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Learn about the people, housing, costs and businesses in Oneonta, New York
Real local data across mortgage, insurance, natural hazard, and place.
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FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Oneonta.
True all-in cost — P&I, taxes, insurance & utilities for homes in Oneonta.
Find and compare lenders active near Oneonta.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Oneonta.
Seismic risk and earthquake insurance estimates for Oneonta.
Wildfire exposure and insurance estimates for Oneonta.
As of today, the 30-year fixed mortgage rate for Oneonta is approximately 6.998% (7.038% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for OneontaThe median home value in Oneonta is $205k. The median monthly rent is $1,237. Annual property taxes average $4k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Oneonta have increased 13.0% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,201/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $51k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Oneonta is $76k/year.
Calculate your buying powerThe largest employment sectors in Oneonta are public administration (26%) and healthcare (13%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.