Most Affordable ZIP Codes in Oneonta, NY (2026)
The lowest entry prices that still hold a decent investability rating — cheap is only useful if the market underneath it is sound.
| # | ZIP | City | Home value | Rent | Cap rate | 5-yr growth |
|---|---|---|---|---|---|---|
| 1 | 12064 | East Worcester, NY | $131,462 | $1,233 | 7.32% | — |
| 2 | 13809 | Mount Upton, NY | $159,549 | $1,080 | 5.28% | 4.0% |
| 3 | 13411 | New Berlin, NY | $160,280 | $963 | 4.69% | 4.9% |
| 4 | 13849 | Unadilla, NY | $178,474 | $1,017 | 4.44% | 4.2% |
| 5 | 13843 | Gilbertsville, NY | $182,862 | $963 | 4.11% | 4.7% |
| 6 | 12155 | Schenevus, NY | $187,230 | $1,197 | 4.99% | 5.3% |
| 7 | 13808 | Morris, NY | $192,186 | $963 | 3.91% | 5.9% |
| 8 | 13450 | Roseboom, NY | $194,791 | $1,143 | 4.58% | 5.2% |
| 9 | 12197 | Worcester, NY | $194,856 | $1,206 | 4.83% | 2.9% |
| 10 | 13335 | Edmeston, NY | $196,049 | $963 | 3.83% | 4.7% |
| 11 | 13776 | Gilbertsville, NY | $200,309 | $1,251 | 4.87% | 4.3% |
| 12 | 13315 | Burlington Flats, NY | $205,350 | $1,071 | 4.07% | 4.8% |
| 13 | 13750 | Davenport, NY | $205,374 | $963 | 3.66% | 5.7% |
| 14 | 13320 | Cherry Valley, NY | $206,246 | $1,206 | 4.56% | 6.6% |
| 15 | 13810 | Mount Vision, NY | $212,049 | $963 | 3.54% | 5.8% |
| 16 | 12116 | Maryland, NY | $215,740 | $1,170 | 4.23% | 6.0% |
| 17 | 13796 | Laurens, NY | $216,956 | $1,098 | 3.95% | 6.6% |
| 18 | 13820 | Oneonta, NY | $227,559 | $1,540 | 5.28% | 6.6% |
| 19 | 13861 | West Oneonta, NY | $231,033 | $1,071 | 3.62% | 7.5% |
| 20 | 13825 | Otego, NY | $231,602 | $999 | 3.36% | 7.0% |
| 21 | 13468 | Springfield Center, NY | $231,986 | $1,125 | 3.78% | 7.2% |
| 22 | 13807 | Milford, NY | $242,676 | $963 | 3.10% | 6.5% |
| 23 | 13348 | Hartwick, NY | $249,301 | $1,026 | 3.21% | 4.9% |
| 24 | 13337 | Fly Creek, NY | $331,130 | $1,404 | 3.31% | 3.9% |
| 25 | 13326 | Cooperstown, NY | $412,504 | $1,296 | 2.45% | 6.4% |
Ranked from Repit’s own ZIP-level data — Zillow home values and rents, HUD fair-market rents where Zillow has no coverage, and U.S. Census vacancy. Cap rate is gross: annual rent over purchase price, before financing and expenses. Every ZIP above links to its full free page. How we calculate this →
Same metro, different strategy
Cash Flow in Oneonta, NY · Appreciation in Oneonta, NY
Or see the full Oneonta, NY metro profile.