12197
Worcester, New York.
Worcester, Otsego County, NY · Oneonta, NY metro · population 2,298
to buy the typical home at today's mortgage rate — +$456 (+82%) since Jan 2020.
- 1 year
- Down $3,298 -2%
- $196,551$193,253 since Sep 2025
- 5 years
- Up $9,913 +5%
- $183,341$193,253 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 12197$1,014
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 66 years.
Typical home values in zip 12197 fell 1.7% over the past year — slower than the nation's +1.2%.
Zillow also publishes an index for the city itself: Worcester, NY — measured over the city limits, which is a different area from this zip.
Typical home value — 12197
Mid-tier homes, smoothed and seasonally adjusted.
- 12197$193,253
- Oneonta$220,097
- United States$366,157
Within 20 miles
Showing 30 of 31 zips in range — sorting picks from all 31.
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 3.4 | 12064 | East Worcester | 342 | — | $123,131 |
| 5.1 | 12155 | Schenevus | 1,685 | — | $187,462 |
| 5.5 | 12036 | Charlotteville | 223 | — | $215,054 |
| 7.8 | 13450 | Roseboom | 143 | — | $195,554 |
| 8.1 | 12149 | Richmondville | 2,038 | — | $243,964 |
| 9.2 | 12175 | Summit | 612 | — | $241,415 |
| 9.3 | 12093 | Jefferson | 1,276 | — | $261,924 |
| 10.7 | 12116 | Maryland | 1,787 | — | $214,771 |
| 10.8 | 13750 | Davenport | 896 | — | $205,931 |
| 11.2 | 13786 | Harpersfield | 430 | — | $254,669 |
| 11.4 | 13320 | Cherry Valley | 1,971 | — | $204,672 |
| 11.8 | 13326 | Cooperstown | 4,586 | $2,200 | $410,964 |
| 12.0 | 12043 | Cobleskill | 8,287 | — | $263,563 |
| 13.2 | 13807 | Milford | 1,218 | — | $243,022 |
| 13.3 | 12187 | Warnerville | 752 | — | $275,945 |
| 13.4 | 13459 | Sharon Springs | 1,888 | — | $230,381 |
| 14.7 | 12194 | West Fulton | 162 | — | $234,564 |
| 14.7 | 12167 | Stamford | 2,279 | — | $239,740 |
| 15.9 | 13842 | South Kortright | 582 | — | $285,772 |
| 16.0 | 12071 | Fultonham | 283 | — | $217,590 |
| 16.3 | 13757 | East Meredith | 1,130 | — | $288,314 |
| 16.3 | 13337 | Fly Creek | 607 | — | $330,367 |
| 17.1 | 13739 | Bloomville | 833 | — | $265,040 |
| 17.9 | 13468 | Springfield Center | 256 | — | $234,059 |
| 18.3 | 13788 | Hobart | 997 | — | $245,239 |
| 18.3 | 13348 | Hartwick | 1,409 | — | $248,706 |
| 18.4 | 13317 | Canajoharie | 3,888 | — | $186,242 |
| 18.5 | 12092 | Howes Cave | 1,208 | — | $241,312 |
| 18.5 | 13820 | Oneonta | 23,056 | $2,107 | $226,853 |
| 19.6 | 13810 | Mount Vision | 1,090 | — | $212,580 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.