Safe Rate Local
Learn about the people, housing, costs and businesses in Otsego County County
Select a topic to explore real data for Otsego County.
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Otsego County.
Estimate payments for homes in Otsego County.
People, housing & businesses in Otsego County.
Find and compare lenders active near Otsego County.
Homeowners, flood & wildfire estimates for Otsego County.
Income, rent and all-in ownership costs for Otsego County.
FEMA flood zones and flood insurance estimates for Otsego County.
Seismic risk and earthquake insurance estimates for Otsego County.
Wildfire exposure and insurance estimates for Otsego County.
As of today, the 30-year fixed mortgage rate for Otsego County is approximately 7.199% (7.229% 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 Otsego CountyThe median home value in Otsego County is $191k. The median monthly rent is $926. Annual property taxes average $3k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Otsego County 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 $1,013/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $43k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Otsego County is $74k/year.
Calculate your buying powerThe largest employment sectors in Otsego County are public administration (34%) and wholesale trade (7%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.
Adjacent counties and areas