Otsego ZIP codes — Otsego County, New York

Otsego County is a small city in New York, with 59,738 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates. The median age here is 40.4 years against 39.1 nationally, a slightly older profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in Otsego County earn a median of $67,086 a year, 14.6% below the national figure of $78,538. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 14.1% of residents here, above the 12.4% national rate.

The typical owner-occupied home in Otsego County is valued at $175,900, 42% below the national figure, while median gross rent runs $942 a month, 33% below the national figure, or roughly $11,304 across a full year. A household on the local median income would put about 16.9% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 2.6×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 74.3% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.