Median home value in zip code 13320 (Cherry Valley, NY) is $184,864, up 1.3% year over year. Part of the Oneonta, NY metropolitan area.

Home Value$184,864

YoY Change

+1.3%

Prices rising — worse for buyers.

Affordability

Enter your income for 13320 (Cherry Valley).

Income (annual)

Down Payment

$36,973 on $184,864

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

Affordable21.6% of income

Under the 28% guideline.

PITI$1,350

P/I21.6%

Afford$240K

Room+$55K

P&I $935Tax $265Ins $150

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

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

Metro Analysis

13320 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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