RentalCalcs
ToolsMarket MapMy DealsPricingBlog
RentalCalcs

Professional real estate investment calculators to help you analyze deals faster and make confident investment decisions.

Product

  • Tools
  • Market Map
  • Pricing
  • Blog
  • About

Top Markets

  • Harris County, TX
  • Maricopa County, AZ
  • San Diego County, CA
  • Miami-Dade County, FL
  • Dallas County, TX
  • Clark County, NV
  • Browse All Markets →

Legal

  • Terms of Service
  • Privacy Policy
  • Contact

© 2026 RentalCalcs. All rights reserved.

Market MapOneonta, NY
Metropolitan Area

Oneonta, NY

New York0
71
/100
Buy
#164 of 894 metros
Top 18% nationally for investing

Market Snapshot

$201,691
Median Home Price
17% below national median
$1,694/mo
Median Rent
22% above national median
10.08%
Rent-to-Price Ratio
Top 1% nationally
+$44
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$201,691
Down Payment (20%)$40,338
Loan Amount$161,353
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,694
Monthly P&I-$1,057
Est. Expenses (35%)-$593
Net Cash Flow+$44/mo
6.5%
Cap Rate (all cash)
1.1%
Cash-on-Cash Return
10.08%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 6.5% cap rate. All-cash buyers may see better returns.

* Based on metro-wide median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Individual counties and properties vary significantly.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
71/100
71
Cash Flow(30%)
100/100

Based on 10.08% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
45/100

Based on -1.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Based on 0.0% population growth. Growing areas indicate economic stability.

Affordability(20%)
87/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow metro-level home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. This metro score represents area-wide averages; individual counties may vary significantly.

Investment Outlook

Strengths

  • +Above-average rent-to-price ratio (10.08%)
  • +Affordable relative to local incomes
  • +Low unemployment (0.0%)

Challenges

  • -Declining home values (-1.0% YoY)
  • -Negative leverage (cap rate 6.6% < mortgage rate 6.9%)

Counties in Oneonta, NY

County data is being compiled for this metro area.

Compare to Similar Metros

Metro AreaVerdict
Decatur, IL
Decatur, IL
85$118,242$1,02110.36%Strong BuyView
Connersville, IN
Connersville, IN
82$158,083Est.Strong BuyView
Paducah, KY
Paducah, KY
82$165,710$1,2919.35%Strong BuyView
Indiana, PA
Indiana, PA
82$158,790$1,37610.40%Strong BuyView
Enid, OK
Enid, OK
81$137,435$1,0769.39%Strong BuyView
Current
Oneonta, NY
71$201,691$1,69410.08%Buy

The Bottom Line

BuyOneonta, NY offers solid investment potential with good cash flow or appreciation prospects.

The Oneonta, NY metro area scores 71/100, ranking #164 of 894 US metros (top 18%). The 10.08% rent-to-price ratio exceeds the 1% rule target, suggesting strong cash flow potential across the metro. At current rates with 20% down, a median-priced property could generate approximately $44/month in cash flow.

Monthly Cash Flow
+$44/mo
Cap Rate
6.6%
Cash-on-Cash
1.3%

Ready to Invest in Oneonta, NY?

Use our investment calculators to run detailed numbers on specific properties, or explore individual counties for more targeted opportunities.

Single Family1-4 unit rentalsHouse HackOwner-occupiedMultifamily5+ unit properties
Explore Other Markets