Zip code 13320: Cherry Valley, New York

Q: What city is zip code 13320?

13320 is assigned to Cherry Valley, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 13320 in?

13320 is in Otsego County, New York.

Q: What is the population of 13320?

About 1,971 people live in 13320, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 13320?

The median household income in 13320 is $86,204.

Q: What zip codes are near 13320?

The closest zip codes to 13320 are 13333, 13450, 13488, 13459, 13475.

Residential delivery areaOtsego CountyEastern Time

Population

1,971

Median household income

$86K

U.S. $81K

Median home value

$185K

U.S. $333K

Median rent

$1,125/mo

U.S. $1,413

Median age

44.8

U.S. 38.9

Land area

79 sq mi

25 people/sq mi

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

About 13320

13320 is a rural zip code in Cherry Valley, New York (Otsego County), covering 79 sq mi of land. About 1,971 people live here, or 25 per square mile. The median resident is 44.8 years old, compared with 38.9 nationally.

The median household earns $86,204 a year, close to the national median of $80,734. 9.6% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $184,600, or 2.1 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 94% of occupied homes are lived in by their owners, and renters pay a median of $1,125 a month.

36% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 26.4 minutes each way, and 18% of workers work from home. The most common jobs among working residents are in management; healthcare; and office and administrative support. 25% of them are self-employed (U.S.: 10%).

How 13320 compares

Sorted from highest to lowest national percentile

Homeownership rate94.3%
99th
StrengthU.S. 65.2% · NY 54.3%156th of 1,673 in NY
Self-employed workers24.9%
99th
U.S. 10% · NY 9.7%102nd of 1,685 in NY
Housing vacancy28.8%
97th
U.S. 10.1% · NY 10%327th of 1,675 in NY
Healthcare workers13.2%
89th
U.S. 9.7% · NY 11.8%392nd of 1,685 in NY
Residents 65 and older23.4%
88th
U.S. 17.2% · NY 17.9%514th of 1,693 in NY
Median age44.8
85th
U.S. 38.9 · NY 39.8704th of 1,693 in NY
Work from home17.9%
71st
U.S. 15.1% · NY 14.9%384th of 1,685 in NY
Uninsured rate9.6%
69th
U.S. 8.4% · NY 5.1%150th of 1,689 in NY
Median household income$86,204
58th
U.S. $80,734 · NY $85,974710th of 1,602 in NY
Bachelor's degree or higher35.5%
57th
U.S. 35.7% · NY 40.2%725th of 1,691 in NY
Per capita income$42,326
56th
U.S. $44,673 · NY $50,712841st of 1,690 in NY
Average commute26.4 min
53rd
U.S. 26.4 min · NY 32.6 min877th of 1,618 in NY
Government workers13.5%
48th
U.S. 14.5% · NY 16.4%1,282nd of 1,685 in NY
Poverty rate9.6%
42nd
U.S. 12.5% · NY 14%843rd of 1,679 in NY
Median earnings per worker$45,000
40th
U.S. $49,666 · NY $55,3211,186th of 1,676 in NY
Unemployment rate4%
34th
U.S. 5.2% · NY 6.4%956th of 1,685 in NY
Veterans4.5%
32nd
U.S. 6.2% · NY 3.7%1,018th of 1,693 in NY
Median gross rent$1,125
30th
U.S. $1,413 · NY $1,621734th of 1,367 in NY
Income inequality (Gini)0.407
26th
U.S. 0.483 · NY 0.5171,003rd of 1,669 in NY
Tech workers1.4%
20th
U.S. 3.8% · NY 3.5%1,011th of 1,685 in NY
Residents under 1818%
19th
U.S. 22% · NY 20.5%1,075th of 1,693 in NY
Median home value$184,600
18th
U.S. $332,700 · NY $423,8001,091st of 1,614 in NY
Rent-burdened renters40%
16th
StrengthU.S. 51.1% · NY 52.1%1,105th of 1,579 in NY
Foreign-born residents2.1%
13th
U.S. 14.1% · NY 22.8%1,193rd of 1,693 in NY
Broadband access82.3%
7th
WeaknessU.S. 91% · NY 90.8%1,480th of 1,673 in NY
Diversity index10
4th
U.S. 61.4 · NY 65.51,395th of 1,693 in NY
Population1,971
3rd
U.S. 334,922,499 · NY 19,852,3661,059th of 1,693 in NY
Population density25/sq mi
3rd
U.S. 95/sq mi · NY 421/sq mi1,544th of 1,693 in NY

Measure	13320	Otsego	NY	U.S.	National percentile	Rank in NY
Homeownership rateStrength	94.3%	73.9%	54.3%	65.2%	99th	156th of 1,673
Self-employed workers	24.9%	11.1%	9.7%	10%	99th	102nd of 1,685
Housing vacancy	28.8%	22.8%	10%	10.1%	97th	327th of 1,675
Healthcare workers	13.2%	11.5%	11.8%	9.7%	89th	392nd of 1,685
Residents 65 and older	23.4%	21.5%	17.9%	17.2%	88th	514th of 1,693
Median age	44.8	39.9	39.8	38.9	85th	704th of 1,693
Work from home	17.9%	11.7%	14.9%	15.1%	71st	384th of 1,685
Uninsured rate	9.6%	5.2%	5.1%	8.4%	69th	150th of 1,689
Median household income	$86,204	$68,885	$85,974	$80,734	58th	710th of 1,602
Bachelor's degree or higher	35.5%	34.4%	40.2%	35.7%	57th	725th of 1,691
Per capita income	$42,326	$36,840	$50,712	$44,673	56th	841st of 1,690
Average commute	26.4 min	22.9 min	32.6 min	26.4 min	53rd	877th of 1,618
Government workers	13.5%	20.9%	16.4%	14.5%	48th	1,282nd of 1,685
Poverty rate	9.6%	12.5%	14%	12.5%	42nd	843rd of 1,679
Median earnings per worker	$45,000	$42,860	$55,321	$49,666	40th	1,186th of 1,676
Unemployment rate	4%	6.4%	6.4%	5.2%	34th	956th of 1,685
Veterans	4.5%	6.1%	3.7%	6.2%	32nd	1,018th of 1,693
Median gross rent	$1,125	$987	$1,621	$1,413	30th	734th of 1,367
Income inequality (Gini)	0.407	0.445	0.517	0.483	26th	1,003rd of 1,669
Tech workers	1.4%	1.7%	3.5%	3.8%	20th	1,011th of 1,685
Residents under 18	18%	14.9%	20.5%	22%	19th	1,075th of 1,693
Median home value	$184,600	$179,100	$423,800	$332,700	18th	1,091st of 1,614
Rent-burdened rentersStrength	40%	44%	52.1%	51.1%	16th	1,105th of 1,579
Foreign-born residents	2.1%	4.1%	22.8%	14.1%	13th	1,193rd of 1,693
Broadband accessWeakness	82.3%	87.2%	90.8%	91%	7th	1,480th of 1,673
Diversity index	10	22	65.5	61.4	4th	1,395th of 1,693
Population	1,971	60,108	19,852,366	334,922,499	3rd	1,059th of 1,693
Population density	25/sq mi	60/sq mi	421/sq mi	95/sq mi	3rd	1,544th of 1,693

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

14%

5–17

12%

18–24

25–34

11%

35–44

11%

45–54

16%

55–64

15%

65–74

75+

Median age

44.8

Under 18

18%

65 and over

23.4%

Race and ethnicity

White95%
Black0.1%
Hispanic2%
Asian0.3%
Native American0.1%
Pacific Islander0%
Other0.2%
Multiracial3%

Diversity index

U.S. 61.4

Foreign-born

2.1%

U.S. 14.1%

Born in state

79.4%

Language spoken at home (households)

English only

94%

Spanish

0.7%

Other Indo-European

Asian / Pacific

0.1%

Other

0.4%

Households

Households: 750
Average household size: 2.6
Family households: 76%
Married couples: 63.9%
Living alone: 20.4%
Veterans (of adults): 4.5%
Male / female: 46% / 54%

Income and poverty

Household income distribution

<$25k

10%

$25–50k

14%

$50–75k

18%

$75–100k

17%

$100–150k

17%

$150–200k

$200k+

15%

Median household income

13320

$86,204

Otsego Co.

$68,885

New York

$85,974

United States

$80,734

Per capita income

$42,326

U.S. $44,673

Poverty rate

9.6%

U.S. 12.5%

Households earning $150K+

23.5%

U.S. 23%

Income inequality (Gini)

0.407

U.S. 0.483

Housing

Median home value

13320

$184,600

Otsego Co.

$179,100

New York

$423,800

United States

$332,700

Median gross rent

13320

$1,125

Otsego Co.

$987

New York

$1,621

United States

$1,413

Types of housing

Single-family

90%

2–4 units

5–19 units

20+ units

Mobile home

Boat, RV, van

Housing units: 1,053
Owner-occupied: 94.3%
Vacant: 28.8%
Median year built: 1949
Median rooms: 6.6
Renters paying 30%+ of income: 40%
Renters paying 50%+ of income: 17.1%
Home value to income: 2.1× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

63%

Carpooled

10%

Transit

0.6%

Walked

Bicycle

Worked from home

18%

Other

Commute time (one way)

<10 min

11%

10–19

23%

20–29

32%

30–44

20%

45–59

60+

11%

Average commute

26.4 min

U.S. 26.4 min

Unemployment

U.S. 5.2%

In labor force

56.8%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

14%

Healthcare

13%

Office and admin

11%

Education

11%

Transportation and moving

Construction and repair

Sales

Legal and social services

Food service

Cleaning and personal care

Business and finance

Engineering and science

Computer and math

Arts, media and sports

Police and fire

Farming, fishing and forestry

0.9%

Production

Industries

Health care and social assistance

24%

Education

14%

Retail

13%

Construction

12%

Agriculture and mining

Professional and technical services

Public administration

Manufacturing

Transportation, warehousing and utilities

Arts and recreation

Restaurants and hotels

Finance, insurance and real estate

Admin, support and management

Other services

Information

Wholesale

0.2%

Median earnings per worker

$45,000

U.S. $49,666

Self-employed

24.9%

U.S. 10%

Government workers

13.5%

U.S. 14.5%

Nonprofit workers

22.8%

U.S. 8.8%

Median earnings by type of work

Type of work	13320	U.S.
Management, business, science and arts	$56,333	$74,888
Service	$30,000	$26,804
Sales and office	$44,500	$40,476
Construction and maintenance	$61,964	$49,199
Production and transportation	$24,375	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

10%

High school

30%

Some college

14%

Associate's

11%

Bachelor's

20%

Graduate

16%

High school graduate or higher: 90.3%
Bachelor's degree or higher: 35.5%
Graduate or professional degree: 15.9%
Households with broadband: 82.3%
Cable, fiber or DSL: 43.1%
No internet access: 16.8%
Without health insurance: 9.6%
Limited-English households: 0%

Geography

City (USPS): Cherry Valley
State: New York
County: Otsego County
Center point: 42.7778° N, 74.7408° W
Land area: 79 sq mi
Water area: 0.2 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Zip codes near 13320

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
13333	East Springfield, NY	5.5 mi	46	$42,813	$160,400
13450	Roseboom, NY	6.3 mi	143	$119,167	$172,500
13488	Westford, NY	7.3 mi	103	$52,159	$93,000
13459	Sharon Springs, NY	7.7 mi	1,888	$65,893	$172,600
13475	Van Hornesville, NY	8.4 mi	44	$53,750	—
13468	Springfield Center, NY	8.4 mi	256	$62,727	—
13326	Cooperstown, NY	8.7 mi	4,586	$80,040	$340,100
13317	Canajoharie, NY	9.3 mi	3,888	$72,500	$139,400
13361	Jordanville, NY	10 mi	725	$92,000	$178,500
12197	Worcester, NY	12 mi	2,298	$77,778	$165,200
13339	Fort Plain, NY	12 mi	6,010	$56,047	$94,400
12043	Cobleskill, NY	12 mi	8,287	$64,583	$186,000

Zip codes like 13320 elsewhere

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

Questions about 13320

What city is zip code 13320?

13320 is assigned to Cherry Valley, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 13320 in?

13320 is in Otsego County, New York.

What is the population of 13320?

About 1,971 people live in 13320, according to the Census Bureau's American Community Survey.

What time zone is 13320 in?

13320 is in Eastern Time.

What is the median household income in 13320?

The median household income in 13320 is $86,204.

What zip codes are near 13320?

The closest zip codes to 13320 are 13333, 13450, 13488, 13459, 13475.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 13320, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.