ZIP Code 13028 — Bernhards Bay, New York
📍 ZIP code 13028 is in Bernhards Bay, Oswego County, New York.
ZIP code 13028 is located in Bernhards Bay, Oswego County, New York. It is a standard zip code in the Eastern Time Zone with an estimated population of 913. The area code for zip code 13028 is 315.
ZIP Code 13028 Demographics
Population
Income & Economy
Housing
Education
Population and demographic data sourced from the U.S. Census Bureau American Community Survey (ACS) 5-Year Estimates. ZIP code routing data sourced from the United States Postal Service (USPS).
Affordability & Profile: ZIP 13028 in Context
The median home in 13028 is valued at $149,200 against a median household income of $88,906, a price-to-income ratio of 1.7. That is below the 2.9 median across the 1,572 New York ZIP codes with published housing data, and near the 3.0 ratio that marks an attainable market nationally. Within Oswego County, 13028 ranks 3 of 21 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.0.
13028 ranks 609 of 1,572 statewide on median household income and 1,217 of 1,572 on median home value; its income is above the $71,172 Oswego County median. 96% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 22% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 10.8%, above the 9.9% statewide ZIP median.
With 54 residents per square mile across 16.9 square miles of land, 13028 is far less dense than the statewide ZIP median of 197 (rank 1,146 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.
Ratios and ranks are computed from the ACS figures above across the 1,572 New York ZIP codes with published housing data. See the 2026 New York affordability report for the statewide analysis and the methodology for definitions.
Nearby Zip Codes
Cities & Places Served
ZIP code 13028 primarily serves Bernhards Bay in Oswego County, New York.