The 13028 ZIP Code is primarily associated with Bernhards Bay, NY (Oswego County) in the U.S. The current population estimate is 1,229. In this New York region, approximately 93.6% have a high school degree or higher, and the per capita income is an estimated $26,325. Median househould income in this region is $63,049, while about 3% of the population lives below the poverty line. The median age in ZIP Code 13028 is approximately 41.8 years, and 21.6% of the region's residents are aged 62 years and older.
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In ZIP Code 13028, 93.6% of the population graduated high school, while 9.1% have a bachelor's degree or higher. In this region, 0.4% achieved an education level less than 9th grade, while 7.0% hold a graduate or professional degree. Approximately 40.9% in this Oswego County region reached the highest level of high school graduate (including equivalency).
| Education Level | Percent |
|---|---|
| Less than 9th grade | 0.4% |
| 9th to 12th grade, no diploma | 6.0% |
| High school graduate (includes equivalency) | 40.9% |
| Some college, no degree | 25.1% |
| Associate's degree | 18.6% |
| Bachelor's degree | 2.1% |
| Graduate or professional degree | 7.0% |
Residents of ZIP Code 13028 are older than average. The median age of 41.8 years in ZIP Code 13028 is approximately 9.71% higher than the overall median age in the U.S. of 38.1 years. About 78.0% of residents are aged 18 years and older, and 21.6% of residents are 62 years and over. Approximately 13.0% of the population in 13028 falls in the age group 65 to 74 years, while an estimated 12.9% are aged 45 to 54 years. On the low end of the scale, 1.3% of 13028 residents are aged 85 years and over.
| Age Range | Percent |
|---|---|
| Under 5 years | 3.3% |
| 5 to 9 years | 11.2% |
| 10 to 14 years | 3.7% |
| 15 to 19 years | 7.6% |
| 20 to 24 years | 7.7% |
| 25 to 34 years | 11.2% |
| 35 to 44 years | 9.7% |
| 45 to 54 years | 12.9% |
| 55 to 59 years | 8.7% |
| 60 to 64 years | 5.0% |
| 65 to 74 years | 13.0% |
| 75 to 84 years | 4.7% |
| 85 years and over | 1.3% |
The median household income in ZIP Code 13028 is $63,049, while the region's mean household income is $66,833. Breaking income down further, per capita income in the region is $26,325. The per capita income in ZIP Code 13028 of $26,325 is approximately 33.06% less than the per capita income in the U.S. overall of $39,326. An estimated 3.1% of the population is living below the poverty line in this region. This rate is approximately 67.37% lower than the overall poverty rate in the U.S. of 9.5%. Regarding household income, approximately 21.6% of the population in 13028 earn $75,000 to $99,999 per year, while an estimated 18.1% earn $50,000 to $74,999 per year, and 0.0% of 13028 residents earn $200,000 or more per year.
| Household Income | Percent |
|---|---|
| Less than $10,000 per year | 0.0% |
| $10,000 to $14,999 per year | 0.8% |
| $15,000 to $24,999 per year | 15.4% |
| $25,000 to $34,999 per year | 12.3% |
| $35,000 to $49,999 per year | 16.0% |
| $50,000 to $74,999 per year | 18.1% |
| $75,000 to $99,999 per year | 21.6% |
| $100,000 to $149,999 per year | 8.0% |
| $150,000 to $199,999 per year | 7.6% |
| $200,000 or more per year | 0.0% |
Looking at race in the population that makes up ZIP Code 13028, 97.3% is one race, while 2.7% are two or more races. Approximately 0.0% of 13028 residents are hispanic or Latino (of any race). The most common race in 13028 (race alone or in combination with one or more other races), is White (100.0%), followed by American Indian and Alaska Native (2.7%) .
| Industry | Percent |
|---|---|
| White | 100.0% |
| Black or African American | 0.0% |
| American Indian and Alaska Native | 2.7% |
| Asian | 0.0% |
| Native Hawaiian and Other Pacific Islander | 0.0% |
| Some other race | 0.0% |
In ZIP Code 13028, 100.0% of the population lists "English only" as the language spoken in home, while 0.0% of lists Spanish. Additionally, Asian and Pacific Islander languages are spoken in 0.0% of homes, and other Indo-European languages are spoken in 0.0% of homes. Lastly, 0.0% of homes list "other languages" as spoken in the home. All percentages referenced are for the population 5 years and older in this Oswego County region.
| Language Spoken | Percent |
|---|---|
| English only | 100.0% |
| Spanish | 0.0% |
| Other Indo-European languages | 0.0% |
| Asian and Pacific Islander languages | 0.0% |
| Other languages | 0.0% |
Regarding the age of homes in ZIP Code 13028, an estimated 32.2% of homes were built in 1939 or earlier. Additionally, 20.1% of homes in the region were built between 1990 and 1999, while an estimated 0.0% of homes were built between 2010 and 2013 in this Oswego County region.
| Year Home Built | Percent |
|---|---|
| Built in 2014 or later | 0.0% |
| Built between 2010 and 2013 | 0.0% |
| Built between 2000 and 2009 | 5.4% |
| Built between 1990 and 1999 | 20.1% |
| Built between 1980 and 1989 | 16.5% |
| Built between 1970 and 1979 | 3.8% |
| Built between 1960 and 1969 | 5.3% |
| Built between 1950 and 1959 | 7.2% |
| Built between 1940 and 1949 | 9.4% |
| Built in 1939 or earlier | 32.2% |
| Health Issue | Percent of adults* |
|---|
One of the top preventative health measures in ZIP Code 13028 is current access to health insurance, as an estimated 94% of adults 18 and older take part in this preventive measure. Additionally, % of those 18 and above in 13028 list , as a preventive measure.
| Preventive Measure | Percent of adults* |
|---|---|
| Current access to health insurance | 94% |
| Risk Behavior | Percent of adults* |
|---|
Regarding solar power potential, ZIP Code 13028 has an average daily solar radiation level of 4.35 kWh/m2/day. This is approximately 5.58% greater than an area in the U.S. with historically low solar radiation levels (WA), and about 33.99% less than an area in the U.S. with historically high solar radiation levels (AZ).
| Region | Residential | Commercial | Industrial |
|---|---|---|---|
| ZIP Code 13028 | 11.74¢/kWh | 5.99¢/kWh | 4.79¢/kWh |
| New York | 24.51¢/kWh | 19.48¢/kWh | 8.77¢/kWh |
| United States | 16.41¢/kWh | 13.1¢/kWh | 8.44¢/kWh |
| Month | ZIP Code 13028 | Low (WA) | High (AZ) |
|---|---|---|---|
| Jan | 2.75 | 1.9 | 5.84 |
| Feb | 3.79 | 3 | 6.31 |
| Mar | 4.69 | 3.65 | 7.02 |
| Apr | 5.15 | 5.13 | 7.3 |
| May | 5.59 | 5.17 | 7.13 |
| Jun | 5.49 | 5.72 | 6.95 |
| Jul | 5.77 | 6.22 | 6.51 |
| Aug | 5.61 | 6.08 | 6.65 |
| Sep | 5.08 | 5.15 | 7.02 |
| Oct | 3.52 | 3.32 | 6.92 |
| Nov | 2.7 | 2.33 | 5.99 |
| Dec | 2.08 | 1.78 | 5.46 |
In 13028, 63.2% of the population is in the labor force. Recent estimates place 6.8% as working from home, while the total labor force in the region has a mean travel to time to work of 34.7 minutes. Approximately 26.9% of the employed population 16 years and over in 13028 work in educational services, and health care and social assistance, while an estimated 12.1% work in manufacturing. On the lower end of the scale, just 0.0% of 13028 workers 16 years and over work in other services, except public administration.
| Industry | Percent |
|---|---|
| Agriculture, forestry, fishing and hunting, and mining | 9.1% |
| Construction | 9.8% |
| Manufacturing | 12.1% |
| Wholesale trade | 2.1% |
| Retail trade | 4.0% |
| Transportation and warehousing, and utilities | 2.4% |
| Information | 0.0% |
| Finance and insurance, and real estate and rental and leasing | 6.7% |
| Professional, scientific, management, and administrative | 7.9% |
| Educational services, and health care and social assistance | 26.9% |
| Arts, entertainment, and recreation, and accommodation and food services | 10.2% |
| Other services, except public administration | 0.0% |
| Public administration | 8.8% |
Regarding consumer complaints about financial products in ZIP Code 13028, student loan have received the most complaints in 13028 in the past 12 months. received the second most complaints. The most frequent complaint overall in this Oswego County region was dealing with a lender or servicer.
| Complaint Product | Number of Complaints* |
|---|---|
| Student loan | 1 |
| Complaint Issue | Number of Complaints* |
|---|---|
| Dealing with your lender or servicer | 1 |