Cost of Living in Oneonta, NY
Population 14,467 · New York · Data vintage 2023
(100 = US avg)
Oneonta offers a notably favorable income-to-housing ratio for its region. The typical home — $188,000 — costs less than 2.9 times median household income of $65,031, a threshold many coastal markets passed a decade ago.
Geographically, Oneonta is about 65 miles west of Albany, the nearest large metro. Median home values run roughly 16% lower than Albany's $223,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Oneonta
The median home value in Oneonta is $187,800 — 38% below the national median of $305,000. Median rent runs $986/month, 25% lower than the national median of $1,314/month. The median household income of $65,031/year is 13% lower than the US median of $74,580. The local unemployment rate is 3.4%, below the national average of 4.8%. New York's top state income tax rate is 10.9% and the combined sales tax is 8.5%. The climate averages highs of 54.8°F and lows of 37.8°F, with about 86.5" of annual snowfall. Overall, Oneonta has a cost of living index of 67 versus the US average of 100, meaning it is 33% less expensive.
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
🌤 Climate
NOAA 1991–2020 Climate Normals
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| High °F | 30 | 32 | 41 | 54 | 66 | 74 | 78 | 77 | 70 | 57 | 45 | 34 |
| Low °F | 16 | 17 | 24 | 35 | 46 | 55 | 59 | 58 | 51 | 41 | 31 | 22 |
| Precip" | 2.62 | 2.41 | 3.05 | 3.63 | 3.78 | 4.69 | 3.80 | 4.10 | 4.01 | 3.76 | 3.11 | 3.08 |
| Snow" | 20.6 | 19.7 | 16.4 | 3.8 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 1.0 | 6.8 | 18.1 |
🏫 Schools
NCES CCD 2019 — public school district data
Frequently Asked Questions
What is the cost of living in Oneonta, NY?
Oneonta has a cost index of 67 (100 = national average). It is 33% below the national average.
What is average rent in Oneonta, NY?
The median gross rent in Oneonta is $986 per month based on 2023 Census data.
What is the average home price in Oneonta?
The median home value in Oneonta is $187,800 according to 2023 Census ACS data.
What is the median income in Oneonta?
The median household income in Oneonta is $65,031 per year (2023 ACS 5-year estimates).
What is the sales tax in Oneonta, NY?
The combined state and local sales tax rate in Oneonta is 8.5%. The New York state income tax top rate is 10.9%.
Is Oneonta, NY affordable?
Yes, Oneonta is generally considered affordable, with a cost of living index of 67 — about 33% below the US national average of 100.
What is the weather like in Oneonta?
Oneonta has average high temperatures of 54.8°F and average lows of 37.8°F. Annual precipitation is 42". Average annual snowfall is 86.5". Data from NOAA 1991–2020 Climate Normals.
Oneonta at a Glance
- Population
- 14,467
- Median Income
- $65,031
- Home Value
- $187,800
- Median Rent
- $986/mo
- Unemployment
- 3.4%
- Avg High Temp
- 54.8°F
- Sales Tax
- 8.5%
Explore county-level cost of living data
New York Rankings
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