Oneonta Homes under $150,000

Oneonta Homes under $150,000

Welcome to Oneonta, New York—a charming city nestled in the heart of Otsego County, where small-town charm meets vibrant community life. Known for its picturesque landscapes and rich cultural heritage, Oneonta is a haven for outdoor enthusiasts and history buffs alike. With its beautiful parks, local shops, and a thriving arts scene, this city offers a unique blend of tranquility and excitement.

Oneonta is home to a variety of recreational activities, from hiking the scenic trails of the nearby Catskill Mountains to enjoying a leisurely afternoon at the historic Wilber Park. The city is also known for its strong sense of community, with numerous events and festivals that celebrate local culture and bring residents together.

For those looking to call Oneonta home, the housing market offers an array of options, including charming homes priced under $150,000. This affordability makes it an attractive destination for first-time homebuyers, retirees, and anyone looking to invest in a welcoming community. You can find quaint bungalows, cozy cottages, and even some modern townhouses, all within an accessible price range.

Whether you’re seeking a starter home, a peaceful retreat, or an investment opportunity, Oneonta’s real estate market has something for everyone. With its rich history, beautiful surroundings, and affordable housing options, Oneonta is not just a place to live—it’s a place to thrive. Come explore the possibilities and discover your dream home in this delightful city!

Newest Oneonta Homes under $150,000

11-13 Hunt Street, Oneonta
$65,000
4 Beds ⋅ 2 Baths ⋅ R1718237 MLS
Home in poor repair, would be excellent for commercial use/ development. Within sight of Main St., Rt7. Appears home was once a 2 family with living space on first floor and apartment on second floor. Some areas have been renovated, others in process, others in need. Some items being removed from home others available. Oneonta Lot consists of three parcels 300.6-3-11, 300.6-3-5 and 300.6-3-6 totaling .29 acres.

11-13 Hunt Street, Oneonta

Listing courtesy of Bordinger Realty, LLC. Contact: 607-437-2397
4 Third Street, Oneonta
$79,000
3 Beds ⋅ 1 Baths ⋅ R1719148 MLS
Opportunity awaits in the City of Oneonta! Conveniently located just steps from Fox Hospital, public transportation, and city amenities, this 3-bedroom, 1-bath home offers plenty of potential in a desirable, central location. Two enclosed porches provide extra space to relax and enjoy—one welcoming you at the front and another offering a more private retreat in the back. Inside, you’ll find a functional layout with oil-forced air heat. Whether you're a first-time homebuyer ready to make a home your own, looking to downsize, or searching for an investment property, this is an opportunity worth exploring. Bring your ideas and discover the possibilities this Oneonta home has to offer!

4 Third Street, Oneonta

Listing courtesy of Keller Williams Upstate NY Properties. Contact: 607-437-2910
44 Academy Street Unit 42, Oneonta
$73,200
6 Beds ⋅ 2 Baths ⋅ S1718511 MLS
Two-family residence offering approximately 2,088 square feet of living space with 6 bedrooms, 2 full bathrooms, and 12 total rooms, situated on an approximately 4,792 square-foot lot. The property includes two residential units and a full unfinished basement, providing additional storage and utility space. This property presents an opportunity for renovation and improvement. Public water, public sewer, and natural gas service are available. Located in the City of Oneonta, the property offers convenient access to downtown amenities, shopping, dining, parks, public transportation, educational institutions, healthcare facilities, and community services. Its central location provides accessibility to everyday conveniences throughout the Oneonta area.

44 Academy Street Unit 42, Oneonta

Listing courtesy of REALHome Services & Solutions. Contact:

20 W Broadway, Oneonta
$119,900
3 Beds ⋅ 2 Baths ⋅ R1717445 MLS
Bring your vision and a little TLC to this charming fixer-upper filled with character and old-home charm! Featuring three spacious bedrooms, a full bathroom upstairs, and a convenient first-floor bathroom with laundry, this home offers plenty of space and potential. The main level features a large eat-in kitchen, formal dining room, and spacious living room—perfect for entertaining or relaxing. With its generous rooms, classic character, and solid bones, this is an opportunity to restore a home with the kind of charm they simply don't build like they used to!

20 W Broadway, Oneonta

Listing courtesy of Benson Agency Real Estate LLC. Contact: 917-541-3436
694 Wilber Lake Road, Oneonta
$119,000
6 Beds ⋅ 2 Baths ⋅ R1712002 MLS
This 4+ acre rural property which is situated in a prime location within the Oneonta City School District. It is quietly and conveniently located near Wilber Lake—a fantastic nearby spot for outdoor recreation—with easy access to city amenities while maintaining a private, country feel. The grounds a mixture of woods with a stream and a yard. No electric or water will be turned on. Items will remain in the house and at the property. This is being sold strictly as-is, this property offers the footprint and location to make it happen, whether you are looking to restore the early 20th Century Farmhouse or are seeking the perfect 4+ acre lot for your dream build. This could be a great investment within minutes from Oneonta and approximately 20 miles to Cooperstown!

694 Wilber Lake Road, Oneonta

Listing courtesy of Keller Williams Upstate NY Properties. Contact: 607-376-2279
5551 State Highway 7, Oneonta
$129,900
3 Beds ⋅ 2 Baths ⋅ R1709010 MLS
Circa 1850! This charming Oneonta farmhouse is calling your name! Yes, it needs some TLC, but with all of its original character and wonderful features, the effort will be well worth it. The roomy first floor offers a large living room with a wood-burning fireplace, dining room, eat-in kitchen, laundry area, bedroom, and full bath. Upstairs, you'll find two additional bedrooms and another full bath. One of the upstairs bedrooms is especially spacious, with plenty of room for a cozy reading nook (there is a window seat, too), sitting area, or whatever your imagination dreams up. Hardwood floors can be found throughout much of the home, adding warmth and timeless farmhouse appeal. The property also features a newer metal roof and new water lines installed in 2026. The attached two-car garage provides convenient parking and storage, though it does need a new roof. Outside, there's great yard space with plenty of room to garden, play, entertain, or simply enjoy the peaceful surroundings. Bring your vision and some elbow grease, and restore this circa-1850 farmhouse to its full potential. The character is here—now it's ready for someone to bring it back to life!

5551 State Highway 7, Oneonta

Listing courtesy of Benson Agency Real Estate LLC. Contact: 607-434-5972
3 Bevins Road, Oneonta
$142,000
3 Beds ⋅ 2 Baths ⋅ R1707418 MLS
This well-loved Oneonta home is ready for its next chapter—and for the first time in more than 60 years, the opportunity is yours. Priced well below full market value, this solid 3BR, 2BA home offers an uncommon combination of affordability, location, and 58 feet of Susquehanna River frontage. The sizable parcel extends across both sides of the street, providing additional space for landscaping and recreation. The interior is ready for updating, making this an ideal opportunity for a buyer looking to bring their own vision and style to a well-built home. The fundamentals are here, and the potential is substantial. Whether you're looking for a primary residence, an investment opportunity, or a property you can improve over time, this one is worth a closer look. Tucked away on a secondary road, the property offers a peaceful setting with partial wooded and river views in back, while remaining just minutes from everything Oneonta has to offer—shopping, dining, schools, SUNY Oneonta, Hartwick College, and downtown amenities. For the budget-conscious buyer, some important improvements are already in place. The roof was replaced in 2020, and a wood stove provides an option for supplemental heat and added warmth during the colder months. Properties offering this much direct river frontage in such a convenient location rarely come along at this price point. Do not wait to see it. Listing agent is related to sellers.

3 Bevins Road, Oneonta

Listing courtesy of BlueSky Properties. Contact:

517-519 Main Street, Oneonta
$89,900
4 Beds ⋅ 2 Baths ⋅ R1703370 MLS
Affordable homeownership is getting harder to find, but this one proves it's still possible. With over 1,600 square feet of living space and 4 bedrooms, this classic home offers a spacious eat-in kitchen with newer appliances and first-floor laundry. The home has great bones and gives you the opportunity to move right in while updating it over time and building equity. Outside, you'll find a large backyard with plenty of room for gardening, entertaining, pets, or play, along with a detached storage shed for your tools and equipment. Conveniently located near the elementary school, hospital, and on the bus route, this property is a great fit for first-time buyers, investors, or anyone looking for space, value, and the chance to make a home their own. Property is being sold AS-IS and would be a great candidate for a rehab loan.

517-519 Main Street, Oneonta

Listing courtesy of Keller Williams Upstate NY Properties. Contact: 315-256-3713
48 West Street, Oneonta
$120,000
4 Beds ⋅ 2 Baths ⋅ R1704306 MLS
Opportunity awaits with this affordable 4 bedroom, 2 bath home just minutes from both colleges in Oneonta. Previously used as a successful student rental, this property offers excellent investment potential or the chance to make it your own. Inside, you'll find hardwood floors throughout much of the home, a welcoming sunroom, and a functional layout with plenty of space. Conveniently located near public transportation, restaurants, shopping, and everything Oneonta has to offer. Off street parking available.

48 West Street, Oneonta

Listing courtesy of Keller Williams Upstate NY Properties. Contact: 607-267-7367
320 Chestnut Street, Oneonta
$149,500
2 Beds ⋅ 3 Baths ⋅ R1702323 MLS
Possibility Plus awaits in this spacious West End home! Enter through the convenient rear mudroom featuring abundant storage with large built-in cabinets and second pantry. The kitchen offers beautiful raised-panel oak cabinetry and opens to a bright, airy family room with a cathedral ceiling and sliding glass doors leading to a private side deck. The main level also features a spacious dining room, comfortable living room, and a full bathroom, providing a functional layout for everyday living and entertaining. Upstairs, you'll find a full hall bath, a large primary suite with ample closet space, and a private bath ready for your finishing touches—simply add a tub or shower to complete the space. The suite also offers the potential for a convenient second-floor laundry area. A second bedroom completes the upper level. A new HVAC system installed in 2012 provides year-round comfort and efficiency. Outside, enjoy the inviting wraparound covered front and side porches that lead to private deck areas, perfect for relaxing or entertaining. The property also includes a two-car detached garage, an expansive paved parking area, and landscaped yard surrounded shrubs and fencing for added privacy. With generous living space, endless potential, and a desirable West End location, this home is ready for its next chapter!

320 Chestnut Street, Oneonta

Listing courtesy of Benson Agency Real Estate LLC. Contact: 607-434-9136
1 Highland Street, Oneonta
$149,900
3 Beds ⋅ 2 Baths ⋅ R1698624 MLS
TURN-KEY AFFORDABLE ONEONTA HOME!!! Located centrally on a Neighborhood Street, you'll find privacy yet within walking distance to both Downtown Oneonta and Wilber Park. Outside highlights include a partially covered front porch, PRIVATE BACK DECK, & a GOOD SIZED PRIVATE FENCED IN BACKYARD! Inside on the first floor you will find a dining room, kitchen w/stainless appliances, large full bath, large laundry room, seasonal enclosed porch, & living room. Additionally upstairs features three bedrooms and a half bath. To top it off - NEW FURNACE (2026), NEW HOT WATER HEATER, UPDATED ELECTRIC, & HARDWOOD FLOORS THROUGHOUT! Affordable turn-key options like this don't come around often ... don't hesitate!!!

1 Highland Street, Oneonta

Listing courtesy of Benson Agency Real Estate LLC. Contact: (607) 432-4391
9 Gilbert Street, Oneonta
$139,000
3 Beds ⋅ 1 Baths ⋅ R1691371 MLS
Discover single-level potential in this 3-bedroom, 1-full-bathroom ranch house situated on a quiet neighborhood street within the Oneonta School District. Stepping inside, the layout flows seamlessly into a welcoming living room featuring an open-concept connection to the eat-in kitchen. The kitchen is equipped with a back door providing immediate access to the rear deck and backyard—ideal for indoor-outdoor dining and customizing to your taste. Down the hallway, you will find the full bathroom and three comfortable bedrooms. The lower level expands the home's footprint with a finished "wet" basement with laundry space and offers room to add value with a large family room or entertainment space. Outside, a handy storage shed sits in the backyard, where mature trees line the property to provide natural privacy. This property presents a fantastic opportunity to bring your design ideas and updates to a highly convenient location.

9 Gilbert Street, Oneonta

Listing courtesy of Keller Williams Upstate NY Properties. Contact: 607-376-2279
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