Rental numbers for Otsego County, NY
The typical home here runs -$429 a month at 7.78% with 25% down, breaking even at about 3.7%. 0 of 2 ZIP codes with full Zillow data in this county are cash-flow positive; the median gross yield is 7.5%.
- Gross yield
- 8.9%
- typical home, Zillow
- Median ZIP yield
- 7.5%
- 2 ZIPs with full data
- Cash flow
- -$429/mo
- at 7.78%, 25% down
- Typical price
- $221,000
- Zillow ZHVI, Aug 2026
- Typical rent
- $1,648/mo
- Zillow ZORI, Aug 2026
ZIP codes in Otsego County
24 with published figures
| 12064East Worcester | $130,000 | $1,370* | 12.7% | 6.7% | +$26 | n/a |
| 13809Mount Upton | $161,000 | $1,200* | 8.9% | 4.2% | -$302 | n/a |
| 13776Gilbertsville | $195,000 | $1,390* | 8.5% | 3.7% | -$447 | n/a |
| 13820Oneonta | $227,000 | $1,605 | 8.5% | 3.5% | -$551 | n/a |
| 12155Schenevus | $188,000 | $1,330* | 8.5% | 3.6% | -$455 | n/a |
| 12197Worcester | $198,000 | $1,340* | 8.1% | 3.3% | -$516 | n/a |
| 13411New Berlin | $163,000 | $1,070* | 7.9% | 2.3% | -$559 | n/a |
| 13320Cherry Valley | $208,000 | $1,340* | 7.7% | 3.0% | -$602 | n/a |
| 13450Roseboom | $199,000 | $1,270* | 7.6% | 3.1% | -$556 | n/a |
| 13849Unadilla | $180,000 | $1,130* | 7.5% | 2.3% | -$627 | n/a |
| 12116Maryland | $215,000 | $1,300* | 7.2% | 2.8% | -$651 | n/a |
| 13843Gilbertsville | $184,000 | $1,070* | 7.0% | 2.1% | -$671 | n/a |
| 13315Burlington Flats | $205,000 | $1,190* | 7.0% | 2.6% | -$652 | n/a |
| 13796Laurens | $216,000 | $1,220* | 6.8% | 2.0% | -$800 | n/a |
| 13808Morris | $191,000 | $1,070* | 6.7% | 2.0% | -$713 | n/a |
| 13326Cooperstown | $409,000 | $2,200 | 6.5% | 3.0% | -$1,183 | n/a |
| 13335Edmeston | $199,000 | $1,070* | 6.5% | 2.1% | -$718 | n/a |
| 13468Springfield Center | $234,000 | $1,250* | 6.4% | 2.0% | -$872 | n/a |
| 13861West Oneonta | $226,000 | $1,190* | 6.3% | 1.1% | -$1,002 | n/a |
| 13810Mount Vision | $216,000 | $1,070* | 6.0% | 1.7% | -$864 | n/a |
| 13825Otego | $229,000 | $1,110* | 5.8% | 1.8% | -$898 | n/a |
| 13337Fly Creek | $331,000 | $1,560* | 5.7% | 2.1% | -$1,191 | n/a |
| 13348Hartwick | $248,000 | $1,140* | 5.5% | 1.0% | -$1,121 | n/a |
| 13807Milford | $243,000 | $1,070* | 5.3% | 1.1% | -$1,090 | n/a |
* HUD Fair Market Rent, 2 bedroom, where Zillow publishes no rent index. Conservative.
Trends
Five years to August 2026
- Price, 12 months
- +4.8%
- Rent, 12 months
- +5.4%
- Rent minus price growth
- +0.6 pts
- Property tax
- 1.70%
- effective rate, ACS 2024
Show the numbers
| Month | Typical value | Rent |
|---|---|---|
| Aug 2021 | $175,205 | n/a |
| Aug 2022 | $194,458 | n/a |
| Aug 2023 | $200,886 | n/a |
| Aug 2024 | $212,505 | $1,507 |
| Aug 2025 | $211,009 | $1,564 |
| Aug 2026 | $221,157 | $1,648 |
HUD Fair Market Rent
FY2027, Otsego County, NY
| Bedrooms | Studio | 1 bed | 2 bed | 3 bed | 4 bed |
|---|---|---|---|---|---|
| Fair Market Rent | $860 | $961 | $1,235 | $1,472 | $1,653 |
The 40th percentile gross rent for a standard unit, set by HUD each October and used for Section 8 payment standards. It runs below market rent; Zillow's index is shown above where it exists.
Supply
- Permits per 1,000 households
- 5.0
- 117 units, last 12 months
- National percentile
- 48th
- among US counties
Tools
Test a listing in Otsego County against today's rate.
Open the calculatorPart of the Oneonta, NY metro.
Questions
- Is Otsego County good for rental property?
- The typical home here runs -$429 a month at 7.78% with 25% down, breaking even at about 3.7%. 0 of 2 ZIP codes with full Zillow data in this county are cash-flow positive; the median gross yield is 7.5%. The figures use a typical home, 7.78% with 25% down and default costs shown on each ZIP page. They describe the market, not any one property.
- What is the property tax rate in Otsego County?
- About 1.70% of value, from Census ACS median taxes paid over median home value. On a $221,000 home that is about $3,755 a year.
- What is Fair Market Rent in Otsego County?
- HUD's FY2027 Fair Market Rent here is $961 for a 1-bedroom, $1,235 for a 2-bedroom and $1,472 for a 3-bedroom. Typical cash flow at today's rate is -$429 a month.
Sources and method
- Zillow Home Value Index (ZHVI), mid tier, smoothed and seasonally adjusted
Zillow Research. Read: 2026-08.
Typical home value by ZIP, county, metro and state, and the price trend.
- Zillow Observed Rent Index (ZORI), all homes plus multifamily, smoothed
Zillow Research. Read: 2026-08.
Typical market rent by ZIP, county and metro, and the rent trend (tier A pages).
- HUD Small Area Fair Market Rents, FY2026
US Department of Housing and Urban Development. Read: FY2026.
Rent by bedroom count for every ZIP. The rent used on tier B pages, and a reference on all pages. It is the 40th percentile gross rent, so it runs below market.
- HUD Fair Market Rents by county, FY2027
US Department of Housing and Urban Development. Read: FY2027.
County rent by bedroom count on county pages.
- American Community Survey 5-year estimates, 2020 to 2024 (B25103 median real estate taxes paid, B25077 median home value, B11001 households)
US Census Bureau. Read: 2020 to 2024.
Effective property tax rate (median taxes paid divided by median value) by ZIP code tabulation area, county and state; households for the permits ratio.
- Freddie Mac Primary Mortgage Market Survey, 30-year fixed (FRED series MORTGAGE30US)
Freddie Mac via the Federal Reserve Bank of St. Louis. Read: 2026-09-24.
The weekly 30-year rate. The site adds a disclosed investor premium to it for the loan payment.
- Building Permits Survey, county monthly files
US Census Bureau. Read: 2025-09 to 2026-08.
New housing units permitted in the last 12 months per 1,000 households, a supply-pressure signal.
Data: Zillow Research (ZHVI, ZORI), HUD, US Census Bureau, Freddie Mac. Every formula is on the methodology page.
Estimates from public data for a typical property. Not investment, tax or legal advice. Your property, financing and costs will differ.