ZIP Code Market Report
13820 — Oneonta, NY
Data through February 2026 · Updated monthly
Avg Home Value
$208,185
▼ 0.7% year-over-year
Month-over-Month
-0.9%
▼ 0.9%
Single Family
$206,060
Condo / Co-op
--
The average home value in the 13820 ZIP code (Oneonta, New York) is $208,185 as of February 2026. Home prices are stable, down 0.7% compared to last year.
A 3-bedroom home in 13820 is valued at $200,812. 1-bedroom units start around $139,946.
The market in 13820 has a $174,470 spread between bottom-tier homes at $140,080 and top-tier homes at $314,551. Bottom-tier properties represent the primary opportunity range for real estate investors using the 70% rule, fix-and-flip, or BRRRR strategies.
Looking ahead, Zillow's forecast model projects home values in the 13820 ZIP code will increase 1.2% over the next 12 months, bringing the projected average to approximately $210,684. This modest projected change should be factored into any investment analysis for properties in this area.
This report is part of the Otsego County market area in New York. For a broader view of the housing market including rent data, market activity, and affordability analysis, see the full Otsego County report.
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Market Snapshot
13820 Housing Market at a Glance
Key metrics for the last 3 months with trend direction.
| Metric | Dec 2025 | Jan 2026 | Feb 2026 | 3-Mo Change |
|---|---|---|---|---|
| Avg Home Value | $212,384 | $210,022 | $208,185 | ▼ 2.0% |
| Single Family Value | $207,060 | $206,436 | $206,060 | ▼ 0.5% |
Home Values
13820 Home Value Trend
Historical home values for ZIP code 13820. Switch between All Homes, Single Family, Bottom Tier, and Top Tier.
Source: Zillow Research ZHVI / ZORI · Updated monthly
By Bedroom
What Homes Cost in 13820
Median home values by bedroom count in this ZIP code.
| Bedrooms | Median Value |
|---|---|
| 1 Bedroom | $139,946 |
| 2 Bedrooms | $172,824 |
| 3 Bedrooms | $200,812 |
| 4 Bedrooms | $236,132 |
Property Types
Home Values by Property Type in 13820
How different property types compare in this ZIP code.
All Homes
$208,185
Single Family
$206,060
Bottom Tier
$140,080
Top Tier
$314,551
Forecast
12-Month Home Value Forecast for 13820
Zillow projects home values in 13820 will increase 1.2% over the next year, reaching approximately $210,684.
Current Value
$208,185
Projected Change
+1.2%
▲ 1.2%
Projected Value
$210,684
Source: Zillow Home Value Forecast (ZHVF). Forecasts are not guarantees.
Data Sources and Methodology
Home value data for ZIP code 13820 comes from the Zillow Home Value Index (ZHVI), updated monthly. ZHVI measures the typical home value using Zillow's automated valuation model, smoothed and seasonally adjusted.
This report was last updated February 2026. Data is refreshed on the 17th of each month.
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