Median home value in zip code 13861 (West Oneonta, NY) is $208,719, up 2.4% year over year. Part of the Oneonta, NY metropolitan area.

Home Value$208,719

YoY Change

+2.4%

Prices rising — worse for buyers.

Affordability

Enter your income for 13861 (West Oneonta).

Income (annual)

Down Payment

$41,744 on $208,719

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

Affordable24.1% of income

Under the 28% guideline.

PITI$1,505

P/I24.1%

Afford$243K

Room+$34K

P&I $1,055Tax $299Ins $150

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

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

Metro Analysis

13861 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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