Mount Upton, New York.
. Oneonta, NY metro.
to buy the typical home at today's mortgage rate — +$1,478 (+116%) since Jan 2020.
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.
- New York$2,755
- United States$1,922
Living in Mount Upton, Otsego County, New York
The Census does not count Mount Upton on its own, so the figures here are Otsego County's. Half the county's households earn more than $68,885 a year and half less; 12% of the county's people live below the poverty line. 74% of the county's homes are lived in by their owners and 26% are rented. Unemployment in Otsego County was 4.4% in August 2026, and the county had 2.0% more jobs in 2025 than the year before. The most people in Otsego County work in schools and health care, then shops.
Written by AI Claude Haiku 5.5 wrote this on 22 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Mount Upton sits in Otsego County in upstate New York, where the typical resident is middle-aged and most homes are lived in by their owners rather than rented. Winters are cold and snowy, with the coldest weather in January and the warmest in July, and rain and melted snow fall steadily through the year.
Work. Many residents work in schools, hospitals and social care, in shops, in restaurants, hotels and entertainment, or in manufacturing. Across the county, jobs grew slightly over the past year and unemployment edged lower over the same period. A modest share of workers do their jobs from home, and the typical trip to work is brief.
Things to do. Butternut Creek runs in or beside the town itself, so a river is close at hand. Buck Horn Lake, a reservoir, lies a short drive away, and Oquaga Creek State Park, a protected area, is a longer drive off.
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- 23,189households
- 39.9median age
- 34%of adults have a degree
- 12%below the poverty line
- 23 mintypical commute
- 12%work from home
What people in Otsego County work in
Employed residents by industry, from the Census survey. Otsego County had 22,645 jobs in 2025, 2.0% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 32° and lows near 12°; warmest in July, with highs near 81° and lows near 57°. About 75 inches of snow and 45 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Norwich weather station, 10 miles away (NOAA).
Largest workplaces in Otsego County
- SUNY OneontaUniversity or college1,126
- Springbrook401
- Aurelia Osborn Fox Memorial HospitalGeneral hospital382FTE
- Hartwick CollegeUniversity or college366
- WalmartWarehouse clubs and supercenters348
- Oneonta City School DistrictSchool district295FTE
- Corning Inc - OneontaBottles, plastics, manufacturing205
- AvangridDistribution of electric power187
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 49 workplaces with 20 or more staff, 3,838 people in all. Colleges come from IPEDS (NCES, 2023–24), hospitals from their Medicare cost reports (CMS, 2023) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Inland floodingRelatively moderate
- Cold wavesRelatively moderate
- Winter weatherRelatively moderate
- Strong windRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Otsego County, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Otsego County and the Oneonta, NY metro.
Mount Upton home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
Not enough data to draw this yet.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
Not enough data to draw this yet.
Zip codes with a Mount Upton address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Mount Upton — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.