Cooperstown, NY—13326
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Cooperstown, NY
As of Oct '25, the median home price in Cooperstown, NY is $372,000, with a year-over-year change of -3.1%. This indicates that home prices in Cooperstown, NY are decreasing. According to Zillow, the 1-year price projection is 0.9%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $372,000 | -3.1% |
| Single Family | $372,000 | -3.4% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $274,000 | -1.8% |
3 Bed | $360,000 | -3.7% |
4 Bed | $461,000 | -3.2% |
| 5 Bed | $567,000 | -4.4% |
% of Housing Stock
Rental Trends — Cooperstown, NY
As of July '25, Rentcast reports the average rent in Cooperstown, NY is $3,330, with a year-over-year rent change of 35.9%. Per bedroom, the median rent as of July '25 in Cooperstown, NY is 3-bedrooms: $3,750, 4-bedrooms: $2,500. The most common rental property sizes in Cooperstown, NY are 2-bedroom and 1-bedroom, accounting for 44.1% and 22.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $3,500 | $3,330 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $3,500 | $3,750 |
| 4 Bed Rent | $2,500 | $2,500 |
% of Rental Stock
Property Listings — Cooperstown, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Cooperstown, NY is 93. This is a increase of 28.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $594,000 | -13.0% |
Listing Count | 43 | 30.0% |
| Listings as % of Homes | 1.0% | 30.0% |
Days on Market | 93 | 28.0% |
Demographics — Cooperstown, NY
As of the latest ACS Survey released in 2023, Cooperstown, NY has a population of 4,540, which has decreased by -18.8% over the past 5 years. Cooperstown, NY is a less popular place for families, as children make up 10.5% of the population. The area has a highly educated workforce, with 48.5% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 10.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,540 | -18.8% |
% Under 18 | 10.5% | -31.4% |
% Seniors | 33.5% | 25.9% |
% WFH | 10.9% | 25.3% |
% w/ College Degree | 48.5% | 4.3% |
As of the latest ACS Survey released in 2023, Cooperstown, NY is a predominantly white area, with 85.4% of the population identifying as white. The white population has shrunk by 4.6% in the last 5 years. The second most common race or ethnicity in Cooperstown, NY is asian, making up 4.8% of the population. Foreign-born residents account for 10.3% of the population in Cooperstown, NY, and this percentage has increased by 87.3% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 85.4% | -4.6% |
% Black | 2.0% | -4.8% |
% Hispanic | 3.9% | 95.0% |
% Asian | 4.8% | 60.0% |
% Foreign Born | 10.3% | 87.3% |
Mortgage and Risk — Cooperstown, NY
According to HUD data as of 2023, there were 74 mortgage originations in Cooperstown, NY, of which 91.0% of loans were conventional mortgages. The average loan-to-value was 69.0%, with 16.0% above 90% LTV (elevated). This implies medium mortgage risk in Cooperstown, NY. Investor activity is low, as 1.0% of loans were by investors. 7.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 74 |
% Conventional Loans | 91.0% |
% Government Loans | 9.0% |
% Investor Loans | 1.0% |
% Second Loans | 8.0% |
% Cash Out Refinance | 7.0% |
Loan Activity
Rentals and Section 8 — Cooperstown, NY
Cooperstown, NY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 6 |
Total Units Section 8 | 6 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,120 |
| 2 Bedroom | N/A | N/A | $1,380 |
| 3 Bedroom | -$1,840 | $3,500 | $1,660 |
| 4 Bedroom | -$670 | $2,500 | $1,830 |
Affordability — Cooperstown, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.8 |
| Median Home Price | $372,000 |
| Median Household Income | $71,000 |