Cherry Valley, NY

ZIP code 13320 is assigned to Cherry Valley, NY, and falls within Otsego County. Like every US postal code, it began as a mail-routing device rather than a geographic boundary — the US Postal Service groups delivery routes under a single code so carriers and sorting equipment can process mail efficiently. Today it also serves as a practical shorthand for the area itself: roughly 2,027 people live inside it.

At 26 residents per square mile spread over 79.01 square miles, 13320 reads as a rural area. It is a sparsely populated postal code, and density shapes almost everything else on this page — how people get to work, whether they own or rent, and what housing costs.

Household earnings track close to the national picture. The median of $80,956 puts 13320 near the middle of the pack, ahead of 66% of them. The US median for comparison is $70,109. Bear in mind that median income describes the midpoint household, not the average — it is not pulled upward by a handful of very high earners the way a mean would be.

Housing in 13320 costs close to the national median. A typical home is valued at $191,600 against a US median of $207,500, and median gross rent runs $805 a month. Ownership dominates: 90.4% of occupied homes are owner-occupied, which usually signals an established residential area with relatively low turnover.

The building stock is dominated by detached single-family houses, which account for 85.9% of housing units here. The median construction year is 1949, making the housing here mid-century. The vacancy rate of 31.0% is high, which in many places reflects seasonal or second-home use rather than abandonment.

The population skews broadly in line with the national age profile, with a median age of 41.8 against 42 nationally. The average household holds 2.83 people, and 71.5% are family households.

Getting to work takes 28.9 minutes on average one way. The dominant mode is drove alone at 63.1% of workers, while 19.1% work from home. Commute patterns are one of the better proxies for how a place actually functions day to day.

Beyond addressing mail, 13320 does a lot of quiet administrative work. Retailers use it to calculate shipping and sales tax at checkout. Insurers use it to set premiums, since risk profiles vary geographically. Employers and marketers use it to define service areas. Government agencies use it to route benefits and organise reporting. If you have ever been asked for a postal code by a form that clearly does not intend to send you anything, this is why.

For anyone weighing a move, 13320 offers a compact profile of Cherry Valley: 2,027 residents, a median household income of $80,956, 36.3% of adults holding a bachelor's degree or higher, and an unemployment rate of 3.6%. A handful of figures like these answer more relocation questions than most neighbourhood guides do.

One caution worth repeating: a postal code is not a neighbourhood. 13320 may cover parts of several distinct areas, and a single neighbourhood in Cherry Valley may be split across more than one code. Boundaries also shift as USPS adjusts delivery routes. Treat the figures here as describing a delivery area, which is what they actually measure.