Housing data for Otsego Township, IN
Otsego Township, IN has an estimated 2,496 residents and 1,757 homes (US Census Bureau, 2020–2024 American Community Survey).
It is a township in Steuben County.
17.3% of households rent.
The median gross rent is $1,075 a month.
Its population shrank measurably since 2015–2019 (−2.5%).
Figures last updated on .
- Residents
- 2,496 (±19)
- Housing units
- 1,757 (±142)
- Households that rent
- 17.3%
- Median gross rent
- $1,075
- Residents since 2015–2019
- −2.5%
What stands out in Otsego Township
Median real estate taxes: $1,829 (±$239) in Otsego Township, higher than in Steuben County ($1,242).
Median home value: $301,700 (±$49,539) in Otsego Township, higher than in Steuben County ($216,200).
Average commute: 28.3 minutes (±3.0) in Otsego Township, higher than in Steuben County (21.0 minutes).
Homes in buildings of 5 or more units: 1.2% (±2.3 points) in Otsego Township, lower than in Steuben County (4.4%).
- Property taxes in Otsego Township
- Home values in Otsego Township
- Commute and cars in Otsego Township
- Types of homes in Otsego Township
Housing in Otsego Township at a glance
- Median rent: $1,075 median gross rent a month
- Rent by bedrooms: $773 median gross rent, 2 bedrooms (Small sample: wide margin of error)
- Rent burden: 35.7% of renters pay 30% or more of income (Small sample: wide margin of error)
- Renters and owners: 17.3% of households rent
- Income and affordability: $78,828 median household income
- Home values: $301,700 median home value
- Homeowner costs: $1,560 median monthly cost with a mortgage
- Property taxes: $1,829 median real estate taxes a year
- Types of homes: 1.2% of homes are in buildings of 5 or more units
- Bedrooms: 68.4% of homes have 3 or more bedrooms
- Age of homes: 53.9% of homes were built before 1980
- Vacancy rate: 0.0% rental vacancy rate (Small sample: wide margin of error)
- Heating fuel: 63.5% heat with utility gas
- Commute and cars: 28.3 minutes average trip to work
- Growth: −2.5% residents since 2015–2019
- How long people stay: 19.8% moved in since 2020
- Crowding and facilities: 0.9% of homes have more than 1 person per room (Small sample: wide margin of error)
Otsego Township against Steuben County, its state and the nation
| Otsego Township | Steuben County | Indiana | United States | |
|---|---|---|---|---|
| Residents | 2,496 (±19) | 34,726 (exact) | 6,851,073 (exact) | 334,922,499 |
| Housing units | 1,757 (±142) | 19,181 (±43) | 2,976,568 (±617) | 143,775,355 |
| Households that rent | 17.3% (±7.7 points) | 20.5% (±2.5 points) | 29.4% (±0.3 points) | 34.8% |
| Median gross rent | $1,075 (±$88) | $933 (±$68) | $1,062 (±$5) | $1,413 |
| Median household income | $78,828 (±$15,017) | $74,911 (±$3,605) | $71,957 (±$352) | $80,734 |
| Median home value | $301,700 (±$49,539) | $216,200 (±$12,073) | $218,200 (±$739) | $332,700 |
| Median real estate taxes (a year) | $1,829 (±$239) | $1,242 (±$69) | $1,614 (±$9) | $3,119 |
| Built before 1980 | 53.9% (±10.2 points) | 49.1% (±3.3 points) | 55.0% (±0.3 points) | 49.7% |
| Average commute | 28.3 minutes (±3.0) | 21.0 minutes (±1.0) | 24.1 minutes (±0.1) | 26.4 minutes |
| Households with broadband | 82.7% (±6.3 points) | 87.3% (±1.8 points) | 89.9% (±0.2 points) | 91.0% |
| Median age of residents | 55.9 years (±5.7) | 43.5 years (±0.4) | 38.1 years (±0.2) | 38.9 years |
Otsego Township covers 33.3 square miles of land, about 75 residents per square mile (Census Bureau Gazetteer).
How Otsego Township has changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Residents | 2,560 (±23) | 2,496 (±19) | −2.5% | Measurable decrease |
| Housing units | 1,815 (±161) | 1,757 (±142) | −3.2% | Not a measurable change |
| Median gross rent | $825 (±$238) | $1,075 (±$88) | +30.3% | No measurable change after inflation |
| Median home value | $164,600 (±$20,869) | $301,700 (±$49,539) | +83.3% | Up after inflation |
| Median household income | $64,123 (±$6,293) | $78,828 (±$15,017) | +22.9% | No measurable change after inflation |
| Median owner cost with a mortgage | $1,113 (±$77) | $1,560 (±$341) | +40.2% | No measurable change after inflation |
| Median real estate taxes | $1,160 (±$212) | $1,829 (±$239) | +57.7% | Up after inflation |
| Households that rent | 14.9% (±4.8 points) | 17.3% (±7.7 points) | +2.4 percentage points | Not a measurable change |
| Rental vacancy rate | 7.2% (±8.2 points) | 0.0% (±17.7 points) | −7.2 percentage points | Not a measurable change |
The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.
Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.
The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.
Crime reported to police in Steuben County
Otsego Township has no police department of its own in the FBI’s figures, so this is the figure for Steuben County as a whole.
In 2025, the police departments that report for Steuben County recorded 35 violent and 926 property crimes per 100,000 residents.
A county-wide figure describes the whole county, not this place; crime varies from one community to the next.
ZIP codes in Otsego Township
| ZIP code | Share of the ZIP’s land in this place | Residents | Median gross rent | Median home value | Median household income |
|---|---|---|---|---|---|
| 46742 | 44% | 3,292 | $968 | $250,500 | $78,750 |
| 46779 | 16% | 2,221 | — | $171,000 | $86,000 |
A ZIP code is a mail route rather than a boundary, so the Census Bureau publishes figures for ZIP Code Tabulation Areas built from census blocks; the share column says how much of each one’s land lies in this place.
Places near Otsego Township
| Place | Distance | Median gross rent | Median home value | Households that rent |
|---|---|---|---|---|
| Hamilton | 2.1 mi | $1,013 | $298,200 | 29.4% |
| Richland Township (Steuben County) | 4.0 mi | — | $251,000 | 0.0% |
| Scott Township (Steuben County) | 6.0 mi | $583 | $200,600 | 23.7% |
| Steuben Township (Steuben County) | 6.2 mi | $835 | $165,000 | 13.7% |
| Franklin Township (DeKalb County) | 6.2 mi | $739 | $185,100 | 21.2% |
| York Township (Steuben County) | 7.1 mi | — | $210,500 | 4.9% |
| Edon | 7.2 mi | $983 | $110,100 | 23.1% |
| Troy Township (DeKalb County) | 7.3 mi | — | $334,700 | 0.0% |
Places in Indiana most like Otsego Township
| Place | Median gross rent | Median home value | Median household income | Households that rent |
|---|---|---|---|---|
| Clay Township (Morgan County) | $1,083 | $270,000 | $81,944 | 20.2% |
| Jackson Township (Hamilton County) | $940 | $282,200 | $84,913 | 15.5% |
| Adams Township (Madison County) | $1,106 | $231,400 | $82,500 | 13.6% |
| Harrison Township (Morgan County) | $1,051 | $266,700 | $74,735 | 9.0% |
| Washington Township (Monroe County) | $1,200 | $276,100 | $80,233 | 11.2% |
| Liberty Township (Hendricks County) | $999 | $313,000 | $82,171 | 13.1% |
Matched on rent, home value, income, the share who rent, the age of the homes, the share in apartment buildings and the commute, each measured against the spread across Indiana.
HUD Fair Market Rent for Otsego Township, fiscal year 2027
| Studio | 1 bedroom | 2 bedrooms | 3 bedrooms | 4 bedrooms |
|---|---|---|---|---|
| $837 | $842 | $1,102 | $1,415 | $1,448 |
HUD income limits for Otsego Township, fiscal year 2026
| Household size | Extremely low (30%) | Very low (50%) | Low (80%) |
|---|---|---|---|
| 1 person | $20,100 | $33,500 | $53,600 |
| 2 people | $23,000 | $38,300 | $61,250 |
| 3 people | $27,320 | $43,100 | $68,900 |
| 4 people | $33,000 | $47,850 | $76,550 |
| 5 people | $38,680 | $51,700 | $82,700 |
| 6 people | $44,360 | $55,550 | $88,800 |
| 7 people | $50,040 | $59,350 | $94,950 |
| 8 people | $55,720 | $63,200 | $101,050 |
These are the limits HUD sets for its housing programs in the Steuben County, IN, where HUD’s median family income for fiscal year 2026 is $95,700.
A program can use its own limits; tax-credit and local programs often do.
Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.
Margins of error are at the 90% confidence level.
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Questions about Otsego Township
What is the average rent in Otsego Township, IN?
The Census Bureau publishes the median rather than the average: the median gross rent in Otsego Township is $1,075 (±$88) a month (2020–2024 American Community Survey), so half of renting households pay less and half pay more.
How many renters are there in Otsego Township?
Otsego Township has an estimated 192 (±93) renting households, 17.3% of its occupied homes (2020–2024 American Community Survey).
What is the median household income in Otsego Township?
The median household income in Otsego Township is $78,828 (±$15,017) a year (2020–2024 American Community Survey).
What is the average home value in Otsego Township, IN?
The Census Bureau publishes the median: $301,700 (±$49,539) for owner-occupied homes in Otsego Township (2020–2024 American Community Survey).
What is the average mortgage payment in Otsego Township?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Otsego Township, IN is $1,560 (±$341) a month, including taxes, insurance and utilities.
How much are property taxes in Otsego Township?
The median real estate tax paid by homeowners in Otsego Township, IN is $1,829 (±$239) a year (2020–2024 American Community Survey).
Is Otsego Township growing?
In Otsego Township, the number of residents went from 2,560 in 2015–2019 to 2,496 in 2020–2024 (−2.5%), a measurable decrease.
What ZIP codes are in Otsego Township?
The ZIP codes that cover Otsego Township are 46742, 46779.
What is the median rent in ZIP code 46742?
The median gross rent in ZIP Code Tabulation Area 46742 is $968 (±$274) a month (2020–2024 American Community Survey).
Sources
- Demographic and Housing Estimates (DP05), 2020–2024 ACS 5-year estimates — Otsego township, Steuben County, Indiana
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Otsego township, Steuben County, Indiana
- Selected Economic Characteristics (DP03), 2020–2024 ACS 5-year estimates — Otsego township, Steuben County, Indiana
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Otsego township, Steuben County, Indiana
- Selected Social Characteristics (DP02), 2020–2024 ACS 5-year estimates — Otsego township, Steuben County, Indiana
- Total Population (B01003), 2015–2019 ACS 5-year estimates — Otsego township, Steuben County, Indiana
- Median Gross Rent (B25064), 2015–2019 ACS 5-year estimates — Otsego township, Steuben County, Indiana
- HUD Fair Market Rents, fiscal year 2027: Steuben County, IN
- HUD Income Limits, fiscal year 2026: Steuben County, IN
- US Census Bureau, American Community Survey 2020–2024 5-year estimates for ZIP Code Tabulation Areas
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
- US Census Bureau, 2024 Gazetteer Files
To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) for Otsego township, Steuben County, Indiana (county subdivision:57240, in state:18 county:151).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B01003_001E, B01003_001M, B25064_001E, B25064_001M from the 2019 release.
The API needs a free key.
DP05_0001E, DP05_0001M, DP04_0001E, DP04_0001M, DP04_0047PE, DP04_0047PM, DP04_0134E, DP04_0134M, DP03_0062E, DP03_0062M, DP04_0089E, DP04_0089M
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.
Figures last updated on .