Median Income
$65,031
13% lower than US avg
Home Value
$187,800
33% lower than US avg
Violent Crime
244/100K
36% lower than US avg
Bachelor's+
47.6%
41% higher than US avg
Median Rent
$986
15% lower than US avg
Obesity Rate
33.3%
4% higher than US avg
Unemployment
1.6%
56% lower than US avg
Poverty Rate
12.4%
0% lower than US avg
How Oneonta Compares to the U.S. Average (100% = U.S. avg)
People
Population14,467
Median Age23.1 yrs
Density3,318/mi²
Male / Female48% / 52%
Largest GroupWhite 83%
Veterans3.4%
Economy
B+
Median Income$65,031
Per Capita$28,183
Unemployment1.6%
Poverty12.4%
County GDP$3,518M
Commute15 min
Housing
A+
Home Value$187,800
Rent$986
Ownership51.1%
Zillow$179,512
Housing Units5,627
Rent Burden28.2%
Crime
F
Violent244/100K
Property1,042/100K
Murder0.0/100K
Assault151/100K
Burglary208/100K
Health
Obesity33.3%
Uninsured6.3%
Smoking14.3%
Depression21.6%
Heart Disease5.7%
Climate
Avg Temp45°F (7°C)
AQI36 (Good)
Rain44.8 in/yr
Sunny Days246/yr
Elevation1,147 ft (350 m)
Education
A+
Bachelor's+47.6%
High School+94.4%
Graduate+24.6%
School Score5.34
Community
2024 VoteR 54% / D 46%
Commute15 min
Broadband90.4%
EV Stations17
Libraries13
Is Oneonta a Good Place to Live?
Based on current data, Oneonta receives an overall livability score of 3.7 out of 5.0, earning a grade of B+. Key strengths include low unemployment, low crime rates, a highly educated population, affordable housing. Oneonta offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Oneonta is $65,031, 13% below the national average of $75,149. The job market is very strong with unemployment at just 1.6%. 12.4% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 15 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Oneonta is $187,800, 33% below the national median / offering relatively affordable homeownership. Renters pay a median of $986 per month, below the national average / a plus for affordability. At just 2.9x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Oneonta is below the national average at 244 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 1,042 per 100,000, 47% below the national average.
Education
Educational attainment is solid, with 47.6% holding a bachelor's degree or higher, near the national average. 94.4% have completed high school. Area schools have an average test score of 5.3/10.
Climate & Weather
Oneonta has a cool climate with an average annual temperature of 45°F. Winters average 21°F in January while summers reach 67°F in July. The area gets 246 sunny days per year. Annual precipitation totals 44.8 inches, including 83.0 inches of snow. Air quality is rated Good with a median AQI of 36.
Oneonta has a population of 14,467 with a density of 3,318 people per square mile, spread across 4.4 square miles. The median age is 23.1 years, 41% younger than the national median of 38.9. The gender split is 51.7% female and 48.3% male. The city is predominantly White (83.2%), with 1.1% Hispanic, 6.8% Black. English is the primary language spoken at home by 92% of residents, while 8% speak Spanish. 3.4% of the population are veterans, below the national rate of 6.0%. 10.3% of residents have a disability (below the 13.0% national average). 96.4% have health insurance coverage.
Population
23.1yrs
Median Age
41% below US avg
Language Spoken at Home
English Only
92.0%
17% above US avg
Spanish
8.0%
40% below US avg
The median household income in Oneonta is $65,031, which is 13% below the national average of $75,149. Per capita income is $28,183 (below the $39,052 national figure). The average weekly wage is $1,160, 19% lower than the U.S. average. The unemployment rate is 1.6% (below the 3.6% US average). 12.4% of residents live below the poverty line. The area has 1,538 business establishments, including 190 restaurants. The cost of living index is 107.9, slightly above the national baseline of 100. Workers commute an average of 15 minutes (shorter than the 28-minute US average). 6.8% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $65,031 |
| 13% below US avg |
| Per Capita Income | $28,183 |
| Avg Weekly Wage | $1,160 |
| IRS Avg AGI | $67,606 |
| Gini Index | 0.454 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.6% |
| 56% below US avg |
| Poverty Rate | 12.4% |
| 0% below US avg |
| Establishments (County) | 1,538 |
| County GDP | $3,518M |
Business (County)
| Restaurants | 190 |
| Healthcare | 156 |
| Retail | 243 |
| Manufacturing | 56 |
Tax & Cost of Living
| Property Tax (IRS) | $7,079 |
| 102% above US avg |
| Cost of Living | 107.90 (100=avg) |
| Effective Tax Rate | 3.77% |
Commute & Transportation
| Commute Time | 14.7 min |
| Drive Alone | 70.0% |
| Public Transit | 1.9% |
| Work from Home | 6.8% |
The median home value in Oneonta is $187,800, 33% below the national median of $281,900. Zillow estimates the typical home value at $179,512. Homes sell for 90.9% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $986 (15% below the national average of $1,163). Fair market rent ranges from $1,315 for a one-bedroom to $1,579 for a two-bedroom apartment. 51.1% of housing units are owner-occupied (below the 65.4% national rate). There are 5,627 total housing units in the city. The median year a home was built is 1938. The average annual property tax is $7,079 (higher than the $3,500 national average). 28.2% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.9x, well within the affordable range.
Home Values
| Census Median | $187,800 |
| 33% below US avg |
| Zillow ZHVI | $179,512 |
| Median List Price | $214,500 |
Real Estate Market (Redfin)
| Median List Price | $214,500 |
| $/Sq Ft | $124 |
| Homes Sold | 6 |
| Sale-to-List Ratio | 90.9% |
| Price Drops | 3.1% |
| Inventory | 32 |
Rental Costs
| Census Median Rent | $986 |
| 15% below US avg |
| Rent Burden | 28.2% |
HUD Fair Market Rent
| Studio | $1,215 |
| 1 Bedroom | $1,315 |
| 2 Bedrooms | $1,579 |
| 3 Bedrooms | $1,976 |
| 4 Bedrooms | $2,193 |
Ownership & Property
| Homeownership | 51.1% |
| Owner-Occupied | 51.1% |
| Renter-Occupied | 48.9% |
| Housing Units | 5,627 |
| Median Year Built | 1938 |
Property Tax
| Avg Tax (IRS) | $7,079 |
| 102% above US avg |
| Effective Rate | 3.77% |
In Oneonta, 33.3% of adults are obese, above the national rate of 32.1%. 9.8% have diabetes. Heart disease affects 5.7% of residents. 30.7% have high blood pressure. 14.3% are current smokers. 17.6% report binge drinking. 24.8% are physically inactive. 21.6% report depression. 18.3% experience frequent mental distress. 6.3% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:727. The dentist ratio is 1:2,246. 49.3% of residents have access to exercise opportunities. The food environment index is 7.7 out of 10.
Air Quality (Open-Meteo CAMS — 2026-05-26)
PM2.5
5.2
μg/m³
Fine particulate
PM10
5.9
μg/m³
Coarse particulate
NO₂
2.1
μg/m³
Nitrogen dioxide
SO₂
0.4
μg/m³
Sulphur dioxide
CO
150.0
μg/m³
Carbon monoxide
Health Metrics: Oneonta vs U.S. Average (%)
Chronic Conditions
| Obesity | 33.3% |
| 4% above US avg |
| Diabetes | 9.8% |
| Heart Disease | 5.7% |
| High Blood Pressure | 30.7% |
| Asthma | 11.7% |
| COPD | 6.7% |
| Cancer | 7.6% |
| Stroke | 3.1% |
Behaviors & Mental Health
| Smoking | 14.3% |
| 2% above US avg |
| Binge Drinking | 17.6% |
| Physical Inactivity | 24.8% |
| Depression | 21.6% |
| Mental Distress | 18.3% |
| Physical Distress | 13.5% |
| Short Sleep | 38.8% |
Healthcare Access
| Insurance Rate | 96.4% |
| Uninsured | 6.3% |
| 27% below US avg |
| Primary Care | 1:727 |
| Dentists | 1:2,246 |
| Mental Health | 1:439 |
| Checkup Rate | 77.3% |
| Dental Visits | 60.5% |
| Premature Death | 8,049/100K |
Food & Exercise
| Food Environment | 7.7/10 |
| Exercise Access | 49.3% |
| Healthcare Facilities | 156 |
Oneonta has a violent crime rate of 244 per 100,000 residents, 36% below the national average of 380. This breaks down to aggravated assault at 150.9 per 100,000, robbery at 21.6, rape at 71.9. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 1,042 per 100,000, 47% below the U.S. average. This includes larceny/theft at 776, burglary at 208, vehicle theft at 57 per 100,000 residents. The county recorded 6 fatal traffic crashes. Overall, Oneonta receives a safety grade of F.
Crime Rates: Oneonta vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 244.3/100K |
| 36% below US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 71.9/100K |
| Robbery | 21.6/100K |
| Assault | 150.9/100K |
Property Crime
| Total Property | 1,042.0/100K |
| 47% below US avg |
| Burglary | 208.4/100K |
| Theft | 776.1/100K |
| Vehicle Theft | 57.5/100K |
| Arson | 7.2/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 6 |
| Traffic Accidents | 48 |
| Avg Accident Severity | 2.9 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Oneonta has a cool climate with an average annual temperature of 45°F (7°C). Winters average 21°F in January while summers reach 67°F in July. The area gets 246 sunny days per year, above the national average. Annual precipitation totals 44.8 inches. The area receives 83.0 inches of snow annually, making winter weather a significant factor for residents. Air quality is rated Good with a median AQI of 36. The city sits at an elevation of 1,147 feet.
Temperature
21°F Jan (-6°C)
67°F Jul (19°C)
| Annual Average | 44.6°F |
| 17% below US avg |
| January Average | 21°F (-6°C) |
| July Average | 67°F (19°C) |
| Sunny Days | 246 days/yr |
Geography
| Elevation | 1,147 ft (350 m) |
| Area | 4.4 sq mi (11.3 km²) |
| Population Density | 3,318/sq mi |
| Coordinates | 42.4548°N, 75.0669°W |
| Timezone | America/New_York |
| County | Otsego County County |
| Nearest Airport | Albert S Nader Regional (ONH) 5 miles away |
Precipitation & Snow
Annual Rainfall
44.8"
18% above US avg
Wettest Month (Jun)
4.13"
Air Quality
| AQI Median | 36.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 75.8 / 100 |
| Social Vulnerability | 56.8 / 100 |
| Community Resilience | 87.7 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Relatively Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Moderate |
| Hail |
Very Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Low |
| Drought |
No Rating |
| Cold Wave |
Relatively Moderate |
| Landslide |
Relatively Low |
| Avalanche |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
15 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.0. Most recent: M3.1 on Mar 11, 2020.
| Jun 17, 1991 |
7 km NE of Worcester, New York |
M4.0 |
37 km |
| Jul 31, 1997 |
0 km WSW of Lyons Falls, New York |
M3.2 |
132 km |
| Dec 13, 2009 |
15 km N of Medusa, New York |
M3.2 |
80 km |
| Mar 11, 2020 |
0 km SSW of South Glens Falls, New York |
M3.1 |
149 km |
| Jul 24, 2007 |
12 km SSW of Altamont, New York |
M3.1 |
80 km |
| May 18, 2009 |
15 km N of Medusa, New York |
M3.1 |
79 km |
| Oct 21, 2009 |
15 km N of Medusa, New York |
M2.9 |
80 km |
| Mar 22, 2009 |
9 km SW of Altamont, New York |
M2.8 |
81 km |
| Aug 27, 2011 |
5 km WSW of Altamont, New York |
M2.8 |
84 km |
| Aug 25, 2011 |
5 km WSW of Altamont, New York |
M2.7 |
84 km |
| Feb 18, 2009 |
15 km N of Medusa, New York |
M2.7 |
80 km |
| Feb 27, 2008 |
2 km SW of Central Bridge, New York |
M2.7 |
64 km |
| Feb 20, 2009 |
15 km SSW of Altamont, New York |
M2.7 |
81 km |
| Jul 24, 2007 |
13 km SSW of Altamont, New York |
M2.6 |
79 km |
| Dec 13, 2009 |
14 km N of Medusa, New York |
M2.6 |
80 km |
Source: USGS (M2.5+, 1990–2025)
Hurricane History
1 hurricane (Cat 1+) within 500 km since 1980.
Strongest: Category 1. Most recent: Gloria (1985, Cat 1).
| Year |
Name |
Category |
Closest |
| 1985 |
Gloria |
Category 1 |
197 km |
Source: NOAA IBTrACS (Cat 1+, 1980–2026)
Tornado History
159 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 8 fatalities, 91 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jul 10, 1989 |
EF4 |
61 km |
0 |
| May 22, 2014 |
EF3 |
82 km |
0 |
| May 31, 1998 |
EF3 |
9 km |
0 |
| May 31, 1998 |
EF3 |
99 km |
0 |
| Jul 16, 2024 |
EF2 |
91 km |
0 |
| Apr 22, 2023 |
EF2 |
73 km |
0 |
| Jul 8, 2014 |
EF2 |
76 km |
4 |
| May 29, 2013 |
EF2 |
83 km |
0 |
| Apr 28, 2011 |
EF2 |
59 km |
0 |
| Jul 23, 2010 |
EF2 |
91 km |
0 |
| May 16, 2009 |
EF2 |
77 km |
0 |
| Jul 21, 2003 |
EF2 |
95 km |
0 |
| May 31, 1998 |
EF2 |
47 km |
0 |
| Sep 18, 1991 |
EF2 |
84 km |
0 |
| Jul 23, 1990 |
EF2 |
86 km |
0 |
| Oct 14, 1989 |
EF2 |
58 km |
2 |
| Oct 1, 1986 |
EF2 |
45 km |
0 |
| Sep 18, 1977 |
EF2 |
67 km |
0 |
| Jun 16, 1976 |
EF2 |
25 km |
0 |
| Mar 21, 1976 |
EF2 |
99 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
2 wildfires (100+ acres) within 100 km.
Largest: CHERRYTOWN FIRE (943 ac, 2006).
| Year |
Name |
Acres |
Distance |
| 2006 |
CHERRYTOWN FIRE |
943 |
88 km |
| 2024 |
WHITEHOUSE |
607 |
80 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
21°F (-6°C) |
2.7 in |
Coldest |
| February |
22°F (-6°C) |
2.4 in |
Driest |
| March |
31°F (-0°C) |
3.2 in |
|
| April |
43°F (6°C) |
3.5 in |
|
| May |
54°F (12°C) |
4.0 in |
|
| June |
62°F (17°C) |
4.1 in |
Wettest |
| July |
67°F (19°C) |
3.9 in |
Warmest |
| August |
66°F (19°C) |
3.8 in |
|
| September |
58°F (15°C) |
3.7 in |
|
| October |
48°F (9°C) |
3.4 in |
|
| November |
37°F (3°C) |
3.6 in |
|
| December |
26°F (-3°C) |
3.2 in |
|
Oneonta has a seasonal temperature swing of 46°F / from 21°F in January to 67°F in July. Total annual precipitation is 41.4 inches, with June being the wettest month (4.1") and February the driest (2.4").
Average costs for common services in Oneonta. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$270 ($162–$432) |
| Specialist Visit |
$378 ($216–$593) |
| Urgent Care Visit |
$216 ($108–$378) |
| Emergency Room Visit |
$2,374 ($863–$5,395) |
| Dental Cleaning |
$140 ($81–$216) |
| Dental Filling |
$270 ($162–$432) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$49 ($27–$81) |
| Oil Change (Synthetic) |
$81 ($54–$129) |
| Brake Pad Replacement |
$324 ($162–$540) |
| Tire Rotation |
$43 ($22–$81) |
| New Tires (Set of 4) |
$647 ($432–$1,079) |
| Battery Replacement |
$216 ($108–$378) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$108 ($65–$162) |
| Electrician (Per Hour) |
$97 ($54–$151) |
| HVAC Repair |
$432 ($162–$863) |
| HVAC System Install |
$7,553 ($4,316–$12,948) |
| Roof Repair |
$1,079 ($432–$2,158) |
| Roof Replacement |
$9,711 ($5,935–$16,185) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,619 ($540–$3,777) |
| Divorce (Contested) |
$16,185 ($5,395–$32,370) |
| DUI Defense |
$5,395 ($2,158–$10,790) |
| Bankruptcy (Chapter 7) |
$1,619 ($863–$3,237) |
| Will Preparation |
$540 ($216–$1,079) |
| Trust Preparation |
$2,698 ($1,079–$5,395) |
View all 12 services
Personal Care
| Men's Haircut |
$27 ($16–$49) |
| Women's Haircut |
$59 ($32–$108) |
| Hair Coloring (Full) |
$162 ($81–$270) |
| Manicure |
$27 ($16–$49) |
| Pedicure |
$43 ($27–$70) |
| Massage (1 Hour) |
$86 ($54–$140) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.42 ($3.24–$5.93) |
| Dozen Eggs (per dozen) |
$3.78 ($2.70–$5.40) |
| Loaf of Bread |
$4.10 ($2.70–$5.93) |
| Chicken Breast (per lb) |
$4.86 ($3.24–$7.01) |
| Ground Beef (per lb) |
$5.93 ($4.32–$8.09) |
| Rice (per lb) |
$1.08 ($0.65–$1.94) |
View all 20 services
Utilities
| Electricity (Monthly) |
$151 ($86–$270) |
| Natural Gas (Monthly) |
$76 ($32–$162) |
| Water/Sewer (Monthly) |
$76 ($43–$129) |
| Internet (Monthly) |
$76 ($43–$108) |
| Cell Phone Plan (Monthly) |
$70 ($32–$108) |
| Cable TV (Monthly) |
$92 ($54–$162) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$216 ($81–$540) |
| Car Insurance (Annual) |
$2,158 ($1,295–$3,777) |
| Bus Pass (Monthly) |
$76 ($32–$140) |
| Taxi/Uber (5-Mile Ride) |
$16 ($8.63–$27) |
| Car Registration (Annual) |
$108 ($32–$270) |
| Driver's License Renewal |
$32 ($16–$81) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,295 ($647–$2,698) |
| Daycare (Toddler, Monthly) |
$1,079 ($540–$2,158) |
| After-School Care (Monthly) |
$432 ($216–$755) |
| Tutoring (Per Hour) |
$54 ($27–$108) |
| SAT/ACT Prep Course |
$1,079 ($432–$2,698) |
| Private School (K-12, Annual) |
$13,488 ($5,395–$32,370) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$65 ($32–$108) |
| Dog Vaccination (Annual) |
$108 ($54–$216) |
| Dog Grooming |
$65 ($32–$108) |
| Pet Boarding (Per Night) |
$43 ($22–$81) |
| Dog Spay/Neuter |
$324 ($162–$540) |
| Cat Spay/Neuter |
$216 ($108–$432) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $1,070 |
| Toddler | $996 |
| Preschool | $866 |
| Family Childcare (monthly) |
| Infant | $823 |
| Toddler | $779 |
| Preschool | $758 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Oneonta
What is the population of Oneonta?
Oneonta has a population of 14,467 residents and is located in New York. The population density is 3,318 people per square mile, spread across 4.4 square miles. The median age of residents is 23.1 years, which is younger than the national median of 38.9 years. The population is 51.7% female and 48.3% male.
Is Oneonta expensive to live in?
Oneonta is slightly more expensive than average, with a cost of living index of 107.9 compared to the national baseline of 100. The median household income is $65,031, 13% below the national average of $75,149. The median home value is $187,800 (33% below the U.S. median). Renters pay a median of $986 per month, below the national average of $1,163. The home price-to-income ratio is 2.9x, indicating housing is reasonably affordable relative to local income levels.
Is Oneonta safe?
Oneonta is safer than the national average, with a violent crime rate of 244 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 1,042 per 100,000 (below the national average). Overall, Oneonta receives a safety grade of F based on combined crime data.
What is the weather like in Oneonta?
Oneonta has a cool climate with an average annual temperature of 45°F (7°C). Winter temperatures average 21°F in January, while summers reach an average of 67°F in July. The area receives 246 sunny days per year. Annual rainfall totals 44.8 inches, with 83.0 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 36.
How is the job market in Oneonta?
The job market in Oneonta is very strong, with unemployment at just 1.6% / well below the national rate of 3.6%. The average weekly wage is $1,160. There are 1,538 business establishments in the area, including 190 restaurants and food service locations. The average commute time is 15 minutes, and 6.8% of workers work from home.
How much does housing cost in Oneonta?
The median home value in Oneonta is $187,800. Zillow estimates the typical home value at $179,512. For renters, the median monthly rent is $986. Fair market rent is $1,315 for a 1-bedroom and $1,579 for a 2-bedroom apartment. The homeownership rate is 51.1%. The average annual property tax is $7,079.
How are the schools in Oneonta?
Schools in Oneonta score 5.3 out of 10 on standardized testing, near the national average. 47.6% of adults in Oneonta hold a bachelor's degree or higher, above the national average of 33.7%. 94.4% have completed high school. 24.6% hold a graduate or professional degree.
How healthy is Oneonta?
The obesity rate in Oneonta is 33.3% (above the national rate of 32.1%). 14.3% of adults are smokers. 24.8% are physically inactive. 21.6% of residents report depression. 6.3% lack health insurance (below the national rate). 49.3% of residents have access to exercise opportunities. The primary care physician ratio is 1:727.
What is transportation like in Oneonta?
The average commute in Oneonta is 15 minutes, shorter than the national average of 28 minutes. 70% of workers drive alone to work, 1.9% use public transit, and 6.8% work from home.
What are the demographics of Oneonta?
The racial and ethnic makeup of Oneonta is 83.2% White, 6.8% Black or African American, 1.1% Hispanic or Latino. 92% of residents speak only English at home, while 8% speak Spanish. 3.4% of the population are military veterans. 10.3% of residents have a disability. 96.4% have health insurance coverage.