Median home value in zip code 12116 (Maryland, NY) is $194,946, up 0.4% year over year. Part of the Oneonta, NY metropolitan area.

Home Value$194,946

YoY Change

+0.4%

Prices rising — worse for buyers.

Affordability

Enter your income for 12116 (Maryland).

Income (annual)

Down Payment

$38,989 on $194,946

Example: $75,000 household income. Change it above to see your own.

Affordable22.6% of income

Under the 28% guideline.

PITI$1,415

P/I22.6%

Afford$241K

Room+$46K

P&I $986Tax $279Ins $150

6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

12116 is part of the Oneonta, NY metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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