Real Estate Investing in Otsego County, New York

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

24 ZIP codes • Population: 60,312

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

🏠 For Homebuyers
MIXED
Grade C (64/100)

Mixed signals β€” some positives, some negatives. Worth considering but not a slam-dunk.

πŸ“ˆ 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: 24.5% of homes vacant β€” above national norms.
  • Tenant-protective state: Landlord rating 1.0/5 β€” slower evictions, more regulations.

What’s happening in Otsego County, NY?

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3.0/ 5

Investability

County-wide average

3.0/ 5

Appreciation

5.5% 5yr CAGR

1.0/ 5

Landlord Climate

Regulatory friendliness

Avg Investability β˜…β˜…β˜…β˜…β˜…
Avg Home Value $216,341
Avg Monthly Rent $1,121
ZIP Codes 24

Investing in Otsego County Real Estate

Otsego County spans 24 ZIP codes across 23 cities in New York, with a population of 60,312. The county's thin investment metrics reflect deeper structural challenges β€” worth studying before making commitments.

Investors considering Otsego, New York should understand what the β˜…β˜…β˜…β˜†β˜† rating represents β€” a region with material challenges, not a temporary rough patch.

Otsego County's population trends and income levels suggest a region where affordability is strained, constraining how aggressively rents can rise without hurting collections.

A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

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

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Avg Home Value
$216,341
Avg Monthly Rent
$1,121
1% Rule
βœ— Below
Landlord Friendly (NY)
β˜…β˜†β˜†β˜†β˜†

πŸ“‰ 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

View all metro crash risk rankings β†’

πŸŽ“ Colleges & Universities in Otsego County

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

Cities in Otsego County

ZIP Codes in Otsego County, NY

13820 β˜… β˜… β˜… β˜… β˜…
Oneonta
Population 22,954
Avg Home $227,559
Avg Rent $1,540/mo
13326 β˜… β˜… β˜… β˜… β˜…
Cooperstown
Population 4,536
Avg Home $412,504
Avg Rent $1,296/mo
13849 β˜… β˜… β˜… β˜… β˜…
Unadilla
Population 4,351
Avg Home $178,474
Avg Rent $1,017/mo
13411 β˜… β˜… β˜… β˜… β˜…
New Berlin
Population 2,920
Avg Home $160,280
Avg Rent $963/mo
13825 β˜… β˜… β˜… β˜… β˜…
Otego
Population 2,785
Avg Home $231,602
Avg Rent $999/mo
12197 β˜… β˜… β˜… β˜… β˜…
Worcester
Population 2,275
Avg Home $194,856
Avg Rent $1,206/mo
13320 β˜… β˜… β˜… β˜… β˜…
Cherry Valley
Population 2,027
Avg Home $206,246
Avg Rent $1,206/mo
13843 β˜… β˜… β˜… β˜… β˜…
Gilbertsville
Population 2,014
Avg Home $182,862
Avg Rent $963/mo
12155 β˜… β˜… β˜… β˜… β˜…
Schenevus
Population 1,812
Avg Home $187,230
Avg Rent $1,197/mo
13809 β˜… β˜… β˜… β˜… β˜…
Mount Upton
Population 1,688
Avg Home $159,549
Avg Rent $1,080/mo
12116 β˜… β˜… β˜… β˜… β˜…
Maryland
Population 1,533
Avg Home $215,740
Avg Rent $1,170/mo
13348 β˜… β˜… β˜… β˜… β˜…
Hartwick
Population 1,529
Avg Home $249,301
Avg Rent $1,026/mo
13808 β˜… β˜… β˜… β˜… β˜…
Morris
Population 1,486
Avg Home $192,186
Avg Rent $963/mo
13335 β˜… β˜… β˜… β˜… β˜…
Edmeston
Population 1,388
Avg Home $196,049
Avg Rent $963/mo
13807 β˜… β˜… β˜… β˜… β˜…
Milford
Population 1,260
Avg Home $242,676
Avg Rent $963/mo
13315 β˜… β˜… β˜… β˜… β˜…
Burlington Flats
Population 1,239
Avg Home $205,350
Avg Rent $1,071/mo
13810 β˜… β˜… β˜… β˜… β˜…
Mount Vision
Population 1,195
Avg Home $212,049
Avg Rent $963/mo
13796 β˜… β˜… β˜… β˜… β˜…
Laurens
Population 915
Avg Home $216,956
Avg Rent $1,098/mo
13337 β˜… β˜… β˜… β˜… β˜…
Fly Creek
Population 690
Avg Home $331,130
Avg Rent $1,404/mo
13861 β˜… β˜… β˜… β˜… β˜…
West Oneonta
Population 450
Avg Home $231,033
Avg Rent $1,071/mo
13776 β˜… β˜… β˜… β˜… β˜…
Gilbertsville
Population 395
Avg Home $200,309
Avg Rent $1,251/mo
12064 β˜… β˜… β˜… β˜… β˜…
East Worcester
Population 314
Avg Home $131,462
Avg Rent $1,233/mo
13468 β˜… β˜… β˜… β˜… β˜…
Springfield Center
Population 305
Avg Home $231,986
Avg Rent $1,125/mo
13450 β˜… β˜… β˜… β˜… β˜…
Roseboom
Population 251
Avg Home $194,791
Avg Rent $1,143/mo

Screen every market in Otsego County

Filter this county’s ZIPs by cap rate, vacancy, appreciation and 30+ more criteria, and export your shortlist to CSV — with the Investor plan ($19/mo). Add weekly alerts when these markets move with Investor Pro+.

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Frequently Asked Questions About Otsego County

How does, NY rate as a rental market?

Our data puts, NY at 3.0/5 for investability. Home prices of $216K and rents around $1,121/mo create a solid backdrop for investor activity.

What do landlords charge for rent in, NY?

The typical rental in, NY commands about $1,121/mo monthly. That rent profile consistent cash flow against the $216K purchase basis.

Are renters plentiful in, NY?

Expect a solid tenant pool in, NY. The rental market absorbs $1,121/mo rents without meaningful friction.

Which investment style suits, NY?

In, NY the healthy play is typically careful cash-flow rentals with hands-on management. The combination of $216K prices and $1,121/mo rents suits that approach.

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