| Index | Oneonta | New York | National |
| Cost of living | 103 | 121 | 100 |
| Groceries | 106 | 106 | 100 |
| Health care | 109 | 110 | 100 |
| Housing | 86 | 144 | 100 |
| Transportation | 115 | 113 | 100 |
| Utilities | 110 | 112 | 100 |
| Lifestyle & Entertainment | 113 | 111 | 100 |
| Household Items | 104 | 106 | 100 |
| Education & Childcare | 119 | 118 | 100 |
The cost of living in Oneonta affects the quality of life one can afford in this new location. It allows people to assess whether they can maintain their preferred lifestyle, including housing, leisure activities and dining options. Your total monthly expenditures can varry depending on the area, as well as many other factors. The cost of living in Oneonta is 103, which is 3% higher than the national average. Knowledge of the cost of living can help individuals make informed decisions about retirement savings, investments, and financial goals.
In Oneonta, daily expenses such as food, housing, lifestyle expenses, transportation and health care are in line with comparable areas and about average when compared to all cities across the nation. This ensures that the cost of living in Oneonta will resemble that of an average city, contributing to a manageable cost of living.
Is Oneonta an affordable place to live? It's a good question and one that you might want to ask when considering any new city, as affordability can play a huge role in the decision making process. The cost of living index (which we covered above), as well as housing costs and income levels play a vital role in determining the affordability of an area. The median home price in Oneonta is 17.6% lower than the national average, while the average monthly rent prices are 4.4% lower than average. The affordability of any location can also be influenced by median income levels. Oneonta has a median household income of $81,139, which is 0.2% lower than the national average.
Subsidies: Some areas might offer government subsidies or assistance programs that help lower cost of living for residents. These programs can include anything from Medicare, Medicaid, housing subsidies, low-income home energy assistance programs, school lunch programs, supplemental nutrition assistance programs, student loans, electric vehicle tax credits, affordable care act subsidies and crop subsidies. Areas that offer less subsidies, could see an increase in their cost of living.
Transportation: In cities with limited or no public transportation, residents may find it necessary to own and maintain vehicles, thereby elevating the cost of living. Monthly expenditures include fuel, insurance, routine maintenance and potential lease or financing commitments. In Oneonta, the transportation index stands at 14.8% higher than the national average.
Utilities: Similar to the prices of any other goods or services, utility expenditures can exhibit substantial variability, influenced by factors such as climate, energy sources accessibility, geographical location and state regulations. Costs related to electricity, water, heating, and waste disposal can fluctuate, whether higher or lower, contingent on the city or state. In Oneonta, the utilities index is 10% higher than the national average.
The Oneonta cost of living data above is designed around a U.S. average baseline of 100, allowing for easy comparisons of relative living costs. Housing incorporates U.S. Census home price and rental data, while all other figures are AI-assisted estimates that account for regional price trends, climate, transportation dynamics, and common everyday expenses. These values are best used as directional city-to-city comparisons.
| Cost of living index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index | |
| Lifestyle index | |
| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $118,588 | $9,882 | $2,767 | $3,558 |
| Renters | $44,186 | $3,682 | $1,031 | $1,326 |
| State | General Sales Tax | With Max Surtax |
| New York | 4% | 8.875% |
| State | Income Tax (Low) | Income Tax (High) |
| New York | 4% | 10.9% |
| City | Population | Cost of Living Index | National Avg. |
| Bloomville, NY | 227 | 93 | 7.0% |
| Davenport Center, NY | 274 | 94 | 5.7% |
| New Berlin, NY | 999 | 94 | 5.5% |
| Schenevus, NY | 569 | 95 | 5.2% |
| Unadilla, NY | 936 | 94 | 5.6% |
| Oneonta, NY | 14,213 | 103 | 3.2% |
| City | Population | Cost of Living Index | National Avg. |
| Ephrata, PA | 14,211 | 96 | 4.1% |
| Whitefish Bay, WI | 14,209 | 125 | 25.5% |
| Orange, CT | 14,220 | 136 | 35.8% |
| D'Iberville, MS | 14,203 | 95 | 5.2% |
| Bridgetown, OH | 14,203 | 91 | 9.3% |
| Oneonta, NY | 14,213 | 103 | 3.2% |
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