Oneonta, NY—13820
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Oneonta, NY
As of Oct '25, the median home price in Oneonta, NY is $210,000, with a year-over-year change of 1.0%. This indicates that home prices in Oneonta, NY are flat. According to Zillow, the 1-year price projection is 0.4%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $210,000 | 1.0% |
| Single Family | $210,000 | 1.0% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $141,000 | 2.9% |
2 Bed | $176,000 | 1.1% |
3 Bed | $205,000 | 1.5% |
4 Bed | $242,000 | 0.8% |
| 5 Bed | $275,000 | -0.4% |
% of Housing Stock
Rental Trends — Oneonta, NY
As of July '25, Rentcast reports the average rent in Oneonta, NY is $1,480, with a year-over-year rent change of 0.7%. Per bedroom, the median rent as of July '25 in Oneonta, NY is studios: $750, 1-bedrooms: $1,030, 2-bedrooms: $1,400, 3-bedrooms: $1,630, 4-bedrooms: $2,450. The most common rental property sizes in Oneonta, NY are 2-bedroom and 1-bedroom, accounting for 37.9% and 31.5% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,400 | $1,480 |
| Studio Rent | $750 | $750 |
| 1 Bed Rent | $950 | $1,030 |
| 2 Bed Rent | $1,300 | $1,400 |
| 3 Bed Rent | $1,500 | $1,630 |
| 4 Bed Rent | $2,300 | $2,450 |
% of Rental Stock
Property Listings — Oneonta, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Oneonta, NY is 44. This is a decrease of -11.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 15.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $279,000 | 9.0% |
Listing Count | 80 | 25.0% |
| Listings as % of Homes | 0.4% | 25.0% |
Days on Market | 44 | -11.0% |
Demographics — Oneonta, NY
As of the latest ACS Survey released in 2023, Oneonta, NY has a population of 23,000, which has increased by 4.4% over the past 5 years. Oneonta, NY is a less popular place for families, as children make up 11.6% of the population. The area has a moderately educated workforce, with 39.7% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 8.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 23,000 | 4.4% |
% Under 18 | 11.6% | -6.5% |
% Seniors | 18.1% | 0.6% |
% WFH | 8.9% | 93.5% |
% w/ College Degree | 39.7% | 5.0% |
As of the latest ACS Survey released in 2023, Oneonta, NY is a predominantly white area, with 84.1% of the population identifying as white. The white population has shrunk by 1.4% in the last 5 years. The second most common race or ethnicity in Oneonta, NY is hispanic, making up 6.0% of the population. Foreign-born residents account for 4.7% of the population in Oneonta, NY, and this percentage has decreased by 7.8% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 84.1% | -1.4% |
% Black | 5.3% | 29.3% |
% Hispanic | 6.0% | -10.4% |
% Asian | 1.8% | -21.7% |
% Foreign Born | 4.7% | -7.8% |
Mortgage and Risk — Oneonta, NY
According to HUD data as of 2023, there were 212 mortgage originations in Oneonta, NY, of which 84.0% of loans were conventional mortgages. The average loan-to-value was 69.0%, with 30.0% above 90% LTV (very high). This implies large mortgage risk in Oneonta, NY. Investor activity is low, as 7.0% of loans were by investors. 8.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 212 |
% Conventional Loans | 84.0% |
% Government Loans | 16.0% |
% Investor Loans | 7.0% |
% Second Loans | 3.0% |
% Cash Out Refinance | 8.0% |
Loan Activity
Rentals and Section 8 — Oneonta, NY
Oneonta, NY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 342 |
Total Units Section 8 | 230 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | 82.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $40 | $950 | $990 |
| 2 Bedroom | -$80 | $1,300 | $1,220 |
| 3 Bedroom | -$20 | $1,500 | $1,480 |
| 4 Bedroom | -$680 | $2,300 | $1,620 |
Affordability — Oneonta, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.8 |
| Median Home Price | $210,000 |
| Median Household Income | $66,200 |