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Oneonta, NY

Cost of living in Otsego County, NY

Estimated monthly cost
$2,976/mo
for a single person, all categories combined

Population 59,738 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $957 32%
Healthcare $480 16%
Federal tax $406 14%
Groceries $404 14%
Transport $320 11%
Energy $208 7%
State tax $146 5%
Water $55 2%

Rent in Otsego County

Fair Market Rents by bedroom count.

Studio
$812
per month
1 bedroom
$957
per month
2 bedroom
$1,184
per month
3 bedroom
$1,426
per month
4 bedroom
$1,570
per month

Source: HUD FMR FY2025

Income and earnings in Otsego County

Annual earnings figures from the Census ACS.

Household income
$67,086
per year
Individual earnings
$34,907
per year
Per capita
$36,506
per year

Source: ACS 2019-2023 5-Year.

Home values in Otsego County

Average values reported by homeowners.

Average home value
$175,900
Annual property tax
$2,911

Source: ACS 2019-2023 5-Year

Energy costs in Otsego County

Estimated monthly electricity and gas costs.

Electricity
$140
per month · 23.4¢/kWh
Natural gas
$68
per month
Annual total
$2,496
per year

Source: EIA

Healthcare in Otsego County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
4.6%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Otsego County

State and local tax rates for New York.

State income tax
10.9%
Top marginal rate
State sales tax
4.0%
Combined sales tax
8.5%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Otsego County

Commute patterns and estimated costs.

Average commute
23.4 min
Drive alone
73.0%
Public transit
0.8%
Work from home
9.5%

Source: ACS

Monthly cost estimates for Otsego County

What it costs to live in Otsego County each month.

Single person
$2,976
per month
  • Rent $957
  • Energy $208
  • Water $55
  • Groceries $404
  • Transport $320
  • Healthcare $480
  • Federal tax $406
  • State tax $146
Couple
$4,514
per month
  • Rent $1,184
  • Energy $250
  • Water $65
  • Groceries $669
  • Transport $420
  • Healthcare $864
  • Federal tax $768
  • State tax $294
Family
$6,961
per month
  • Rent $1,426
  • Energy $312
  • Water $75
  • Groceries $1,016
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $768
  • State tax $294

Frequently asked questions about Otsego County

Common questions about cost of living, rent and salary.

What is the average rent in Otsego County?

In Otsego County, NY, a one-bedroom apartment averages $957 per month, a two-bedroom averages $1,184 per month, a three-bedroom averages $1,426 per month, according to HUD Fair Market Rent data.

What is the average salary in Otsego County?

In Otsego County, NY, the average household income is $67,086 per year and individual earnings for full-time workers average $34,907 per year, according to U.S. Census Bureau data.

What is the cost of living in Otsego County?

The estimated cost of living in Otsego County, NY is approximately $2,976 per month for a single person, $4,514 for a couple, $6,961 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Otsego County?

The combined sales tax rate in Otsego County, NY is 8.52%, which includes the New York state rate of 4.00% plus an average local rate of 4.52%.

Is Otsego County an affordable place to live?

Based on the data, a single person in Otsego County, NY would need approximately $2,976 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $67,086 per year ($5,591 per month). Otsego County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Otsego County?

The ACA marketplace benchmark premium in Otsego County, NY is approximately $480 per month for an individual. Approximately 4.6% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Otsego County?

The average home value in Otsego County, NY is $175,900, with average annual property taxes of $2,911, according to U.S. Census Bureau data.

How does Otsego County compare to other areas?

You can compare Otsego County, NY with any other US county using our comparison tool at /compare. Otsego County is in the Oneonta, NY metro area.

Other counties in New York

Browse the full list of counties in New York, ranked by cost of living.

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Compare Otsego County with another area

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About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources