Compare towns
Hartwick vs Otsego vs Covert
Cost, people, housing, commute and schools, side by side, each benchmarked against New York.
What stands out worked out from the figures below
Hartwick has the most affordable homes ($174k median).
Otsego has the most expensive homes ($353k median).
Covert has grown the fastest since 2010 (+0.4%).
What matters to you?
Pick a few. We’ll pull those rows to the top and mark which town comes out ahead on each. There’s no overall score: what matters is up to you.
| Measure | Hartwick | Otsego | Covert |
|---|---|---|---|
| Your priorities | |||
| People | |||
| Population | 2,143 |
3,627Highest |
2,004Lowest |
| Growth since 20102010 → 2020 census | -7.5%Lowest NY: +4.2% |
-6.6% NY: +4.2% |
+0.4%Highest NY: +4.2% |
| Median age | 49.3±5.4Lowest 24% above NY |
52.1±5.8Highest 31% above NY |
50.4±4.3 27% above NY |
| Otsego and Covert are within the Census margin of error here, so we can’t say which is really higher. | |||
| Kids under 18 | 13%±3 NY: 20.5% |
12.1%±2.9Lowest NY: 20.5% |
24.1%±4Highest NY: 20.5% |
| Age 65+ | 20.5%±3.1Lowest NY: 17.9% |
31.8%±5.1Highest NY: 17.9% |
25.2%±2.3 NY: 17.9% |
| Otsego and Covert are within the Census margin of error here, so we can’t say which is really higher. | |||
| Bachelor’s degree+adults 25+ | 41.2% NY: 40.2% |
53.8%Highest NY: 40.2% |
40.7%Lowest NY: 40.2% |
| Enrolled in collegeshare of residents | 3.5%±2.4 NY: 7% |
6.2%±2.3Highest NY: 7% |
1.9%±1Lowest NY: 7% |
| Otsego and Hartwick are within the Census margin of error here, so we can’t say which is really higher. | |||
| Cost of living | |||
| Household incomemedian | $81,196±$6kHighest 6% below NY |
$72,891±$16kLowest 15% below NY |
$75,688±$16k 12% below NY |
| Hartwick and Covert are within the Census margin of error here, so we can’t say which is really higher. | |||
| Home valuemedian, owner-occupied | $173,500±$36kLowest 59% below NY |
$352,600±$42kHighest 17% below NY |
$227,200±$48k 46% below NY |
| Rentmedian gross, monthly | $1,000±$174Lowest 38% below NY |
$1,205±$165 26% below NY |
$1,257±$236Highest 22% below NY |
| Covert and Otsego are within the Census margin of error here, so we can’t say which is really higher. | |||
| Property taxmedian, yearly | $2,912Lowest 56% below NY |
$4,702Highest 29% below NY |
$3,724 43% below NY |
| Renters paying 30%+of income on rent | 57.1%±25.1Highest NY: 52.1% |
30.6%±17.8Lowest NY: 52.1% |
42.9%±18.6 NY: 52.1% |
| Hartwick and Covert are within the Census margin of error here, so we can’t say which is really higher. | |||
| Below poverty line | 7.5% NY: 14% |
6.9%Lowest NY: 14% |
7.6%Highest NY: 14% |
| Housing | |||
| Homeownersof occupied homes | 80% NY: 54.3% |
70.4%Lowest NY: 54.3% |
83.4%Highest NY: 54.3% |
| Typical home builtmedian year | 1971Highest 12 yrs newer than NY |
1938Lowest 21 yrs older than NY |
1942 17 yrs older than NY |
| Getting to work | |||
| Average commuteone way | 18 minLowest 44% below NY |
26 minHighest 21% below NY |
23 min 30% below NY |
| Work from home | 22.2%±13.2Highest NY: 14.9% |
19.9%±9.2 NY: 14.9% |
15.5%±5.1Lowest NY: 14.9% |
| Hartwick and Otsego are within the Census margin of error here, so we can’t say which is really higher. | |||
| Schools | |||
| Public school scoresrank in state, math + reading | — | #65 of 484 in NY | — |
| School district | — | COOPERSTOWN CENTRAL SCHOOL DISTRICT | SOUTH SENECA CENTRAL SCHOOL DISTRICT |
| High school in town | — | COOPERSTOWN JUNIOR/SENIOR HIGH SCHOOL | None in town |
| Students per teacherat that high school | — | 12.8 |
— |
| On TownTapestry | |||
| Old photos in History | None yet | None yet | None yet |
NY average · Sources: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024; 2010 & 2020 decennial census; NCES Common Core of Data. “±” is the Census margin of error. Property tax is top-coded by the Census at $10,000+. School rank compares math and reading proficiency against the state average.