Median home value in zip code 13809 (Mount Upton, NY) is $151,550, down 2.6% year over year. Part of the Oneonta, NY metropolitan area.

Home Value$151,550

YoY Change

-2.6%

Prices falling — better for buyers.

Affordability

Enter your income for 13809 (Mount Upton).

Income (annual)

Down Payment

$30,310 on $151,550

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

Affordable18.1% of income

Under the 28% guideline.

PITI$1,134

P/I18.1%

Afford$234K

Room+$82K

P&I $766Tax $217Ins $150

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

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

Metro Analysis

13809 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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