ZIP Code · NY

ZIP 13820

Part of Oneonta, NY

Pop. 23,056·Otsego County·222nd most expensive ZIP in New York

Median rent (all units)

$2,107/mo

Year-over-Year

Stable

Month-over-Month

+1.4%

vs US Median

+$175

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 13820 · $2,107

More expensive than 67% of US ZIP codes · National median $1,932/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: October 17, 2026

From the history

What the numbers show

What a typical income covers

30% of the median household income ($65,953) is $1,649 a month. That covers HUD's Fair Market Rent for up to a 3-bedroom ($1,530); a 4-bedroom is $1,680.

From Zillow's monthly rent index (ZORI) for ZIP 13820. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$25,284/yr

At $2,107/mo median

Location

CityOneonta

StateNY

CountyOtsego County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (0.0% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+0.0% YoY, +1.4% 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

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About renting in ZIP 13820

Last updated: October 17, 2026

ZIP code 13820 covers Oneonta, NY. The median rent here is $2,107/mo as of October 2026. A 1-bedroom rents for a median of $1,000/mo. A 2-bedroom rents for a median of $1,260/mo.

At 38% of local median household income ($65,953/yr), ZIP 13820 ranks as moderate compared to the national benchmark of 30%. Rent prices have stayed steady over the past year.

FAQ

Frequently asked questions

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 $84,000/year (about $40/hour full-time) to afford the median rent of $2,107/mo in ZIP 13820. The local median household income is $65,953/yr, so the typical household falls short of that bar.