Median home value in zip code 12197 (Worcester, NY) is $180K, down 5.2% year over year. Part of the Oneonta, NY metropolitan area.

Full stress scores, AI analysis, and 12-month forecast: Oneonta, NY metro →

Home Value$179,923

YoY Change

-5.2%

AFFORDABILITY

Enter your income for 12197 (Worcester).

Income (annual)

Down Payment

$35,985 on $179,923

Affordable — 21.1% 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.

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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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