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ZIP Code · NY

ZIP 13820

Part of Oneonta, NY
Pop. 23,056·Otsego County·277th most expensive ZIP in New York
Median rent (all units)
$1,546/mo
Year-over-Year
Stable
Month-over-Month
+7.9%
vs US Median
-$419
Rising (Monthly)
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Most AffordableMost Expensive
ZIP 13820 · $1,546
More affordable than 70% of US ZIP codes · National median $1,965/mo
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Medians by bedroom

Rent by unit size

Studio
$880
1 BR
$1,000
2 BR
$1,260
3 BR
$1,530
4 BR+
$1,680
Research median
$1,260/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: July 20, 2026

Annual cost
$18,552/yr
At $1,546/mo median
Location
StateNY
CountyOtsego County
Rent Market Meter
Strong Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are up 0.0% year-over-year. Expect competition, and move quickly to lock in terms.
Based on rent-price momentum (+0.0% YoY, +7.9% MoM), not inventory.
Demographics

Who lives here

ZIP 13820 (Oneonta, NY) is majority owner-occupied, skews toward younger working-age adults, has a median income below the national average, 41.1% of residents hold a bachelor's degree or higher.

Population
23,056
Median income
$65,953
Median age
31.8
Renters
41%
Age distribution
43%
17.1%
18.7%
Under 1810.8%
18–3443%
35–5417.1%
55–6410.4%
65+18.7%
Gender
48.7%
51.3%
Male48.7%
Female51.3%
Race & ethnicity
84%
White84%
Black5%
Hispanic7.1%
Asian1.9%
Other2%
Education (25+)
25.7%
26.4%
41.1%
No HS diploma6.9%
HS diploma25.7%
Some college26.4%
Bachelor's+41.1%
Housing tenure
59%
41%
Owner59%
Renter41%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 13820 in Oneonta, NY has changed in 5 years

Income
$59,604 → $65,953
up 10.7%
Population
21,242 → 23,056
up 8.5%
Renter share
36.5% → 41%
+4.5 pts
Bachelor's+
37.8% → 41.1%
+3.3 pts

Median household income grew from $59,604 to $65,953 between 2021 and 2024, a 10.7% shift. Headcount in the area went from 21,242 to 23,056 between 2021 and 2024, a 8.5% change. About 41% of households rent today, against 36.5% in 2021. Educational attainment has shifted as well, with the share of adults holding a bachelor's degree or higher climbed from 37.8% to 41.1%.

Community

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Local insights

Tips for renters in ZIP 13820

About renting in ZIP 13820

Last updated: July 20, 2026

ZIP code 13820 covers Oneonta, NY. The median rent here is $1,546/mo as of July 2026. A 1-bedroom rents for a median of $1,000/mo. A 2-bedroom rents for a median of $1,260/mo.

At 28% of local median household income ($65,953/yr), ZIP 13820 ranks as affordable compared to the national benchmark of 30%. Rent prices have stayed steady over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 13820?

As of July 20, 2026, the median monthly rent in ZIP 13820 (Oneonta, NY) is $1,546. This is based on aggregated data from public sources and community submissions.

How does ZIP 13820 rent compare to the US average?

ZIP 13820's median rent of $1,546/mo is $419 (21%) below the US national median of $1,965/mo.

How does ZIP 13820 compare to other ZIPs in New York?

ZIP 13820 is among the more affordable ZIP codes in New York, ranking #277 out of 344 ZIPs at $1,546/mo.

How much income do you need to rent in ZIP 13820?

To keep rent at or below 30% of gross income, you would need to earn at least $62,000/year (~$30/hour full-time) to afford the median rent of $1,546/mo in ZIP 13820. The local median household income is $65,953/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 13820?

Rent in ZIP 13820 has been relatively stable over the past year, with a 0.0% change year over year as of July 20, 2026.

Is ZIP 13820 an affordable place to rent?

ZIP 13820 is considered affordable for renters. At $1,546/mo, rent takes approximately 28% of the local median household income ($65,953/yr). The standard benchmark is 30%. ZIP 13820 falls comfortably within that range.

What percentage of ZIP 13820 residents rent vs. own?

According to Census data, approximately 41% of ZIP 13820 households are renters, while 59% are owner-occupied. ZIP 13820 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 13820 compare to the rest of Oneonta?

ZIP 13820 is more affordable than Oneonta overall. At $1,546/mo, it's $8 below the Oneonta citywide median of $1,554/mo.

When was rent data for ZIP 13820 last updated?

Rent data for ZIP 13820 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
28%
AFFORDABLE

At $1,546/mo, rent takes ~28% of ZIP 13820's median household income ($65,953/yr). The standard benchmark is 30%.

ZIP 13820 28%Benchmark 30%
State income tax4–10.9%
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Schools nearby

Public schools near ZIP 13820 (Oneonta, NY)

Recent submissions

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