salaryRent is lower than in 73% of U.S. cities. A typical house costs under 3 years of household income, which is easy by U.S. standards. Commutes are short, about 15.3 minutes.
How much money do I need?
To rent here comfortably, you should earn about $49,920 a year. That is $24 an hour at a full-time job.
Is rent cheaper than other New York cities?
Yes. Rent here is cheaper than in most of New York. It is number 46 of 343 cities from cheapest to most expensive.
How much do households earn in Oneonta?
Share of households by yearly income. 14.8% of households earn $100,000 or more.
Rent by apartment size in Oneonta
| Size | Oneonta | U.S. average |
|---|---|---|
| Studio | $677 | $1,338 |
| 1 bedroom | $989 | $1,324 |
| 2 bedrooms | $1,237 | $1,509 |
| 3 bedrooms | $1,280 | $1,698 |
| 4 bedrooms | $952 | $2,098 |
Median monthly rent plus utilities for all renters, by number of bedrooms.
How expensive is Oneonta overall?
Everyday prices in New York overall are 8% above the U.S. average (index 107.9, U.S. = 100).
Source: U.S. Bureau of Economic Analysis, Regional Price Parities 2024. City-level data is not published for Oneonta, so the New York figure is shown.
Taxes and bills in Oneonta
Life in Oneonta
Is it cheaper to rent or buy in Oneonta?
About the same. Renting and owning cost within $29 of each other each month.
Owning assumes a typical $184,100 home, 10% down, a 30-year loan at 6.5% and about 1.5% a year for taxes and insurance. You would also need $18,410 for the down payment.
Frequently asked questions
What is the average rent in Oneonta, NY?
Renting in Oneonta costs a median of about $1,248 a month in 2026, including utilities. The New York median is $2,177.
How much do I need to make to live in Oneonta?
To keep rent under 30% of income, you need about $49,920 a year, or $24 an hour at a full-time job.
Is Oneonta cheap or expensive?
Oneonta is rated OK: rent takes 22.7% of the typical household income of $65,908. It ranks 46th cheapest of 343 New York cities we track.
How much are property taxes in Oneonta?
The median homeowner in Oneonta pays $3,600 a year in property taxes, about 1.96% of the median home value.
Is Oneonta more expensive than the national average?
Overall prices in New York are 8% above the U.S. average, according to the U.S. Bureau of Economic Analysis.
How much does a house cost in Oneonta?
The median home value in Oneonta is $184,100, about 2.8 times the typical yearly household income.
15,045 people live in Oneonta. Numbers are typical (middle) values.