Median home value in zip code 13825 (Otego, NY) is $205,708, down 0.6% year over year. Part of the Oneonta, NY metropolitan area.

Home Value$205,708

YoY Change

-0.6%

Prices falling — better for buyers.

Affordability

Enter your income for 13825 (Otego).

Income (annual)

Down Payment

$41,142 on $205,708

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

Affordable23.8% of income

Under the 28% guideline.

PITI$1,485

P/I23.8%

Afford$242K

Room+$37K

P&I $1,040Tax $295Ins $150

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

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

Metro Analysis

13825 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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