Otsego County, New York

Income Data

-12% vs. New York average
$67,086
Median Household Income
$36,506
Per Capita Income

At a Glance

Median Household Income
$67,086
-12% vs. state avg
Per Capita Income
$36,506
-7% vs. national
Income-to-Housing Ratio
38.1%
income as % of home value
Rank in New York
#44 / 62
by median household income

How Otsego County Compares

Otsego County$67,086
New York Average$76,433
National Median$74,755

Detailed Income Statistics

$67,086
Median Household Income
$36,506
Per Capita Income
$175,900
Median Home Value
38.1%
Income-to-Housing Ratio

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

What is the median household income in Otsego County, New York?
The median household income in Otsego County, New York is $67,086, according to U.S. Census Bureau American Community Survey 2019-2023 5-Year Estimates. This represents the midpoint of all household incomes in the county.
How much do people earn in Otsego County?
The per capita income in Otsego County is $36,506, which represents the average income per person across the entire county population. The median household income — which accounts for all earners in a household — is $67,086.
How does Otsego County compare to the New York average?
Otsego County's median household income of $67,086 is lower than the New York state average of $76,433. The per capita income is $36,506, compared to the state average of $41,133.
What is the per capita income in Otsego County, New York?
The per capita income in Otsego County, New York is $36,506, according to U.S. Census Bureau American Community Survey 2019-2023 5-Year Estimates. Per capita income is calculated by dividing total personal income by total population, providing an average income figure per resident.
Is Otsego County a low-income area in New York?
Otsego County's median household income of $67,086 is below the New York average of $76,433. The per capita income of $36,506 is also lower than the state average of $41,133. Lower incomes can reflect the local economic base, rural vs. urban location, and employment opportunities available in the area.
How does Otsego County rank for income in New York?
Otsego County ranks #44 out of 62 counties in New York by median household income (1 = highest). With a median household income of $67,086 and per capita income of $36,506, it falls in the bottom third of counties statewide.

Income Comparison Calculator

See how your household income compares in Otsego County

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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%

vs. Otsego County MedianAbout equal
vs. New York Average12% below
vs. National Median10% below

Income Adequacy

Monthly income covers median rent5.9x

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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Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.