Median home value in zip code 13820 (Oneonta, NY) is $206,732, down 0.4% year over year. Part of the Oneonta, NY metropolitan area.

Home Value$206,732

YoY Change

-0.4%

Prices falling — better for buyers.

Affordability

Enter your income for 13820 (Oneonta).

Income (annual)

Down Payment

$41,346 on $206,732

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

Affordable23.9% of income

Under the 28% guideline.

PITI$1,492

P/I23.9%

Afford$242K

Room+$36K

P&I $1,045Tax $296Ins $150

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

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

Metro Analysis

13820 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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