HomeNew YorkOtsego CountyOneonta
Oneonta, New York: commercial real estate data.
Oneonta is a Census city of 15,045 people across 4.36 square miles of land, in Otsego County. Median household income is $61,111, 46.0 percent of occupied homes are owned, and the SBA record carries 20 7(a) approvals to borrowers here worth $8.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Oneonta
What Oneonta is
- Census place typecity
- Land area4.36 sq mi
- Water area0 sq mi
- Population per square mile of land3,450
- County holding the largest share of its areaOtsego County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oneonta
How many people live in Oneonta
- Population15,045
- Median age23.1
- Population under 181,406
- Share under 189.3 percent
- Population 65 and over2,121
- Share 65 and over14.1 percent
- Households5,319
- Family households2,646
- Share of households that are families49.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oneonta
Income and work in Oneonta
- Median household income$61,111
- Per capita income$28,009
- Civilian labor force6,739
- Employed6,311
- Unemployed428 plus or minus 276
- Unemployment rate6.4 percent plus or minus 4.1
- Adults 25 and over7,016
- Adults 25 and over with a high school diploma or higher95.0 percent
- Adults 25 and over with a bachelor degree or higher47.4 percent
- Adults 25 and over with a graduate degree22.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oneonta
Housing in Oneonta
- Housing units6,436
- Occupied units5,319
- Vacant units1,117
- Vacancy rate17.4 percent
- Owner occupied2,447
- Renter occupied2,872
- Ownership rate46.0 percent
- Median owner-occupied home value$184,100
- Median gross rent, monthly$1,021
- Annual rent as a share of median income20.0 percent
- Single family units2,636
- Share single family41.0 percent
- Units in buildings of two or more3,800
- Share in buildings of two or more59.0 percent
- Mobile homes0
- Median year structure built1938
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oneonta
How Oneonta gets to work
- Workers 16 and over who commute5,512
- Commuting under 15 minutes3,665
- Share commuting under 15 minutes66.5 percent
- Commuting 30 minutes or more936 plus or minus 241
- Share commuting 30 minutes or more17.0 percent plus or minus 4.1
- Drove alone65.8 percent
- Carpooled4.4 percent plus or minus 2.3
- Public transport2.1 percent plus or minus 1.6
- Walked16.9 percent
- Worked from home10.2 percent plus or minus 4.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oneonta
SBA loans in Oneonta (7(a))
- Approvals20
- Gross approval$8,273,400
- Average approval$413,670
- Median approval$315,000
- Ninetieth percentile approval$958,400
- Largest approval$1,636,000
- Jobs supported247
- Jobs per approval12.3
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more25.0 percent
- Share to franchises0.0 percent
- Distinct lenders8
- Distinct industries by NAICS13
Counted by borrower city: approvals to borrowers whose address is in Oneonta, in any county, FY2020 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Oneonta
SBA loans in Oneonta (504)
- Approvals5
- Gross approval$4,300,000
- Average approval$860,000
- Median approval$896,000
- Largest approval$1,736,000
- Jobs supported37
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Oneonta, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Oneonta
Flood risk in Oneonta
- NFIP communityCity of Oneonta
- NFIP community number360667
- Participating in the NFIPYes
- Community Rating System classClass 10
- Currently effective map date03/21/17
The City of Oneonta participates in the National Flood Insurance Program as community 360667 and carries Community Rating System class 10, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Otsego County, not Oneonta
Otsego County context, not Oneonta figures
- Establishments in Otsego County1,295
- Covered employment, Otsego County22,197
- Average annual pay, Otsego County$60,346
- Housing units permitted, Otsego County123
Every figure in this section is published for Otsego County as a whole and is not a measurement of Oneonta.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Oneonta questions, answered from the record.
How many people live in Oneonta, New York?
15,045, in 5,319 households. Oneonta city covers 4.36 square miles of land, which is 3,450 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Oneonta in?
Otsego County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Oneonta?
$61,111. The median owner-occupied home is valued at $184,100. Median gross rent is $1,021 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Oneonta businesses?
20 7(a) approvals totaling $8.3 m since FY2020, across 8 lenders, median approval $315,000, plus 5 504 approvals worth $4.3 m since FY2010. These count approvals to borrowers whose address is in Oneonta, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Oneonta borrowers get paid back?
No rate is published for Oneonta. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Oneonta in the National Flood Insurance Program?
Yes. Oneonta appears in the FEMA Community Status Book as Oneonta, city of, community 360667, carrying Community Rating System class 10, which is a premium discount for exceeding the program minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Oneonta figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Otsego County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Oneonta.
Is zoning published for Oneonta?
No. Nothing on this page presents parcel level zoning.