Otsego County, NY Average Home Price (2026)
The average home price in Otsego County, New York is about $215,000 (the 2026 median across 31 ZIP codes, at ~$158/sq ft) — 35% more affordable than the New York median and 26% more affordable than the typical U.S. home.
How Otsego County compares
Otsego County is relatively affordable for housing nationally: its typical home costs $215,000 against $333,000 for New York and $289,000 for the U.S. Within the county, ZIP-level values run from about $123,000 to $416,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Otsego County | $215,000 | $158 |
| New York | $333,000 | $241 |
| United States | $289,000 | $193 |
Otsego County home prices by ZIP code
The 15 most valuable ZIP codes in Otsego County (of 31 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 13488 Westford | $416,000 | $219 | +93% |
| 13326 Cooperstown | $411,000 | $249 | +91% |
| 13337 Fly Creek | $330,000 | $183 | +53% |
| 13859 Wells Bridge | $260,000 | $137 | +21% |
| 13348 Hartwick | $249,000 | $196 | +16% |
| 13807 Milford | $243,000 | $229 | +13% |
| 13468 Springfield Center | $234,000 | $193 | +9% |
| 13861 West Oneonta | $229,000 | $114 | +7% |
| 13825 Otego | $228,000 | $214 | +6% |
| 13820 Oneonta | $227,000 | $155 | +6% |
| 13439 Richfield Springs | $226,000 | $140 | +5% |
| 13333 East Springfield | $220,000 | $116 | +2% |
| 12116 Maryland | $215,000 | $163 | +0% |
| 13342 Garrattsville | $215,000 | $113 | +0% |
| 13415 New Lisbon | $215,000 | $113 | +0% |
Home value appreciation in Otsego County
Home prices in Otsego County have risen about 70% over the last 10 years (≈5.4% a year) and +74.1% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +5.4% — still rising. A home worth $215,000 today was worth roughly $126,844 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, New York is +85.6% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Otsego County
Run the numbers for Otsego County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Otsego County
To buy the typical $215,000 home in Otsego County with 20% down, you need a household income of roughly $58,000 a year (about $1,360 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $70,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $10,800 | $1,700/mo | $73,000/yr |
| 10% (+PMI) | $21,500 | $1,620/mo | $70,000/yr |
| 20% | $43,000 | $1,360/mo | $58,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Otsego County
At about $158 per square foot, here is roughly how much home different budgets get you in Otsego County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 950 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1270 sq ft | around the typical home here |
| $250k | 1580 sq ft | around the typical home here |
| $300k | 1900 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2530 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to New York.
Estimate a specific home in Otsego County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Otsego County home prices: frequently asked
What is the average home price in Otsego County, NY? +
What salary do you need to buy a house in Otsego County? +
Which part of Otsego County is most expensive? +
Are home values in Otsego County going up? +
Browse all New York cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.