Oneonta, NY Cost Of Living

Demographics | Cost Of Living
Updated: 2025-10-24

Cost Of Living In Oneonta, NY Summary

Cost of living in Oneonta research summary. The cost of living index is set to 100 for the average place in the United States. A cost of living index above 100 means Oneonta is expensive. An index value below 100 means the city is a relatively cheap place to live.

On a city-by-city basis in New York, home prices and rent have the biggest impact on the cost of living. Here are the key takeaways based on Saturday Night Science:

  • The cost of living index in Oneonta is 101, with 100 being the average.

  • The cost of living index in Oneonta is 1.0x higher than the national average.

  • Oneonta ranks as the #89 cheapest in New York out of 341.

  • Oneonta ranks as the #2,735 cheapest out of 6,489 in the US.

  • The median home value in Oneonta is $237,086.

  • The median income in Oneonta is $65,031.

Table Of Contents

  1. Summary
  2. National Comparison
  3. Housing Breakdown
  4. Detailed Pricing
  5. Nearby Comparisons
101
Oneonta's Overall Cost Of Living
1.0x
Higher Than The National Average

What is the cost of living in Oneonta, NY?

According to the most recent data on the cost of living, Oneonta has an overall cost of living index of 101, which is 1.0x higher than the national index of 100.

Compared to New York, Oneonta has a cost of living index that's 0.8x lower than New York's index of 119.

The standard of living in Oneonta ranks as #89 most affordable out of the 341 places we measured in New York. By definition, that implies Oneonta ranks as the #252 most expensive place in the Empire State.

For more reading on life in Oneonta, check out:

89 out of 341
In New York
2,735 out of 6,489
In America

Oneonta Cost Of Living Vs. New York

Six factors go into calculating the cost of living index in Oneonta. Here is how it fairs on each of the criteria:

  • The Services index in Oneonta is 114.

  • The Groceries index in Oneonta is 98.

  • The Health index in Oneonta is 105.

  • The Housing index in Oneonta is 88.

  • The Transportation index in Oneonta is 110.

  • The Utilities index in Oneonta is 108.

Living Expense Oneonta New York National Average
Overall 101 119 100
Services 114 110 100
Groceries 98 103 100
Health 105 101 100
Housing 88 145 100
Transportation 110 105 100
Utilities 108 99 100
For more reading on cost of living around New York, check out:
Oneonta Cost of Living Vs. NY

Oneonta, NY Housing Cost Breakdown

Housing swings affordability the most between places in New York, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2019-2023. The key points are:

  • The Median Home Value in Oneonta is $237,086.

  • The Median Rent in Oneonta is $986.

  • The Median Income in Oneonta is $65,031.

  • The Home Value To Income in Oneonta is 3.6x.

  • The Rent To Monthly Income in Oneonta is 0.18x.

Statistic Oneonta New York United States
Median Home Value $237,086 $508,764 $303,400
Median Rent $986 $1,576 $1,348
Median Income $65,031 $84,578 $78,538
Home Value To Income 3.6x 6.0x 3.9x
Rent To Monthly Income 0.18x 0.22x 0.21x
$237,086
Median Home Value
$986
Median Rent
$65,031
Median Income

Oneonta, NY Costs By Category

Detailed Oneonta Services Costs Vs. New York

Item Oneonta New York
Shampoo $1.17 $1.28
Movie $11.17 $12.13
Bowling $14.33 $18
Haircut $15.89 $24.26
Beauty Salon $39.0 $45.56

Detailed Oneonta Groceries Costs Vs. New York

Item Oneonta New York
Ground Beef $5.84 $5.84
Fried Chicken $1.51 $1.57
Milk $4.8 $4.67
Potatoes $5.11 $4.93
Pizza $12.75 $12.09
Beer $10.36 $10.41
Toothpaste $3.67 $3.7

Detailed Oneonta Health Costs Vs. New York

Item Oneonta New York
Optometrist $111.0 $125.68
Doctor $143.15 $135.78
Dentist $118.67 $113.29

Detailed Oneonta Transportation Costs Vs. New York

Item Oneonta New York
Gasoline $3.64 $3.46
Tire Balancing $70.72 $59.92

Detailed Oneonta Utilities Costs Vs. New York

Item Oneonta New York
All Electricity $215.23 $193.99
Phone $194.79 $192.25

Oneonta SnackAbility

7
/10
Overall SnackAbility
Jobs
7/10
Housing
7
Affordability
8
Diversity
7
Safety
N/A
Amenities
9
Education
8.5
Commute
10

Cost Of Living In Cities Around Oneonta

The cost of living varies in the cities and towns around Oneonta. Here's a quick look at the cost of living in the most populous nearby places:

  • Utica, NY has a cost of living index of 97, 1.0x Oneonta.

  • Binghamton, NY has a cost of living index of 87, 0.9x Oneonta.

  • Ilion, NY has a cost of living index of 93, 0.9x Oneonta.

City Population Cost Of Living Vs. Oneonta
Utica, NY 64,440 97 1.0x
Binghamton, NY 47,357 87 0.9x
Ilion, NY 7,636 93 0.9x
Herkimer, NY 7,335 95 0.9x
Norwich, NY 6,880 95 0.9x

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