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ZIP Code 13320

Otsego, New York

FIPS 13320

Juniper

ZIP Code 13320 is in the top 28% nationally for price-to-income ratio. It also sits in the top 31% nationally for FEMA risk score. And it sits in the 68th percentile nationally for median rent.

Median Home Value

$184,600

Near the U.S. ZIP codes median

FEMA Risk Score

48.2

Lower than 69% of U.S. ZIP codes

The basics

Total Population

1,971

Median Age

44.8

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$184,600

Near median

Median Property Tax

$3,191

Effective Tax Rate

2%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

2.14

Lower than 72%

Median Rent

$1,125

Higher than 68%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

76

Winter Avg Low (°F)

15.8

Avg Temperature (°F)

45.3

Hot Days/yr (>90°F)

0.7

Freezing Days/yr (<32°F)

153.9

Annual Precipitation (in)

47.6

Annual Snowfall (in)

85.5

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

48.2

Lower than 69%

The full report

Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.

  • People

  • Work & Money

  • Housing

  • Amenities

  • Environment & Risk

ZIP Code 13320: frequently asked questions

What is the median home value in ZIP Code 13320?
The median home value in ZIP Code 13320 is $184,600, near the U.S. ZIP codes median.
How much is property tax in ZIP Code 13320?
The median annual property tax in ZIP Code 13320 is $3,191, an effective rate of 2% of home value.
Is ZIP Code 13320 expensive to live in?
Homes in ZIP Code 13320 cost about 2.14× the median household income, lower than 72% of U.S. ZIP codes.
What is the average rent in ZIP Code 13320?
The median gross rent in ZIP Code 13320 is $1,125 a month, higher than 68% of U.S. ZIP codes.
What is the weather like in ZIP Code 13320?
ZIP Code 13320 averages 45.3°F year-round, summer highs near 76°F, winter lows around 15.8°F (NOAA 1991–2020 normals). It sees about 85.5 inches of snow a year.
Is ZIP Code 13320 at risk of flooding or natural disasters?
ZIP Code 13320's FEMA National Risk Index score is 48.2 (lower than 69% of U.S. ZIP codes). Its greatest modeled natural hazard is tornado.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →