Otsego County, NY demographics:
population, income, and more

Total population
60,108
0.6% year-over-year change
Median household income
$68,885/yr
2.7% year-over-year change
Housing units
30,057
0.1% year-over-year change

Otsego County population

How many people live in Otsego County

Otsego County is home to 60,108 residents, according to the most recent Census data. Gender-wise, 48.5% of Otsego County locals are male, and 51.5% are female.

Total population
60,108
0.6% year-over-year change
Gender ratio
Male
48.5%
29,155
Female
51.5%
30,953
Value Percent YoY change
Male 29,155 48.5% 0.4%
Female 30,953 51.5% 0.8%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Otsego County is 40, with the population distributed as follows: about 12.1% are children under 15, then 22.6% are in the 15 to 24 age group. Adults between 25 and 44 make up 19.9% of the population, while another 23.9% fall into the 45 to 64 bracket. Finally, around 21.5% are 65 or older.

Median age
39.9
Age breakdown
Under 15
12.1%
15 to 24
22.6%
25 to 44
19.9%
45 to 64
23.9%
Over 65
21.5%
Value Percent YoY change
Under 15 7,282 12.1% -2.7%
15 to 24 13,555 22.6% 4.2%
25 to 44 11,976 19.9% 1.3%
45 to 64 14,384 23.9% -2.3%
Over 65 12,911 21.5% 1.7%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Otsego County, 95.1% of the population are US-born citizens, while 3.1% have gained naturalized citizenship. At the same time, 1.8% of residents are non-citizens. As for race, 89.2% of locals are Caucasian, 2.3% are African American and 1.5% have Asian roots. Another 0.2% are Indigenous American, 0.1% are Pacific Islanders, while 1.4% identify as another race. There’s also a share of 5.2% that includes residents with two or more races.

Citizenship
U.S.-born citizens
95.1%
Non-U.S.-born citizens
3.1%
Non-citizens
1.8%
Value Percent YoY change
U.S.-born citizens 57,186 95.1% 0.8%
Non-U.S.-born citizens 1,847 3.1% -0.2%
Non-citizens 1,075 1.8% -7.6%
Racial breakdown
White
89.2%
Black or African American
2.3%
American Indian and Alaska Native
0.2%
Asian
1.5%
Native Hawaiian and other Pacific Islander
0.1%
Two or more races
5.2%
Other
1.4%
Value Percent
White 53,637 89.2%
Black or African American 1,357 2.3%
American Indian and Alaska Native 140 0.2%
Asian 922 1.5%
Native Hawaiian and other Pacific Islander 52 0.1%
Two or more races 3,128 5.2%
Other 872 1.4%

Households in Otsego County

A peek inside Otsego County households

Otsego County has 23,189 households, with an average of 2 members in each. Of these, 61.3% are families, while the remaining 38.7% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
23,189
2.6% year-over-year change
Average people per household
2
Non-family households
8,982
Family households
14,207
Value Percent YoY change
Non-family households 8,982 38.7% 1.2%
Family households 14,207 61.3% 3.4%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Otsego County

The housing landscape of Otsego County

Otsego County's housing consists of 30,057 units, with 67.4% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 0.8% and offer a more compact, shared living style. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 10.9% of the housing landscape.

Housing units
30,057
0.1% year-over-year change
Housing types
Value Percent
1 unit, detached 20,269 67.4%
1 unit, attached 230 0.8%
2 units 2,213 7.4%
3 or 4 units 2,103 7%
5 to 9 units 982 3.3%
10 to 19 units 339 1.1%
20 to 49 units 331 1.1%
50 or more units 238 0.8%
Mobile home 3,287 10.9%
Boat, RV, van, etc. 65 0.2%
Homes built since 2020
200
42.9% year-over-year change

The age of buildings in Otsego County

In Otsego County, the median construction year is 1954. About 40.8% of homes were built before the 1940s, with another 6.1% going up by 1949. Most development happened in the second half of the 20th century. Then, 7.2% of homes were added from 2000 to 2009, 4.2% between 2010 and 2019, and 0.7% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 12,259 40.8% -0.5%
Built between 1940 and 1949 1,836 6.1% 4.8%
Built between 1950 and 1959 2,230 7.4% -2.9%
Built between 1960 and 1969 1,690 5.6% -5.6%
Built between 1970 and 1979 2,899 9.6% -1.5%
Built between 1980 and 1989 2,747 9.1% -3.6%
Built between 1990 and 1999 2,738 9.1% 1.3%
Built between 2000 and 2009 2,180 7.2% 14.4%
Built between 2010 and 2019 1,278 4.2% -2.3%
Built in 2020 or later 200 0.7% 42.9%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Otsego County occupancy rates

Out of the 23,189 occupied housing units in Otsego County, 73.9% are owner-occupied, while 26.1% are lived in by tenants. Meanwhile, 22.8% of all homes on the local market sit vacant.

Occupied housing units
23,189
2.6% year-over-year change
Occupancy breakdown
Renter occupied
6,060
Owner occupied
17,129
Value Percent YoY
change
Renter occupied 6,060 26.1% 4.5%
Owner occupied 17,129 73.9% 1.9%
Unoccupied housing units
22.8%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Otsego County housing costs

Housing costs in Otsego County come to a median of $1,000 per month, while tenants specifically pay a median gross rent of $987.

Median housing costs per month
$1,000/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Otsego County
$987/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Otsego County

Otsego County education at a glance

About 39% of the population in Otsego County went to high school, while 20.6% pursued college studies. Another 10% earned an associate degree and 15.9% hold a bachelor’s. Meanwhile, 12% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 1,265 2.5% 6.3%
High school diploma 19,968 39% 1.6%
College diploma 10,536 20.6% -0.5%
Associate degree 5,096 10% -2.2%
Bachelor's degree 8,152 15.9% 2.6%
Graduate degree 6,140 12% 1.6%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Otsego County

How much people earn in Otsego County

The average annual household income in Otsego County was $91,075 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +1% change from the previous year. At the same time, the median income stood at $68,885, reflecting a +2.7% shift over the same period.

Average household income in Otsego County
$91,075/year
1.0% year-over-year change
Median household income in Otsego County
$68,885/year
2.7% year-over-year change

Otsego County income by age

In Otsego County, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $78,138. Those with someone between 45 and 64 in charge, often well established professionally, earn $86,450 overall. Younger households, where the main provider is under 25 and just starting out, report a median income of $36,076, while those led by someone over 65, many of whom may be retired, have about $55,323 in earnings. Overall, 87.6% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
Under 25 $36,076 -11.5%
25 - 44 $78,138 1.4%
45 - 64 $86,450 5.9%
Over 65 $55,323 3.8%
Above poverty level
47,824
Below poverty level
6,749
Value Percent YoY
change
Above poverty level 47,824 87.6% 2.3%
Below poverty level 6,749 12.4% -11.3%

Employment in Otsego County

Workforce and job types in Otsego County

The job market in Otsego County is powered by 26,938 working residents, spread across a range of industries and roles. 78.9% of the working population are employed in professional or administrative positions, while 21.1% are in hands-on or service-based jobs. Also, 11.2% run their own businesses, 52.3% are employed by private companies, and 20.9% work in the public sector.

Workforce demographics

Working population
26,938
1.2% year-over-year change
White collar
21,249
Blue collar
5,689
Value Percent YoY change
White collar 21,249 78.9% 2.4%
Blue collar 5,689 21.1% -3.2%
Employer type
Self employees
11.2%
Private companies
52.3%
Governmental workers
20.9%
Not for profit companies
15.6%
Value Percent YoY change
Self employees 3,025 11.2% -2.5%
Private companies 14,095 52.3% -0.6%
Governmental workers 5,627 20.9% 9.1%
Not for profit companies 4,191 15.6% 0.3%
Unemployment rate
6.4%
22.9% year-over-year change

Available workforce

The unemployment rate in Otsego County stands at 6.4%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Otsego County

How people get around in Otsego County

In Otsego County, the average commute time is 23 minutes. Commuting methods vary: 79.2% of residents travel by personal vehicle and 7.3% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Commute time
23 min
-2.1% year-over-year change
Means of transportation
Value Percent YoY change
Car 20,871 79.2% -2.0%
Taxicab 8 0% 33.3%
Bus or trolleybus 254 1% 35.1%
Subway or elevated 11 0% N/A
Railroad 5 0% -16.7%
Motorcycle 3 0% 0.0%
Bicycle 54 0.2% 28.6%
Walk 1,927 7.3% 2.0%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Otsego County by zipcode?

Zipcode Population Number of households Median income Average income
12155 1,685 631 $62,361 $77,656
13315 1,237 486 $65,921 $92,260
13320 1,971 750 $86,204 $106,316
13326 4,586 1,911 $80,040 $127,020
13333 46 23 $42,813 $54,748
13335 1,511 510 $65,000 $77,417
12036 223 67 $41,823 $74,775
12197 2,298 828 $77,778 $86,823
12116 1,787 729 $78,986 $80,368
12064 342 144 $63,500 $67,867

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FAQs about Otsego County demographics 

What is the total population of Otsego County?

Otsego County has a total population of 60,108 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by +0.6% compared to a year ago.

What is the gender ratio in Otsego County?

The gender ratio in Otsego County is as follows:
  • 48.5% males (29,155 residents)
  • 51.5% females (30,953 residents)

What is the median age in Otsego County?

The median age in Otsego County is 39.9.

What is the age distribution of the population in Otsego County?

The age distribution in Otsego County is as follows:
  • Under 15: 12.1% (7,282 residents)
  • Ages 15-24: 22.6% (13,555 residents)
  • Ages 25-44: 19.9% (11,976 residents)
  • Ages 45-64: 23.9% (14,384 residents)
  • Over 65: 21.5% (12,911 residents)

What is the racial and ethnic makeup of Otsego County?

The racial and ethnic makeup of Otsego County is as follows:
  • White: 89.2% (53,637 residents)
  • Black or African American: 2.3% (1,357 residents)
  • American Indian and Alaska Native: 0.2% (140 residents)
  • Asian: 1.5% (922 residents)
  • Native Hawaiian and Other Pacific Islander: 0.1% (52 residents)
  • Two or More Races: 5.2% (3,128 residents)
  • Other: 1.4% (872 residents)

What percentage of the population in Otsego County are U.S.-born citizens?

U.S.-born citizens represent 95.1% of the population in Otsego County.

How many housing units are there in Otsego County?

There are 30,057 housing units in Otsego County, reflecting a +0.1% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Otsego County and what is the average household size?

Otsego County has a total of 23,189 households, with an average of 2 people in each.

What is the median household income in Otsego County?

Otsego County has a median household income of $68,885, representing a +2.7% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Otsego County?

The employment rate is 93.6% in Otsego County, with a workforce of 26,938 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 78.9% (21,249 residents)
  • Blue-collar workers: 21.1% (5,689 residents)

Places of employment:
  • Self-employed: 11.2% (3,025 residents)
  • Private companies: 52.3% (14,095 residents)
  • Governmental workers: 20.9% (5,627 residents)
  • Not-for-profit companies: 15.6% (4,191 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025