13820Oneonta, New York

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 13820.

55out of 100
Area Score
Bottom 30% of 5,298 profiles measured

How we calculate this

How this area ranks
Opportunity3669th of 6,210 ZIP areas measured50
SchoolsTop 34% of 4,422 ZIP areas measured64
Growth4014th of 5,428 ZIP areas measured36
Housing affordabilityTop 12% of 6,685 ZIP areas measured99
Climate6663rd of 6,789 ZIP areas measured53
Physical resilience4734th of 6,709 ZIP areas measured36
Access5970th of 6,791 ZIP areas measured70
Economic stability6244th of 6,742 ZIP areas measured29
The quick read

Unemployment is 4.3% and median household income $65,953, putting employment conditions in the middle range of published ZIP profiles.

Housing is more affordable relative to local incomes than in most published city profiles: rent takes 19% of median household income and the median home is 2.8 times it.

Physical-risk exposure is above the national median, driven mainly by inland flooding and heat wave.

At a glance

Population
23,056
2024 ACS 5-Year
Median household income
$65,953
Bottom 40% nationally
Density
215/sq mi
107.3 sq mi of land
Median age
31.8
2024 ACS 5-Year
City
Oneonta
New York
Metro area
Oneonta, NY
Nearest major airport
RME
55 mi · Griffiss Intl
Median home value
$182,000
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 4.3% is lower than 56% of the 6,544 measured US ZIP areas.

Employment fell 1.8% over the past year, to 25,978 employed residents.

41% of adults hold a four-year degree, higher than 80% of measured US ZIP areas.

MetricValueCompared nationallySource period
Median household income ±$5,751$65,953Bottom 40%of 31,2952024 ACS 5-Year
Per capita income ±$2,778$33,413Bottom 39%of 32,8222024 ACS 5-Year
Poverty rate15.1%Top 31%of 32,9702024 ACS 5-Year
Average commute18.7 minBottom 10%of 32,8872024 ACS 5-Year
Bachelor's degree or higher41.1%Top 20%of 33,1932024 ACS 5-Year
Employment25,978Bottom 27%of 6,544June 2026
Employment change (3 years)0.7%Top 40%of 6,542June 2026
Employment change (year over year)-1.8%Bottom 23%of 6,544June 2026
Labor force27,149Bottom 27%of 6,544June 2026
Labor force participation50.6%Bottom 21%of 33,2522024 ACS 5-Year
Unemployment change (year over year)0.6%Top 27%of 6,544June 2026
Unemployment rate4.3%Bottom 44%of 6,544June 2026
Median household income, successive ACS releases
202120222023202466k60k
Each point is a separate five-year estimate, most recently $65,953 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for Oneonta, NY, the city containing this ZIP code.

38% of students met the state standard in mathematics and 61% in reading, across the schools here that reported results.

There are 10.2 students for every full-time teacher, fewer than in most measured places.

Public schools
5
2024-25 school year
Students per teacher
10.2
across all schools here
Math proficiency
38.5%
Top 50% in New York
Reading proficiency
60.9%
Top 38% in New York
SchoolDistrictStudentsPer teacherMathReading
ONEONTA SENIOR HIGH SCHOOLONEONTA CITY SCHOOL DISTRICT4999.6
ONEONTA MIDDLE SCHOOLONEONTA CITY SCHOOL DISTRICT3889.027%72%
GREATER PLAINS ELEMENTARY SCHOOLONEONTA CITY SCHOOL DISTRICT28312.339%53%
VALLEYVIEW ELEMENTARY SCHOOLONEONTA CITY SCHOOL DISTRICT26312.043%61%
RIVERSIDE ELEMENTARY SCHOOLONEONTA CITY SCHOOL DISTRICT24610.352%53%

39.0% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with rather than how the schools perform, which is why AreaProfile shows it and does not score it.

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against New York’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Median rent of $1,024 takes 19% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 2.8 times median household income here, close to the historic benchmark for an affordable market.

Rent as a share of income
18.6%
Below the 30% cost-burdened threshold
Home price to income
2.8×
median home value ÷ median income
Median gross rent
$1,024
2024 ACS 5-Year
Median home value
$182,000
2024 ACS 5-Year
MetricValueCompared nationallySource period
Home price to income2.76Bottom 38%of 30,4042024 ACS 5-Year
Homeownership rate59.0%Bottom 15%of 32,9102024 ACS 5-Year
Housing units ±42010,193Top 16%of 33,7722024 ACS 5-Year
Median gross rent ±$59$1,024Top 49%of 26,6182024 ACS 5-Year
Median home value ±$11,824$182,000Bottom 39%of 30,9412024 ACS 5-Year
Rent as a share of income18.6%Top 43%of 26,4702024 ACS 5-Year
Vacancy rate15.6%Top 36%of 33,0282024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
36/ 100
Ranks 4014 of 5,428 published city profiles

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

At 0.0 permitted units per 1,000 residents, building activity is below the median for measured US ZIP areas.

Units permitted
0
12 months ending July 2026
Per 1,000 residents
0.0
Bottom 1% nationally
Year over year
vs the prior twelve months
Multifamily share
units in 5+ unit buildings

The Building Permits Survey is not published for ZIP areas. This is the figure for Oneonta, NY, the city containing this ZIP code.

Weather & climate

4 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 78°F and January a low of 11°F.

Normal annual precipitation is 44.8 inches, including 83.0 inches of snow.

0°20°40°60°80°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station EMMONS, 1.7 miles from this location.
Precipitation
JFMAMJJASOND4.7"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation44.8"1991-2020 Normals
Annual snowfall83.0"1991-2020 Normals
Average January low11°F1991-2020 Normals
Average July high78°F1991-2020 Normals
Comfortable months41991-2020 Normals
Seasonal temperature swing46°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

36 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are inland flooding and heat wave.

Inland floodingHigh
Heat waveModerate

Low or minimal exposure: landslide, cold wave, winter weather, hurricane, strong wind, lightning, tornado, earthquake, avalanche, ice storm, hail, wildfire.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. ZIP values are the land-area-weighted mean of the counties the ZIP Code Tabulation Area intersects. Expected annual loss is not allocated below county level. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offences. AreaProfile does not publish reported crime, and this is not a substitute for it — it says nothing about burglary, theft or assault.

Otsego County records 1.9 homicide deaths per 100,000 residents a year, lower than most counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 20.0 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 26.6 per 100,000 residents in Otsego County.

Homicide
1.9
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
20.0
per 100,000 residents · under 10 deaths
Drug overdose
26.6
per 100,000 residents · under 10 deaths
Suicide
24.9
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Otsego County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around 13820 rather than 13820 itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
The FBI’s Crime Data Explorer is the only source for reported offences with national coverage and a published method, and it requires an API key AreaProfile does not hold. Arrest counts, news volume and commercial “safety scores” are not substituted in the meantime. What is published above under Safety is a different measurement — deaths rather than offences, from death certificates rather than police returns — and it covers no property crime at all.
Taxes
No tax dataset has met the source admission test for coverage, transparent methodology and update cadence. Nothing here is individualized tax advice.
Full cost of living
No public source publishes one with national coverage and a documented method. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings.

Access

5 major airports lie within 100 miles, the nearest 55 miles away.

AirportCodeDistanceLongest runway
Griffiss IntlRME55 mi11,820 ft
Albany IntlALB65 mi8,500 ft
Syracuse Hancock IntlSYR69 mi9,013 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2019-20 school year; 2024-25 school yearDirectory annually; assessment results as EDFacts releases them

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

13820 vs Oneonta

How this ZIP area compares with Oneonta as a whole. Both figures come from the same ACS release, so the comparison is like for like.

13820
Oneonta
Median household income
$65,953
vs
$61,111
Per capita income
$33,413
vs
$28,009
Population density
215/sq mi
vs
3,450/sq mi
Median home value
$182,000
vs
$184,100
Median gross rent
$1,024
vs
$1,021
Homeownership rate
59.0%
vs
46.0%
Bachelor's degree or higher
41.1%
vs
47.4%
Poverty rate
15.1%
vs
16.6%
Median age
31.8
vs
23.1

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.