Cato, NY demographics:
population, income, and more

Total population
515
28.8% year-over-year change
Median household income
$82,292/yr
24.7% year-over-year change
Housing units
215
13.2% year-over-year change

Cato population

How many people live in Cato

Cato is home to 515 residents, according to the most recent Census data. Gender-wise, 48.5% of Cato locals are male, and 51.5% are female.

Total population
515
28.8% year-over-year change
Gender ratio
Male
48.5%
250
Female
51.5%
265
Value Percent YoY change
Male 250 48.5% 21.9%
Female 265 51.5% 35.9%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Cato is 40, with the population distributed as follows: about 20.8% are children under 15, then 6.8% are in the 15 to 24 age group. Adults between 25 and 44 make up 28.7% of the population, while another 26.2% fall into the 45 to 64 bracket. Finally, around 17.5% are 65 or older.

Median age
40.2
Age breakdown
Under 15
20.8%
15 to 24
6.8%
25 to 44
28.7%
45 to 64
26.2%
Over 65
17.5%
Value Percent YoY change
Under 15 107 20.8% 33.8%
15 to 24 35 6.8% -20.4%
25 to 44 148 28.7% 42.3%
45 to 64 135 26.2% 46.7%
Over 65 90 17.5% 12.5%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Cato, 97.5% of the population are US-born citizens, while 1.8% have gained naturalized citizenship. At the same time, 0.8% of residents are non-citizens. There’s also a share of 4.3% that includes residents with two or more races.

Citizenship
U.S.-born citizens
97.5%
Non-U.S.-born citizens
1.8%
Non-citizens
0.8%
Value Percent YoY change
U.S.-born citizens 502 97.5% 26.1%
Non-U.S.-born citizens 9 1.8% N/A
Non-citizens 4 0.8% 100.0%
Racial breakdown
White
92%
Black or African American
0%
American Indian and Alaska Native
0%
Asian
0%
Native Hawaiian and other Pacific Islander
0%
Two or more races
4.3%
Other
3.7%
Value Percent
White 474 92%
Two or more races 22 4.3%
Other 19 3.7%

Households in Cato

A peek inside Cato households

Cato has 205 households, with an average of 3 members in each. Of these, 75.6% are families, while the remaining 24.4% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
205
14.5% year-over-year change
Average people per household
3
Non-family households
50
Family households
155
Value Percent YoY change
Non-family households 50 24.4% -27.5%
Family households 155 75.6% 40.9%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Cato

The housing landscape of Cato

Cato's housing consists of 215 units, with 76.7% being detached single-family homes ideal for those wanting space.

Housing units
215
13.2% year-over-year change
Housing types
Value Percent
1 unit, detached 165 76.7%
2 units 19 8.8%
3 or 4 units 19 8.8%
5 to 9 units 3 1.4%
10 to 19 units 2 0.9%
20 to 49 units 7 3.3%
Homes built since 2020
0
% year-over-year change

The age of buildings in Cato

In Cato, the median construction year is 1938. About 58.1% of homes were built before the 1940s, with another 6% going up by 1949. Most development happened in the second half of the 20th century.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 125 58.1% 27.6%
Built between 1940 and 1949 13 6% -13.3%
Built between 1950 and 1959 4 1.9% 0.0%
Built between 1960 and 1969 21 9.8% 162.5%
Built between 1970 and 1979 13 6% -55.2%
Built between 1980 and 1989 12 5.6% 9.1%
Built between 1990 and 1999 6 2.8% -64.7%
Built between 2000 and 2009 21 9.8% 162.5%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Cato occupancy rates

Out of the 205 occupied housing units in Cato, 79% are owner-occupied, while 21% are lived in by tenants. Meanwhile, 4.7% of all homes on the local market sit vacant.

Occupied housing units
205
14.5% year-over-year change
Occupancy breakdown
Renter occupied
43
Owner occupied
162
Value Percent YoY
change
Renter occupied 43 21% -32.8%
Owner occupied 162 79% 40.9%
Unoccupied housing units
4.7%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Cato housing costs

Housing costs in Cato come to a median of $1,192 per month, while tenants specifically pay a median gross rent of $695.

Median housing costs per month
$1,192/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Cato
$695/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Cato

Cato education at a glance

About 41% of the population in Cato went to high school, while 27.7% pursued college studies. Another 16% earned an associate degree and 8.6% hold a bachelor’s. Meanwhile, 5.1% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 6 1.5% 100.0%
High school diploma 161 41% 18.4%
College diploma 109 27.7% 31.3%
Associate degree 63 16% 57.5%
Bachelor's degree 34 8.6% 47.8%
Graduate degree 20 5.1% 66.7%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Cato

How much people earn in Cato

The average annual household income in Cato was $94,300 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +39.6% change from the previous year. At the same time, the median income stood at $82,292, reflecting a +24.7% shift over the same period.

Average household income in Cato
$94,300/year
39.6% year-over-year change
Median household income in Cato
$82,292/year
24.7% year-over-year change

Cato income by age

In Cato, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $113,333. Those with someone between 45 and 64 in charge, often well established professionally, earn $102,083 overall. Overall, 91% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
25 - 44 $113,333 32.9%
45 - 64 $102,083 53.1%
Over 65 $39,107 5.8%
Above poverty level
466
Below poverty level
46
Value Percent YoY
change
Above poverty level 466 91% 28.4%
Below poverty level 46 9% 43.8%

Employment in Cato

Workforce and job types in Cato

The job market in Cato is powered by 239 working residents, spread across a range of industries and roles. 71.6% of the working population are employed in professional or administrative positions, while 28.4% are in hands-on or service-based jobs. Also, 6.7% run their own businesses, 57.3% are employed by private companies, and 23% work in the public sector.

Workforce demographics

Working population
239
29.9% year-over-year change
White collar
171
Blue collar
68
Value Percent YoY change
White collar 171 71.6% 51.3%
Blue collar 68 28.4% -4.2%
Employer type
Self employees
6.7%
Private companies
57.3%
Governmental workers
23%
Not for profit companies
13%
Value Percent YoY change
Self employees 16 6.7% 45.5%
Private companies 137 57.3% 7.0%
Governmental workers 55 23% 96.4%
Not for profit companies 31 13% 82.3%
Unemployment rate
0.8%
-60.0% year-over-year change

Available workforce

The unemployment rate in Cato stands at 0.8%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Cato

How people get around in Cato

Commuting methods vary: 92.3% of residents travel by personal vehicle and 0.8% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Means of transportation
Value Percent YoY change
Car 217 92.3% 35.6%
Walk 2 0.8% 0.0%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Cato by zipcode?

Zipcode Population Number of households Median income Average income
13033 3,732 1,347 $93,092 $105,601

Explore more communities

FAQs about Cato demographics 

What is the total population of Cato?

Cato has a total population of 515 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by +28.8% compared to a year ago.

What is the gender ratio in Cato?

The gender ratio in Cato is as follows:
  • 48.5% males (250 residents)
  • 51.5% females (265 residents)

What is the median age in Cato?

The median age in Cato is 40.2.

What is the age distribution of the population in Cato?

The age distribution in Cato is as follows:
  • Under 15: 20.8% (107 residents)
  • Ages 15-24: 6.8% (35 residents)
  • Ages 25-44: 28.7% (148 residents)
  • Ages 45-64: 26.2% (135 residents)
  • Over 65: 17.5% (90 residents)

What is the racial and ethnic makeup of Cato?

The racial and ethnic makeup of Cato is as follows:
  • White: 92% (474 residents)
  • Black or African American: 0% (0 residents)
  • American Indian and Alaska Native: 0% (0 residents)
  • Asian: 0% (0 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (0 residents)
  • Two or More Races: 4.3% (22 residents)
  • Other: 3.7% (19 residents)

What percentage of the population in Cato are U.S.-born citizens?

U.S.-born citizens represent 97.5% of the population in Cato.

How many housing units are there in Cato?

There are 215 housing units in Cato, reflecting a +13.2% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Cato and what is the average household size?

Cato has a total of 205 households, with an average of 3 people in each.

What is the median household income in Cato?

Cato has a median household income of $82,292, representing a +24.7% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Cato?

The employment rate is 99.2% in Cato, with a workforce of 239 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 71.6% (171 residents)
  • Blue-collar workers: 28.4% (68 residents)

Places of employment:
  • Self-employed: 6.7% (16 residents)
  • Private companies: 57.3% (137 residents)
  • Governmental workers: 23% (55 residents)
  • Not-for-profit companies: 13% (31 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025