Median home value in zip code 12197 (Worcester, NY) is $179,923, down 5.2% year over year. Part of the Oneonta, NY metropolitan area.

Home Value$179,923

YoY Change

-5.2%

Prices falling — better for buyers.

Affordability

Enter your income for 12197 (Worcester).

Income (annual)

Down Payment

$35,985 on $179,923

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

Affordable21.1% of income

Under the 28% guideline.

PITI$1,318

P/I21.1%

Afford$239K

Room+$59K

P&I $910Tax $258Ins $150

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

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

Metro Analysis

12197 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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