Oneonta, NY home prices
Typical home $220,097 · +5.5% in a year · income needed $68,800
The Oneonta, NY metro area ranks 571 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +5.5% in a year and +27.7% over five years. With 20% down at 7.11%, the typical home costs about $1,606 a month including 1.7% property tax (Otsego County rate).
Mortgage on the typical Oneonta home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $44,019 | $176,077 | $1,184 | $0 | $421 | $1,606 | $68,800 |
| 10% down | $22,010 | $198,087 | $1,333 | $83 | $421 | $1,837 | $78,700 |
| 5% down | $11,005 | $209,092 | $1,407 | $87 | $421 | $1,915 | $82,100 |
| 3.5% down (FHA) | $7,703 | $216,110 | $1,454 | $97 | $421 | $1,973 | $84,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.7% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Oneonta area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Otsego County, NY | $220,102 | +5.5% | 1.7% |
What can you afford in New York on your salary? · New York home prices · Salaries in New York
Frequently asked questions
How much is a house in Oneonta?
The typical home in the Oneonta, NY metro area is worth $220,097 (Zillow, September 2026).
What salary do you need to buy a house in Oneonta?
About $68,800 a year for the typical home with 20% down at 7.11%.