Real Estate Investing in Oneonta, New York

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

1 ZIP codes • Population: 22,954 • Otsego County

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Should you buy in Oneonta, NY? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (67/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (52/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
2 flags
  • High vacancy: 18.3% of homes vacant — above national norms.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.

What’s happening in Oneonta, NY?

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3.0/ 5

Investability

Citywide average

3.0/ 5

Appreciation

6.6% 5yr CAGR

1.0/ 5

Landlord Climate

Regulatory friendliness

🏦 30-yr Fixed Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS
Avg Investability
Avg Home Value $227,559
Avg Monthly Rent $1,540
ZIP Codes 1

Investing in Oneonta Real Estate

Oneonta, NY covers 1 ZIP codes and a population but the investment metrics here are muted — this is not a market to enter casually.

The investment case for Oneonta is difficult to make on screen data alone. a harder case for a 3.0 rating and a cap rate of 0.0% that looks fine only until you underwrite the vacancy.

Rent trends and price trends in Oneonta are both soft, which is the uncomfortable combination that defines distressed-leaning markets in New York.

Oneonta's population trends and income levels suggest a market where affordability is strained, which constrains how aggressively rents can rise without hurting collections.

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Best ZIP codes in Oneonta, NY

Oneonta is part of this metro. Every ZIP in it, ranked. Free.

Cash Flow → Appreciation → Affordable →

Landlord Ground Truth

Real numbers from people who own or manage rentals in Oneonta, NY. Anonymous, moderated, never written by AI.

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Avg Home Value
$227,559
Avg Monthly Rent
$1,540
1% Rule
✗ Below
Landlord Friendly (NY)

📉 Market Crash Risk Index

Based on Oneonta, NY metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
0%
Days Pending
0/2
0 days

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☀️ Warm Market — Oneonta, NY metro
0
Days to pending
5.5%
Listings with price cuts
0.0%
Sale-to-list ratio
📅 Data as of August 29, 2026 — updated weekly

🎓 Colleges & Universities in Oneonta

3 Colleges 6,644 Students 13 Off-Campus Renters
B
SUNY Oneonta
4-Year Public · 5,514 students
C
Hartwick College
4-Year Private · 1,113 students
C
Otsego Area BOCES-Practical Nursing Program
Vocational Public · 17 students

Neighborhoods in Oneonta

ZIP Codes in Oneonta, NY

Screen every ZIP in Oneonta

Filter Oneonta’s ZIPs by cap rate, vacancy, appreciation and 30+ more criteria, and export your shortlist to CSV — with the Investor plan ($19/mo).

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Frequently Asked Questions About Oneonta, NY

Do rentals sit vacant long in Oneonta, NY?

Oneonta, NY vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.

What are home prices like in Oneonta, NY?

Homes in Oneonta, NY typically sell near $228K. Prices have moved at a 0.0% 5-year CAGR, which even-keeled long-term demand.

Which investment style suits Oneonta, NY?

In Oneonta, NY the significant play is typically careful cash-flow rentals with hands-on management. The combination of $228K prices and $1,540/mo rents suits that approach.

Is Oneonta, NY landlord-friendly?

The landlord environment in Oneonta, NY is tenant-protective. Statewide rules shape most day-to-day operations for rental owners.

What is the typical rental rate in Oneonta, NY?

Expect rents around $1,540/mo per month in Oneonta, NY. With home values at $228K, the yield math works out to reasonable levels for rental investors.

Community Ratings

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