Median home value in zip code 13348 (Hartwick, NY) is $217,437, down 3.2% year over year. Part of the Oneonta, NY metropolitan area.

Home Value$217,437

YoY Change

-3.2%

Prices falling — better for buyers.

Affordability

Enter your income for 13348 (Hartwick).

Income (annual)

Down Payment

$43,487 on $217,437

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

Affordable25% of income

Under the 28% guideline.

PITI$1,561

P/I25%

Afford$244K

Room+$26K

P&I $1,099Tax $312Ins $150

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

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

Metro Analysis

13348 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.

View Oneonta, NY analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.