The 13324 ZIP Code is primarily associated with Cold Brook, NY (Herkimer County) in the U.S. The current population estimate is 2,351. Median househould income is approximately $54,700, and an estimated 7% of the population is living below the poverty line. In this New York region, approximately 89.1% have a high school degree or higher, and the per capita income is an estimated $25,799. The median age in ZIP Code 13324 is approximately 42.2 years, with 22.7% of residents aged 62 years and older.
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In ZIP Code 13324, 89.1% of the population graduated high school, while 18.4% have a bachelor's degree or higher. In this region, 3.6% achieved an education level less than 9th grade, while 8.3% hold a graduate or professional degree. Approximately 41.2% in this Herkimer County region reached the highest level of high school graduate (including equivalency).
| Education Level | Percent |
|---|---|
| Less than 9th grade | 3.6% |
| 9th to 12th grade, no diploma | 7.3% |
| High school graduate (includes equivalency) | 41.2% |
| Some college, no degree | 17.7% |
| Associate's degree | 11.7% |
| Bachelor's degree | 10.1% |
| Graduate or professional degree | 8.3% |
Residents of ZIP Code 13324 are older than average. The median age of 42.2 years in ZIP Code 13324 is approximately 10.76% higher than the overall median age in the U.S. of 38.1 years. About 76.4% of residents are aged 18 years and older, and 22.7% of residents are 62 years and over. Approximately 13.4% of the population in 13324 falls in the age group 45 to 54 years, while an estimated 12.5% are aged 65 to 74 years. On the low end of the scale, 1.0% of 13324 residents are aged 85 years and over.
| Age Range | Percent |
|---|---|
| Under 5 years | 7.3% |
| 5 to 9 years | 6.3% |
| 10 to 14 years | 6.5% |
| 15 to 19 years | 6.5% |
| 20 to 24 years | 4.7% |
| 25 to 34 years | 11.8% |
| 35 to 44 years | 9.7% |
| 45 to 54 years | 13.4% |
| 55 to 59 years | 8.5% |
| 60 to 64 years | 8.7% |
| 65 to 74 years | 12.5% |
| 75 to 84 years | 3.2% |
| 85 years and over | 1.0% |
The median household income in ZIP Code 13324 is $54,700, while the region's mean household income is $65,840. Breaking income down further, per capita income in the region is $25,799. The per capita income in ZIP Code 13324 of $25,799 is approximately 34.4% less than the per capita income in the U.S. overall of $39,326. An estimated 7.3% of the population is living below the poverty line in this region. This rate is approximately 23.16% lower than the overall poverty rate in the U.S. of 9.5%. Regarding household income, approximately 21.4% of the population in 13324 earn $50,000 to $74,999 per year, while an estimated 16.4% earn $100,000 to $149,999 per year, and 1.9% of 13324 residents earn $200,000 or more per year.
| Household Income | Percent |
|---|---|
| Less than $10,000 per year | 4.9% |
| $10,000 to $14,999 per year | 3.0% |
| $15,000 to $24,999 per year | 11.0% |
| $25,000 to $34,999 per year | 14.8% |
| $35,000 to $49,999 per year | 12.6% |
| $50,000 to $74,999 per year | 21.4% |
| $75,000 to $99,999 per year | 11.8% |
| $100,000 to $149,999 per year | 16.4% |
| $150,000 to $199,999 per year | 2.2% |
| $200,000 or more per year | 1.9% |
Looking at race in the population that makes up ZIP Code 13324, 99.5% is one race, while 0.5% are two or more races. Approximately 0.5% of 13324 residents are hispanic or Latino (of any race). The most common race in 13324 (race alone or in combination with one or more other races), is White (99.1%), followed by Black or African American (0.9%) .
| Industry | Percent |
|---|---|
| White | 99.1% |
| Black or African American | 0.9% |
| American Indian and Alaska Native | 0.2% |
| Asian | 0.3% |
| Native Hawaiian and Other Pacific Islander | 0.0% |
| Some other race | 0.0% |
In ZIP Code 13324, 94.6% of the population lists "English only" as the language spoken in home, while 0.3% of lists Spanish. Additionally, Asian and Pacific Islander languages are spoken in 4.8% of homes, and other Indo-European languages are spoken in 0.3% 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 Herkimer County region.
| Language Spoken | Percent |
|---|---|
| English only | 94.6% |
| Spanish | 0.3% |
| Other Indo-European languages | 4.8% |
| Asian and Pacific Islander languages | 0.3% |
| Other languages | 0.0% |
Regarding the age of homes in ZIP Code 13324, an estimated 27.9% of homes were built in 1939 or earlier. Additionally, 15.2% of homes in the region were built between 2000 and 2009, while an estimated 1.6% of homes were built in 2014 or later in this Herkimer County region.
| Year Home Built | Percent |
|---|---|
| Built in 2014 or later | 1.6% |
| Built between 2010 and 2013 | 2.5% |
| Built between 2000 and 2009 | 15.2% |
| Built between 1990 and 1999 | 9.9% |
| Built between 1980 and 1989 | 12.9% |
| Built between 1970 and 1979 | 14.7% |
| Built between 1960 and 1969 | 4.2% |
| Built between 1950 and 1959 | 6.6% |
| Built between 1940 and 1949 | 4.5% |
| Built in 1939 or earlier | 27.9% |
| Health Issue | Percent of adults* |
|---|
One of the top preventative health measures in ZIP Code 13324 is current access to health insurance, as an estimated 94.4% of adults 18 and older take part in this preventive measure. Additionally, % of those 18 and above in 13324 list , as a preventive measure.
| Preventive Measure | Percent of adults* |
|---|---|
| Current access to health insurance | 94.4% |
| Risk Behavior | Percent of adults* |
|---|
Regarding solar power potential, ZIP Code 13324 has an average daily solar radiation level of 4.43 kWh/m2/day. This is approximately 7.52% greater than an area in the U.S. with historically low solar radiation levels (WA), and about 32.78% less than an area in the U.S. with historically high solar radiation levels (AZ).
| Region | Residential | Commercial | Industrial |
|---|---|---|---|
| ZIP Code 13324 | 11.74¢/kWh | 5.99¢/kWh | 4.79¢/kWh |
| New York | 24.98¢/kWh | 20.52¢/kWh | 9.35¢/kWh |
| United States | 16.83¢/kWh | 13.2¢/kWh | 8.21¢/kWh |
| Month | ZIP Code 13324 | Low (WA) | High (AZ) |
|---|---|---|---|
| Jan | 2.97 | 1.9 | 5.84 |
| Feb | 3.99 | 3 | 6.31 |
| Mar | 4.77 | 3.65 | 7.02 |
| Apr | 5.27 | 5.13 | 7.3 |
| May | 5.26 | 5.17 | 7.13 |
| Jun | 5.43 | 5.72 | 6.95 |
| Jul | 5.8 | 6.22 | 6.51 |
| Aug | 5.46 | 6.08 | 6.65 |
| Sep | 5.32 | 5.15 | 7.02 |
| Oct | 3.61 | 3.32 | 6.92 |
| Nov | 2.88 | 2.33 | 5.99 |
| Dec | 2.4 | 1.78 | 5.46 |
In 13324, 57.1% of the population is in the labor force. Recent estimates place 3.7% as working from home, while the total labor force in the region has a mean travel to time to work of 31.5 minutes. Approximately 24.9% of the employed population 16 years and over in 13324 work in educational services, and health care and social assistance, while an estimated 14.4% work in retail trade. On the lower end of the scale, just 0.9% of 13324 workers 16 years and over work in wholesale trade.
| Industry | Percent |
|---|---|
| Agriculture, forestry, fishing and hunting, and mining | 3.2% |
| Construction | 9.3% |
| Manufacturing | 8.4% |
| Wholesale trade | 0.9% |
| Retail trade | 14.4% |
| Transportation and warehousing, and utilities | 3.6% |
| Information | 1.0% |
| Finance and insurance, and real estate and rental and leasing | 5.2% |
| Professional, scientific, management, and administrative | 7.9% |
| Educational services, and health care and social assistance | 24.9% |
| Arts, entertainment, and recreation, and accommodation and food services | 8.3% |
| Other services, except public administration | 7.2% |
| Public administration | 5.8% |
Regarding consumer complaints about financial products in ZIP Code 13324, checking or savings account have received the most complaints in 13324 in the past 12 months. Credit reporting or credit repair services received the second most complaints. The most frequent complaint overall in this Herkimer County region was attempts to collect debt not owed.
| Complaint Product | Number of Complaints* |
|---|---|
| Checking or savings account | 1 |
| Credit reporting or credit repair services | 1 |
| Debt collection | 1 |
| Vehicle loan or lease | 1 |
| Complaint Issue | Number of Complaints* |
|---|---|
| Attempts to collect debt not owed | 1 |
| Incorrect information on your report | 1 |
| Managing the loan or lease | 1 |
| Problem caused by your funds being low | 1 |