Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.
ZIP code 13482 covers NY in Otsego County with a population of about 73.
At a glance, the area shows median age of 54.8 versus a U.S. median of about 38.9.
It sits in telephone area code 607; U.S. House district NY-19; the UTICA media market.
Median household income in ZIP 13482 is about $56,477 — about 25% below the U.S. median ($75,149).
On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 0.0%; 12.3% of adults with a bachelor’s degree or higher (about 21.4 points below the national share (33.7%)).
Labor and commute patterns include leading industry context around Agriculture, Finance and insurance, and Professional services; about 4.1% of workers reporting work-from-home (about 11.1 points below the U.S. share (15.2%)); a mean commute of about 47.0 minutes (U.S. average near 26.8).
Median home value is about $171,600 — about 51% below the U.S. median home value ($348,079).
Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).
To comfortably buy a median-priced home in ZIP 13482 in NY, a household would need roughly $47,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,102. That sits below the local median household income ($56,477), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.
FEMA’s National Risk Index rates natural-hazard risk for NY as Relatively Low (composite score 75.8), which is elevated versus much of the country. The strongest component scores on US5 are flood (85.8) and hurricane (64.6). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.
Climate normals for NY show limited published climate normals on US5.
IRS migration statistics show a net inflow of about 3 for ZIP 13482 (NY) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.