In Oneonta, a typical home is worth $184,100 and typical rent is $1,021 a month. Compared with all of Otsego County, typical household income is 11% lower and the share of households that own their home is 28 points lower.
Typical rent from Zillow, December 2025 to September 2026: from $2,165 to $2,107.
From Zillow (ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Oneonta is in Otsego County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Otsego County. See the county
What this place has that others do not, from public data, most unusual first.
1
46% of households in Oneonta own their home, against 74% in Otsego County.
2
Nearby, in Ilion, the typical home value is $108,700: 41% less than in Oneonta ($184,100).
3
Nearby, in Ilion, the typical rent is $694: 32% less than in Oneonta ($1,021).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Oneonta
What homes there are in Oneonta, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Oneonta
Otsego County
New York
United States
Kind of home: Oneonta and its comparisons
Measure
Oneonta
Otsego County
New York
United States
Detached house
40%
67%
41%
61%
Attached house
Unreliable estimate
1%
6%
6%
Building of 2 to 4
39%
14%
17%
8%
Apartments (5 or more)
20%
6%
35%
19%
Mobile home
Unreliable estimate
11%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Homes in Oneonta are varied: detached houses are the largest group, at 40%, against 67% in Otsego County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Oneonta
Otsego County
New York
United States
Year built: Oneonta and its comparisons
Measure
Oneonta
Otsego County
New York
United States
Before 1960
76%
54%
52%
26%
1960–1979
16%
15%
22%
24%
1980–1999
5%
18%
14%
25%
2000–2009
Unreliable estimate
7%
6%
14%
2010 or later
Unreliable estimate
5%
6%
11%
Old homes abound here: at least half date from before 1940, and 76% were built before 1960.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K50%
$200K–$300K31%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Oneonta and its comparisons
Measure
Oneonta
Under $100K
Unreliable estimate
$100K–$200K
50%
$200K–$300K
31%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5009%
$500–$99939%
$1,000–$1,49946%
HUD fair market rent, 2 bedrooms: $1,235
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Oneonta and its comparisons
Measure
Oneonta
Under $500
9%
$500–$999
39%
$1,000–$1,499
46%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
About 69% of rented homes in Oneonta cost less than HUD's 2-bedroom fair market rent for Otsego County ($1,235).
With a mortgage
$1,609 a month
Otsego County: $1,568 a month
Without a mortgage
$584 a month
Otsego County: $571 a month
Owners with a mortgage
56%
Otsego County: 49%
The typical cost for an owner with a mortgage in Oneonta is $1,609 a month, near the figure in Otsego County ($1,568).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Oneonta+20%
Otsego County+22%
New York+35%
United States+53%
Typical rent
Oneonta+16%
Otsego County+19%
New York+27%
United States+33%
Typical household income
Oneonta+33%
Otsego County+28%
New York+26%
United States+29%
Change since 2015–2019: Oneonta and its comparisons
Measure
Oneonta
Otsego County
New York
United States
Typical home value
+20%
+22%
+35%
+53%
Typical rent
+16%
+19%
+27%
+33%
Typical household income
+33%
+28%
+26%
+29%
Much as in Otsego County, the typical home value in Oneonta rose 20% since 2015–2019.
Rents in Oneonta rose at about the same pace as in Otsego County: 16% since 2015–2019, against 19%.
Here income gained ground: typical income rose 33%, against +20% for home values and +16% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Oneonta and its comparisons
Measure
Oneonta
Otsego County
New York
United States
Rental vacancy
Unreliable estimate
6.5%
3.8%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
1.1%
0.9%
More than one person per room
Unreliable estimate
1.2%
5.3%
3.4%
People per household
1.95
2.34
2.49
2.53
Drive alone
66%
71%
49%
69%
Carpool
Unreliable estimate
9%
6%
9%
Public transit
Unreliable estimate
1%
22%
3%
Walk or bike
17%
8%
6%
3%
Work from home
10%
12%
15%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 1.95 on average, against 2.34 in Otsego County.
More people walk or bike to work in Oneonta: 17%, against 8% in Otsego County.
Do the math
What would you pay each month for a home in Oneonta?
A typical home is tight for the typical income
We start with a typical home in Oneonta, worth $184,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Oneonta, which is $61,111 a year. For that payment to be 28% of income, a household would need to earn about $72,146 a year.
The calculator's FHA and conventional loan limits are those of all of Otsego County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Oneonta. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $6,444 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,683
at 7.18% · 30 years
Loan amount
$180,765
Total interest
$260,078
Paid off in
November 2056
Includes $3,109 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,426 a month
Tight
$1,426 to $1,833 a month
Your payment · 33%
Hard
more than $1,833 a month
Compared with the typical household income in Oneonta ($61,111 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,225
Property tax
$301
Home insurance
$77
FHA mortgage insurance (MIP)
$81
You need at least $6,444 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $1,683; principal and interest $1,225.
The city and its county
Oneonta and Otsego County
Oneonta is in Otsego County, New York. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Oneonta
Map of Otsego County, New York, with Oneonta marked. Around it, the neighboring counties.
Oneonta
Otsego County
Other cities with a page
Oneonta's own numbers
Typical home value
$184,100
Typical monthly rent
$1,021
Typical yearly household income
$61,111
Households that own their home
46%
Effective property tax rate
1.96%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Otsego County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,235
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
3.8%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Otsego County.
A typical home in Oneonta is worth $184,100: 3% above the county and 57% below New York. With the typical household income in Oneonta ($61,111 a year), a typical home costs 3.0 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Oneonta3.0 years
Otsego2.6 years
New York4.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Otsego County
According to FHFA’s house price index, home prices in Otsego County rose 70% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Otsego County.
Yearly change in FHFA’s price index in Otsego County, 2016 to 2025
2016: +3.7% +3.7% 2016
2017: +0.1% +0.1% 2017
2018: +1.8% +1.8% 2018
2019: +6.1% +6.1% 2019
2020: +2.6% +2.6% 2020
2021: +9.1% +9.1% 2021
2022: +10.5% +10.5% 2022
2023: +5.5% +5.5% 2023
2024: +10.0% +10.0% 2024
2025: +5.4% +5.4% 2025
Change in FHFA’s price index in Otsego County, New York and the United States
Period
County
New York
U.S.
Last year (2025)
+5.4%
+6.0%
+2.9%
5 years (2020–2025)
+48%
+52%
+47%
10 years (2015–2025)
+70%
+86%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Oneonta next to Otsego County, New York and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Oneonta$184,100
Otsego$179,100
New York$423,800
United States$332,700
Typical monthly rent
Oneonta$1,021
Otsego$987
New York$1,621
United States$1,413
Typical yearly household income
Oneonta$61,111
Otsego$68,885
New York$85,974
United States$80,734
See the full table
Oneonta next to Otsego County and New York
Measure
Oneonta
Otsego County
New York
U.S.
Typical home value
$184,100 ▲3% above the county
$179,100
$423,800
$332,700
Typical monthly rent
$1,021 ▲3% above the county
$987
$1,621
$1,413
Typical yearly household income
$61,111 ▼11% below the county
$68,885
$85,974
$80,734
Households that own their home
46% ▼28 points below the county
74%
54%
65%
Typical yearly property tax
$3,600 ▲18% above the county
$3,041
$6,582
$3,119
Effective property tax rate
1.96% ▲0.26 points above the county
1.7%
1.55%
0.94%
Renters with high rent for their income
47% ▲3 points above the county
44%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Otsego County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Oneonta
For a typical $184,100 home in Oneonta, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Oneonta's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,683a month
Least cash to close
Down payment
$6,444
Cash to close
$11,967
Rate
7.18%
Mortgage insurance
FHA MIP · $81
Conventional, 5% down$1,650a month
Down payment
$9,205
Cash to close
$14,728
Rate
7.18%
Mortgage insurance
PMI · $87
Conventional, 20% down, no PMI$1,375a month
Down payment
$36,820
Cash to close
$42,343
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,545a month
Down payment
$27,615
Cash to close
$33,138
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Oneonta
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,683
$6,444
$180,765
7.18%
FHA MIP · $81
$11,967
580
Conventional, 5% down
$1,650
$9,205
$174,895
7.18%
PMI · $87
$14,728
620*
Conventional, 20% down, no PMI
$1,375
$36,820
$147,280
7.18%
None
$42,343
620*
ITIN, 15% down (example)
$1,545
$27,615
$156,485
8.18%
None
$33,138
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Oneonta is $1,021 a month: 3% above the county. In Oneonta, 47% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Otsego County, by unit size. To pay the 2-bedroom one ($1,235 a month) without spending more than 30% of your income, you would need to earn $23.75 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Otsego County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$860
$16.54
$34,400
1 bedroom
$961
$18.48
$38,440
2 bedrooms
$1,235
$23.75
$49,400
3 bedrooms
$1,472
$28.31
$58,880
4 bedrooms
$1,653
$31.79
$66,120
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Oneonta
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Oneonta is in ZIP code 13820.
For 2 bedrooms it is $1,270: $35 more than the fair market rent for Otsego County ($1,235).
Fair market rent by ZIP code and size in Oneonta, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
13820
$890
$990
$1,270
$1,530
$1,710
ZIP code2 bd3 bd
13820 $1,270$1,530
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Oneonta when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 4 buildings with rents for lower incomes in Oneonta. These are the largest.
Albert Nader Towers2 Mitchell St, Oneonta 13820112 low-income homes · Run by Oneonta Housing Authority · Average payment: $442 a month · Average wait: 14 months(607) 432-0170
Oneonta Heights1 Silver Ave, Oneonta 1382060 low-income homes · 1 bd: 42 · 2 bd: 8 · 3 bd: 10 · In service since 2017 · For older adults
James F. Lettis Apartments30 Fairview St, Oneonta 1382030 low-income homes · For families(607) 432-8873
Academy Arms Apartments33 Academy St, Oneonta 1382028 low-income homes · For older adults(607) 432-0170
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Otsego County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Oneonta or Otsego County. The ones below are statewide in New York: they work in Oneonta the same as in the rest of the state.
SONYMA second loan with no interest, forgiven after ten years, for the down payment with a SONYMA mortgage in New York.Offered by State of New York Mortgage Agency (SONYMA).
SONYMA mortgage at a very low fixed rate for low-income first-time buyers in New York, with a minimal down payment.Offered by State of New York Mortgage Agency (SONYMA).
No legal help resource on our list is for Oneonta or Otsego County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Oneonta and all of Otsego County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Oneonta?
The typical home value in Oneonta is $184,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Otsego County it is $179,100.
How much does it cost to rent in Oneonta?
Typical rent in Oneonta is $1,021 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Otsego County is $1,235.
What is the FHA loan limit in Oneonta?
Oneonta uses the FHA limit for all of Otsego County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Oneonta?
The typical homeowner in Oneonta pays $3,600 a year, according to the U.S. Census Bureau. That is 1.96% of the home’s value; in Otsego County, the rate is 1.7%.
Where can I find free help to buy or rent in Oneonta?
We found no HUD-approved counseling agencies with an office in Otsego County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
