Black0%
Hispanic3%
Asian0%
Native American0%
Pacific Islander0%
Other0%
Multiracial2%

Diversity index

10.2

U.S. 61.4

Foreign-born

U.S. 14.1%

Born in state

79.4%

Language spoken at home (households)

English only

100%

Spanish

Other Indo-European

Asian / Pacific

Other

Households

Households: 387
Average household size: 3
Family households: 75.7%
Married couples: 47.8%
Living alone: 16.8%
Veterans (of adults): 12.4%
Male / female: 66% / 34%

Income and poverty

Household income distribution

<$25k

25%

$25–50k

21%

$50–75k

14%

$75–100k

$100–150k

32%

$150–200k

$200k+

Median household income

13028

$61,645

Oswego Co.

$69,183

New York

$85,974

United States

$80,734

Per capita income

$27,596

U.S. $44,673

Poverty rate

34.8%

U.S. 12.5%

Households earning $150K+

7.5%

U.S. 23%

Income inequality (Gini)

0.466

U.S. 0.483

Housing

Median home value

13028

$147,500

Oswego Co.

$151,700

New York

$423,800

United States

$332,700

Median gross rent

13028

—

Oswego Co.

$967

New York

$1,621

United States

$1,413

Types of housing

Single-family

76%

2–4 units

5–19 units

20+ units

Mobile home

24%

Boat, RV, van

Housing units: 701
Owner-occupied: 87.6%
Vacant: 44.8%
Median year built: 1972
Median rooms: 5.5
Renters paying 30%+ of income: —
Renters paying 50%+ of income: —
Home value to income: 2.4× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

80%

Carpooled

Transit

Walked

Bicycle

Worked from home

16%

Other

Commute time (one way)

<10 min

10–19

25%

20–29

12%

30–44

34%

45–59

11%

60+

18%

Average commute

34.4 min

U.S. 26.4 min

Unemployment

1.4%

U.S. 5.2%

In labor force

52.4%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Production

23%

Education

21%

Management

14%

Office and admin

14%

Construction and repair

13%

Healthcare

Sales

Cleaning and personal care

Police and fire

Transportation and moving

Business and finance

Computer and math

Engineering and science

Legal and social services

Arts, media and sports

Food service

Farming, fishing and forestry

Industries

Construction

24%

Education

22%

Retail

21%

Other services

13%

Health care and social assistance

Professional and technical services

Agriculture and mining

Transportation, warehousing and utilities

Admin, support and management

Manufacturing

Restaurants and hotels

Finance, insurance and real estate

Public administration

Wholesale

Information

Arts and recreation

Median earnings per worker

$37,813

U.S. $49,666

Self-employed

9.4%

U.S. 10%

Government workers

21.5%

U.S. 14.5%

Nonprofit workers

U.S. 8.8%

Median earnings by type of work

Type of work	13028	U.S.
Management, business, science and arts	$72,548	$74,888
Service	$26,458	$26,804
Sales and office	$35,842	$40,476
Construction and maintenance	$61,620	$49,199
Production and transportation	$18,777	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

40%

Some college

21%

Associate's

Bachelor's

14%

Graduate

High school graduate or higher: 91%
Bachelor's degree or higher: 22.4%
Graduate or professional degree: 8.3%
Households with broadband: 94.3%
Cable, fiber or DSL: 78%
No internet access: 0%
Without health insurance: 5.1%
Limited-English households: 0%

Geography

City (USPS): Bernhards Bay
State: New York
County: Oswego County
Center point: 43.3028° N, 75.9332° W
Land area: 17 sq mi
Water area: 0.1 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Zip codes near 13028

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
13044	Constantia, NY	3 mi	2,643	$64,313	$139,200
13042	Cleveland, NY	5 mi	1,960	$86,587	$143,800
13167	West Monroe, NY	6.6 mi	3,215	$85,294	$176,200
13103	Mallory, NY	8.8 mi	224	$80,000	—
13493	Williamstown, NY	9.2 mi	2,428	$63,125	$121,500
13483	Westdale, NY	9.3 mi	377	$115,341	—
13030	Bridgeport, NY	10 mi	3,635	$68,306	$206,400
13123	North Bay, NY	10 mi	90	—	—
13039	Cicero, NY	11 mi	16,951	$107,500	$247,400
13076	Hastings, NY	11 mi	2,778	$95,889	$176,400
13131	Parish, NY	12 mi	2,880	$70,286	$147,800
13029	Brewerton, NY	12 mi	7,725	$103,878	$249,900

Zip codes like 13028 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 13028

What city is zip code 13028?

13028 is assigned to Bernhards Bay, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 13028 in?

13028 is in Oswego County, New York.

What is the population of 13028?

About 1,162 people live in 13028, according to the Census Bureau's American Community Survey.

What time zone is 13028 in?

13028 is in Eastern Time.

What is the median household income in 13028?

The median household income in 13028 is $61,645.

What zip codes are near 13028?

The closest zip codes to 13028 are 13044, 13042, 13167, 13103, 13493.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 13028, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.