Rent in Oneonta, NY
A 2-bedroom in Oneonta, NY (ZIP 13820) typically rents for about $1,107 a month, with a range of $1,107–$1,235. Owner-occupied homes in Otsego County pay about 1.70% of their value a year in property tax, and the 30-year fixed mortgage rate averaged 7.24% in the week of Oct 29, 2026.
Rent by bedrooms
| Size | Typical | Range across ZIPs | ZIPs |
|---|---|---|---|
| Studio | $860 | $860 | 1 |
| 1 bed | $909 | $909–$961 | 1 |
| 2 beds | $1,107 | $1,107–$1,235 | 1 |
| 3 beds | $1,210 | $1,210–$1,472 | 1 |
| 4 beds | $1,653 | $1,653 | 1 |
Typical = median of each ZIP's best guess. Gross rent (rent plus tenant-paid utilities). Sources: Census ACS 5-year median gross rent (Dec 31, 2024) and HUD county Fair Market Rents (Oct 1, 2026).
Oneonta ZIP codes
2 bedsFrequently asked questions
- What is the average rent for a 2-bedroom in Oneonta, NY?
- About $1,107 a month: the median of the typical rents in 1 ZIP code, which range from $1,107–$1,235. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a 1-bedroom in Oneonta, NY?
- About $909 a month: the median of the typical rents in 1 ZIP code, which range from $909–$961. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a 3-bedroom in Oneonta, NY?
- About $1,210 a month: the median of the typical rents in 1 ZIP code, which range from $1,210–$1,472. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a studio in Oneonta, NY?
- About $860 a month: the median of the typical rents in 1 ZIP code, which range from $860. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a 4-bedroom in Oneonta, NY?
- About $1,653 a month: the median of the typical rents in 1 ZIP code, which range from $1,653. Figures are gross rent (rent plus tenant-paid utilities).
- What is the property tax rate in Oneonta, NY?
- Owner-occupied homes in Otsego County pay a typical 1.70% of their value a year (Census ACS, median taxes paid ÷ median home value, Dec 31, 2024). Investors often pay more after a purchase: the home is reassessed at the sale price and there is no homestead exemption.
- What is the current 30-year mortgage rate?
- The 30-year fixed rate averaged 7.24% in the week of Oct 29, 2026 (Freddie Mac PMMS via FRED). It's a national average for owner-occupied loans; investment property loans usually cost more.
- Where do these Oneonta rent figures come from?
- Census ACS 5-year median gross rent (Dec 31, 2024) and HUD county Fair Market Rents (Oct 1, 2026).