Cost of Living in Otsego County, NY

What does it cost to live in Otsego County? Income, housing, and affordability breakdown.

Median Income

$65,778

Median Rent

$927/mo

Median Home

$166,500

Affordability

480

Housing Cost Breakdown

Owning (20% down, 6.5%)

Mortgage (P&I)$842
Property Tax$244
Insurance$56

Total Monthly$1,142
% of Income20.8%

Renting

Median Rent$927
Renter's Insurance$25

Total Monthly$952
% of Income16.9%

Living in Otsego County, New York

Otsego County has a median household income of $65,778 with housing costs that represent 20.8% of income for owners and 16.9% for renters. Housing costs are within the recommended 30% of income threshold.

The affordability index of 480 (100 = median income perfectly covers median housing costs) gives a quick snapshot. Use our calculator for a comprehensive comparison across counties, including taxes, utilities, healthcare, and commute costs.

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Family and education

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Bureau of Labor Statistics, Bureau of Economic Analysis. Estimates are county-level medians. This is not financial advice.