Otego, 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 Otego, Otsego County, New York
Otego is a village of 875 people in Otsego County. Half its households earn more than $78,804 a year and half less, against $68,885 across Otsego County; 7% of its people live below the poverty line. 70% of its homes are lived in by their owners and 30% 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 Sonnet 5.5 wrote this on 23 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 It can be wrong or out of date.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. Otego is a small village in Otsego County, New York, home to far fewer people than the larger towns around it. Most homes are lived in by their owners, and household incomes run higher than across the county as a whole, with a lower share of people living below the poverty line than many places. Winters are cold and snowy, summers are warm, and precipitation falls steadily through the year.
Work. Residents work mostly in schools, hospitals and social care, with shops, restaurants and hotels, and manufacturing also providing jobs. Across Otsego County, some of the largest workplaces are SUNY Oneonta, Aurelia Osborn FOX Memorial Hospital and Hartwick College. Unemployment across the county is close to where it stood a year ago, the number of jobs has grown a little, and the typical commute is a short one.
Things to do. Streams run in and beside the village, including Otsdawa Creek and Flax Island Creek, and East Sidney Lake, a reservoir, is a short drive away. A longer drive leads to Otsego Lake, and to the National Baseball Hall of Fame and Museum, one of the best known museums in the country.
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- 392households
- 34%of adults have a degree
- 7%below the poverty line
- 20 mintypical commute
- 7%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 11°; warmest in July, with highs near 82° and lows near 57°. About 45 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the East Sidney weather station, 5 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 across the county; Otego has none of its own. 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 high
- Cold wavesRelatively high
- 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 in Otego’s census tracts, against the rest of the country; all of them together, relatively moderate. 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.
Otego 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.
- Otego14
New listings per month
Sellers arriving at the market.
Not enough data to draw this yet.
Zip codes with a Otego address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Otego — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.