New York
Otsego County
59,738 residents126 permits TTM$67,086 median HHI35 ZIP codesUpdated April 28, 2026
Investor first look
Median home value
$175,900
ACS 5-Year
Cap rate proxy
6.4%
FMR × 0.65 ÷ Home Value
Rent-to-income
16.9%
HUD FMR ÷ ACS HHI
Net migration
+1.26%
IRS SOI
Permits (TTM)
126
Census BPS
Climate risk
75.8
FEMA NRI (0–100)
ZIP code breakdown35 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate | Rent gap |
|---|---|---|---|---|---|
| 13411 | — | — | — | 7.6% | — |
| 13809 | — | — | — | 7.2% | — |
| 12064 | — | — | — | 6.4% | — |
| 13849 | — | — | — | 6.6% | — |
| 13843 | — | — | — | 6.5% | — |
Ranked by composite score
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Demographics
Owner-occupied
74.3%
Census ACS
Vacancy rate
24.7%
Census ACS
Bachelor's degree +
33.9%
Census ACS
Rent burdened
40.0%
Census ACS (>30% income)
Median age
40.4
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 28, 2026