Oneonta Homes under $500,000

Oneonta Homes under $500,000

Welcome to Oneonta, New York—a charming city nestled in the heart of Otsego County, where picturesque landscapes meet vibrant community life. Known for its rich history and welcoming atmosphere, Oneonta offers a unique blend of small-town charm and modern conveniences. With its scenic parks, local shops, and a thriving arts scene, this city is perfect for families, young professionals, and retirees alike.

Oneonta is renowned for its excellent educational institutions, including the State University of New York at Oneonta and Hartwick College, making it a hub for knowledge and culture. The city’s downtown area is alive with quaint cafes, boutique stores, and seasonal festivals that celebrate the local culture. Outdoor enthusiasts will revel in the nearby hiking trails, lakes, and recreational facilities, ensuring there’s always an adventure waiting just around the corner.

For those looking to plant roots in this vibrant community, Oneonta boasts a fantastic selection of homes priced under $500,000. Whether you’re searching for a cozy single-family home, a charming historic property, or a modern townhouse, you’ll find a variety of options that cater to diverse tastes and lifestyles. With affordable housing options, Oneonta provides an ideal opportunity for first-time homebuyers and families looking for their forever home.

Discover the perfect blend of affordability, community spirit, and natural beauty in Oneonta. Explore the available homes today and take the first step toward making this delightful city your new home!

Newest Oneonta Homes under $500,000

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
61 Union St, Oneonta
$367,999
4 Beds ⋅ 3.5 Baths ⋅ 12008792 MLS
Please call or text (6O7) 437-7867 *** Four bedrooms, one full, one 3/4 and two half baths, 2,297 sq ft, at the upper end of a dead-end street with the wooded entrance to Wilber Park directly across the road. * No through traffic, trees and trails out the front door, and you can still walk to the middle and high schools, SUNY Oneonta, and Main Street. * First floor: large mudroom, hardwood floors, formal dining room, kitchen, office, and a half bath renovated in 2020. * The living room and family room flow together, and the layout is flexible. * Upstairs: a full bath with real storage and an open landing between the two bedrooms that has worked as an office, hangout space, and playroom. * The primary has hardwood, a walk-in closet, and a half bath; bath and closet were renovated in 2024. * The second bedroom is large, with hardwood and two closets. * The third floor adds two bedrooms, a walk-in closet, storage, and a 3/4 bath. * The covered back deck is a great spot from spring through fall, with skylights, privacy shades, and a view of the fenced yard, with room for a firepit. * A bluestone patio sits off one side; a long paved driveway runs down the other to a side entrance and detached garage. * Berry bushes, lilacs, and flowers fill the backyard. * Updates: furnace 2020, hot water heater 2023, dishwasher and disposal 2025, two baths renovated 2020-2024, new faucets throughout, ceiling fans in the office, dining room, and deck, garage repainted 2025, basement walls and floor painted with new lighting 2026. * Every room but the living room and primary bedroom painted in the last five years. * Gas averages $115 a month, electric $100. * To do: a section of the roof needs repair (2026 roofer estimates available) and about a third of the exterior needs paint.

61 Union St, Oneonta

Listing courtesy of Vitaly Isaacs with Statewide Properties LLC
236 County Highway 47, Oneonta
$325,000
3 Beds ⋅ 2 Baths ⋅ R1718460 MLS
Welcome home! This spacious three bedroom home offers a comfortable layout, plenty of room to spread out, and a great location close to everything you need. Step inside to a welcoming main living area with plenty of space to gather, relax, and make your own. From there, the home flows into the dining area and kitchen, where you’ll find plenty of cabinet and counter space for everyday cooking and entertaining. Just beyond the kitchen is one of the highlights of the home...a bright and inviting sunroom with vaulted ceilings, skylights, and windows that bring in tons of natural light. It’s the perfect spot for your morning coffee, a good book, or simply enjoying the view of the backyard. From the sunroom, step right out onto the deck where you’ll find a functioning hot tub ready to enjoy. Whether you’re entertaining in the warmer months or relaxing in the hot tub on a cool evening, this is a space you can enjoy throughout the seasons. The main level also features a primary bedroom with its own private bathroom and a generous walk-in closet, along with two additional bedrooms and another full bath. A separate laundry room adds everyday convenience and provides direct access to the attached two-car garage. Downstairs, there’s even more room to work with. The partially finished lower level consists of two additional rooms that could easily become a family room, home office, gym, hobby room, or whatever works best for you. There is also a large unfinished area offering plenty of additional storage or the opportunity to create a workshop or dedicated project space. Outside, the yard offers room to enjoy the outdoors, and an additional storage shed gives you a convenient place for lawn equipment, tools, and seasonal items. Located with easy access to I-88 and just a short distance from shopping, dining, schools, and other town amenities, you can enjoy the convenience of being close to town while still having space to call your own.

236 County Highway 47, Oneonta

Listing courtesy of Keller Williams Upstate NY Properties. Contact: 607-316-2098
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:

112 Central Drive, Oneonta
$349,000
3 Beds ⋅ 3 Baths ⋅ R1716689 MLS
Welcome to Central Drive in the sought after Angel Heights subdivision of Oneonta. This move in ready home offers 3 bedrooms, 3 bathrooms, and a full two car garage, all set on over a half acre of land. The property has seen extensive updates throughout, allowing the next owner to settle in without taking on projects or deferred maintenance. Angel Heights is known for its quiet streets and convenient location, with easy access to shopping, dining, schools, baseball camps, Hartwick College, Oneonta University, parks, and all that the Oneonta area has to offer. Outdoor recreation, downtown amenities, and year round activities are all just minutes away, making this a great place to enjoy both everyday living and weekend adventures. This is a strong opportunity to own a well maintained home in one of Oneonta’s most desirable neighborhoods, offering space, updates, and a location that continues to hold long term appeal.

112 Central Drive, Oneonta

Listing courtesy of Keller Williams Upstate NY Properties. Contact: 607-267-3166
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
5 Orchard Street, Oneonta
$220,000
3 Beds ⋅ 2 Baths ⋅ R1716918 MLS
This is a Fannie Mae HomePath property. Charming ranch style home situated on a spacious and quiet lot, located close to your needed amenities. Recent updates include new carpet, paint, including kitchen and bath. Home offers a nice open floor plan allowing lots of natural light to flow throughout, great for entertaining guests! Dont miss it!

5 Orchard Street, Oneonta

Listing courtesy of Hunt Real Estate ERA/Columbus. Contact: 585-785-2000
306 East Street, Oneonta
$325,000
3 Beds ⋅ 2 Baths ⋅ R1716105 MLS
This impeccably maintained three-bedroom, two-bath ranch-style home is being offered for sale for the first time in more than 50 years; a rare opportunity to own a property that has been lovingly cared for through the decades. The comfortable and functional layout provides the ease of single-level living, with inviting spaces suited to a variety of lifestyles. Efficient heat pumps throughout the home provide welcome comfort during the warm summer months. A bright and welcoming solarium offers the perfect setting for plant enthusiasts, a peaceful reading area, or a sunny retreat for relaxing and enjoying the changing seasons. The full basement provides abundant storage and could easily be finished to create additional living space, such as a family room, home office, recreation area, fitness room, or guest accommodations. Important improvements, including a newer roof and replacement windows, contribute to the home’s comfort and long-term appeal. Outside, mature landscaping enhances the property’s established character, while the approximately half-acre lot offers plenty of room for gardening, entertaining, recreation, or quiet outdoor enjoyment without requiring extensive upkeep. Enjoy the best of both worlds with a peaceful, bucolic country setting located just a short distance from SUNY Oneonta, Hartwick College, Oneonta High School, shopping, dining, healthcare, and the many conveniences of the City of Oneonta. With its exceptional care, desirable location, expansion potential, and more than five decades of ownership, this special property is ready to welcome its next owner.

306 East Street, Oneonta

Listing courtesy of Keller Williams Upstate NY Properties. Contact: 607-435-4800
88-90 Center Street, Oneonta
$299,000
5 Beds ⋅ 3 Baths ⋅ R1714972 MLS
This fully occupied, three-unit multi-family property in Oneonta, NY, has an excellent rental history and a current gross annual income of over $41,000 per year. Located close to Main Street, it is close to all of the shopping and restaurants of downtown Oneonta. It alsoprovides an easy commute to Hartwick College, SUNY Oneonta, and A.O. Fox Hospital. This convenient location ensures a steady demand for the units, and reliable rent roll.

88-90 Center Street, Oneonta

Listing courtesy of Keller Williams Upstate NY Properties. Contact: 607-267-3166
30 Center Street, Oneonta
$159,000
3 Beds ⋅ 2 Baths ⋅ R1714107 MLS
Welcome to this charming 3+ bedroom, 1.5 bath two-story home situated on a quiet street in West Oneonta! Step onto the inviting front covered porch and enter into a spacious entryway, currently setup as a home gym. Down the hall to the left, you will discover the kitchen, highlighted by custom built-ins crafted from natural wood that add rich historic detail and great storage. The kitchen opens into the bright sun light dining area, continues around into a cozy living room showered with natural light, circling right back to the entryway. Conveniently located off the kitchen area is a half bathroom equipped with a stackable washer and dryer, as well as a separate door nearby that leads directly out to the back deck and yard. Head upstairs to find three bedrooms and a full bathroom. The top level features a spacious attic space that offers great potential to be finished into an additional bedroom or two with closets and additional storage. Outdoors, enjoy a private, fenced-in yard with a spacious deck and a small shed for storage. Filled with original details and custom craftsmanship, this character-rich home offers the perfect mix of comfort, location, and rental investment potential!

30 Center Street, Oneonta

Listing courtesy of Keller Williams Upstate NY Properties. Contact: 607-376-2279
11 Fonda Avenue, Oneonta
$199,000
5 Beds ⋅ 2 Baths ⋅ R1713778 MLS
Great owner occupied or investment opportunity 2 unit with great yard and old carriage barn. First floor has three spacious bedrooms, eat-in-kitchen and nice sized living room. The second floor apartment has two bedrooms with a nice kitchen with the old built in wall cabinets and spacious living room. Make the carriage barn into another unit for a real money maker, with proper city approvals.

11 Fonda Avenue, Oneonta

Listing courtesy of Benson Agency Real Estate LLC. Contact: 607-435-8879
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