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Learn about the people, housing, costs and businesses in Otego-Unadilla, New York
Real local data across mortgage, insurance, natural hazard, and place.
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FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Otego-Unadilla.
True all-in cost — P&I, taxes, insurance & utilities for homes in Otego-Unadilla.
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Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Otego-Unadilla.
Seismic risk and earthquake insurance estimates for Otego-Unadilla.
Wildfire exposure and insurance estimates for Otego-Unadilla.
As of today, the 30-year fixed mortgage rate for Otego-Unadilla is approximately 6.989% (7.031% 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 Otego-UnadillaThe median home value in Otego-Unadilla is $154k. The median monthly rent is $933. Annual property taxes average $3k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Otego-Unadilla have increased 10.3% 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 $910/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $39k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Otego-Unadilla is $67k/year.
Calculate your buying powerThe largest employment sectors in Otego-Unadilla are public administration (35%) and retail (12%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.