ZIP Code 13326 — Cooperstown, New York

The median home in 13326 is valued at $308,600 against a median household income of $70,977, a price-to-income ratio of 4.3. That is far above the 2.9 median across the 1,572 New York ZIP codes with published housing data, and past the 3.0 ratio that marks an attainable market nationally, though it is among the more attainable ratios in the state. Within Otsego County, 13326 ranks 25 of 25 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.4. Renting takes 18.9% of median household income (median rent $1,120 a month), under the 30% cost-burden threshold.

13326 ranks 1,013 of 1,572 statewide on median household income and 602 of 1,572 on median home value; its income is in line with the $69,792 Otsego County median. 72% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 49% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 8.4%, below the 9.9% statewide ZIP median. Unemployment stands at 6.0%.

With 49 residents per square mile across 92.1 square miles of land, 13326 is far less dense than the statewide ZIP median of 197 (rank 1,189 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.