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ZIP Code 13820

Otsego, New York

FIPS 13820

Juniper

ZIP Code 13820 is in the top 10% nationally for appreciation 1yr %. It also sits in the top 34% nationally for HPI growth 5yr %. And it sits in the 61th percentile nationally for median rent.

Median Home Value

$182,000

Lower than 56% of U.S. ZIP codes

HPI Growth 5yr %

45%

Higher than 66% of U.S. ZIP codes

FEMA Risk Score

65.4

Near the U.S. ZIP codes median

The basics

Total Population

23,056

Median Age

31.8

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$182,000

Lower than 56%

Median Property Tax

$3,509

Effective Tax Rate

2%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

2.76

Near median

Median Rent

$1,024

Higher than 61%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

45%

Higher than 66%

Appreciation 1yr %

7.2%

Higher than 90%

Pandemic Gain %

34%

Recession Drop %

-8.7%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

76.6

Winter Avg Low (°F)

14.3

Avg Temperature (°F)

44.5

Hot Days/yr (>90°F)

2.2

Freezing Days/yr (<32°F)

166.7

Annual Precipitation (in)

44.8

Annual Snowfall (in)

83

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

65.4

Near median

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 13820: frequently asked questions

What is the median home value in ZIP Code 13820?
The median home value in ZIP Code 13820 is $182,000, lower than 56% of U.S. ZIP codes.
How much is property tax in ZIP Code 13820?
The median annual property tax in ZIP Code 13820 is $3,509, an effective rate of 2% of home value.
Is ZIP Code 13820 expensive to live in?
Homes in ZIP Code 13820 cost about 2.76× the median household income, near the U.S. ZIP codes median.
What is the average rent in ZIP Code 13820?
The median gross rent in ZIP Code 13820 is $1,024 a month, higher than 61% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 13820?
Home prices in ZIP Code 13820 have moved 45% over the past five years (7.2% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 13820?
ZIP Code 13820 averages 44.5°F year-round, summer highs near 76.6°F, winter lows around 14.3°F (NOAA 1991–2020 normals). It sees about 83 inches of snow a year.
Is ZIP Code 13820 at risk of flooding or natural disasters?
ZIP Code 13820's FEMA National Risk Index score is 65.4 (near the U.S. ZIP codes median). 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 →