Otsego County, New York
Income Data
At a Glance
How Otsego County Compares
Detailed Income Statistics
Data Story
About Household Income in Otsego County, New York
Otsego earnings trail the nation
Otsego County's median household income of $67,086 falls 10.3% below the national median of $74,755. Households earn roughly $7,669 less annually than typical American families, placing Otsego in the lower-earning category nationally.
Below New York's income average
Otsego lags the state median of $76,433 by $9,347, ranking near the bottom of these eight counties. The per capita income of $36,506 trails the state average of $41,133 by $4,627.
Third-lowest locally
Only Orleans and Oswego earn less than Otsego; the county significantly trails Ontario ($79,814) and Onondaga ($74,740). Otsego sits firmly in the region's lower-income tier.
Affordable housing provides stability
Otsego's 16.9% rent-to-income ratio and $175,900 median home value make housing accessible despite modest earnings. The favorable housing burden helps households stretch limited incomes further.
Build steady progress deliberately
Otsego residents should leverage affordable housing to prioritize emergency savings and retirement contributions despite lower earnings. Work with a community financial advisor to develop patient, achievable wealth-building strategies suited to your income level.
Frequently Asked Questions
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Income Comparison Calculator
See how your household income compares in Otsego County
Your income is above the Otsego County median
County median: $67,086 per year
vs. County Median
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vs. State Average
-12%
vs. National Median
-10%
Income Adequacy
Your monthly income ($5,591) vs. median rent ($942/mo). A ratio of 3.3x or higher means rent is under 30% of income.
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Compare RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.