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 121.
The standard of living in Oneonta ranks as #62 most affordable out of the 336 places we measured in New York. By definition, that implies Oneonta ranks as the #274 most expensive place in the Empire State.
For more reading on life in Oneonta, check out:
Oneonta Cost Of Living Vs. New York
Six factors go into calculating the cost of living index in Oneonta. Here is how it fares on each of the criteria:
The Services index in Oneonta is 107.
The Groceries index in Oneonta is 109.
The Health index in Oneonta is 84.
The Housing index in Oneonta is 113.
The Transportation index in Oneonta is 111.
The Utilities index in Oneonta is 114.
| Living Expense | Oneonta | New York | National Average |
|---|---|---|---|
| Overall | 101 | 121 | 100 |
| Services | 107 | 105 | 100 |
| Groceries | 109 | 108 | 100 |
| Health | 84 | 143 | 100 |
| Housing | 113 | 112 | 100 |
| Transportation | 111 | 114 | 100 |
| Utilities | 114 | 111 | 100 |
Oneonta Cost Of Living Compared To New York Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around New York, check out:
Protect your home budget Compare home warranties in Oneonta Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
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 2020-2024. The key points are:
The Median Home Value in Oneonta is $220,587.
The Median Rent in Oneonta is $1,021.
The Median Income in Oneonta is $61,111.
The Home Value To Income in Oneonta is 3.6x.
The Rent To Monthly Income in Oneonta is 0.2x.
Oneonta, NY Costs By Category
Detailed Oneonta Services costs vs. New York
Detailed Oneonta Groceries costs vs. New York
Detailed Oneonta Health costs vs. New York
Detailed Oneonta Transportation costs vs. New York
Oneonta SnackAbility
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 95, 0.9x Oneonta.
Ilion, NY has a cost of living index of 92, 0.9x Oneonta.
| City | Population | Cost Of Living | Vs. Oneonta |
|---|---|---|---|
| Utica, NY | 64,217 | 97 | 1.0x |
| Binghamton, NY | 47,151 | 95 | 0.9x |
| Ilion, NY | 7,593 | 92 | 0.9x |
| Herkimer, NY | 7,566 | 95 | 0.9x |
| Norwich, NY | 6,782 | 96 | 1.0x |
