HomeNew YorkOtsego CountyOneonta city
Oneonta city, New York: commercial real estate data.
Oneonta city 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.
81 sourced place values · tier FULL · 9 sections · 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$350,000
- Ninetieth percentile approval$1,304,000
- 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
A charge-off rate is not published here. only 2 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
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
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Oneonta
Flood risk in Oneonta
- Listed NFIP communities2
- Of those, participating2
- Best Community Rating System classClass 10
- NFIP community number361275
- Currently effective map date03/21/17
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Otsego County, not Oneonta
Otsego County context, not Oneonta figures
These are Otsego County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Oneonta measurements.
- Establishments in Otsego County1,295
- Employment at those establishments, Otsego County18,030
- Covered employment, Otsego County22,197
- Average annual pay, Otsego County$60,346
- Average weekly wage, Otsego County$1,160
- Housing units permitted, Otsego County123
- Of those, single family, Otsego County123
- County product, 2024, Otsego County$3,518,319,000
- County product change over the prior year, Otsego County6.7 percent
- Average income of an arriving household, Otsego County$68,717
Every figure in this section is published for Otsego County as a whole and is not a measurement of Oneonta. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $8.3 m, across 8 lenders, median approval $350,000, plus 5 504 approvals worth $4.3 m. 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 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Oneonta in the National Flood Insurance Program?
Yes. Oneonta appears in the FEMA Community Status Book as community 361275, carrying Community Rating System class 10, which is a premium discount for exceeding the programme 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 labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.