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Otter Lake, NY

New York

Otter Lake is a small town in New York with a population of 109. Residents earn $83,750 per year, which is 11% above the national average.

4.8 /5.0
A+ Excellent
109 Population 232/sq mi density
$83,750 Median Income $68,621 per capita
$262,500 Home Value
41°F Avg Temperature 259 sunny days/yr
A+
Overall
4.8 / 5.0
Excellent overall score based on economy, affordability, safety and education
A+
Economy
4.7 / 5.0
$83,750 median income, 0.0% unemployment
A+
Affordability
4.9 / 5.0
$262,500 home value
A+
Education
4.9 / 5.0
48.4% bachelor's degree or higher
Median Income $83,750
11% higher than US avg
Home Value $262,500
7% lower than US avg
Bachelor's+ 48.4%
44% higher than US avg
Obesity Rate 34.5%
7% higher than US avg
Unemployment 0.0%
100% lower than US avg
Poverty Rate 3.7%
70% lower than US avg

How Otter Lake Compares to the U.S. Average (100% = U.S. avg)

People

Population109
Median Age62.1 yrs
Density232/mi²
Male / Female51% / 50%
Largest GroupWhite 95%
Veterans93.0%

Economy

A+
Median Income$83,750
Per Capita$68,621
Unemployment0.0%
Poverty3.7%
County GDP$1,659M
Commute32 min

Housing

A+
Home Value$262,500
RentN/A
OwnershipN/A
Housing Units285
Rent Burden25.5%

Health

Obesity34.5%
Uninsured5.4%
Smoking13.4%
Depression21.7%
Heart Disease5.6%

Climate

Avg Temp41°F (5°C)
AQI36 (Good)
Rain50.2 in/yr
Sunny Days259/yr
Elevation1,521 ft (464 m)

Education

A+
Bachelor's+48.4%
High School+96.8%
Graduate+16.5%
School Score5.39

Community

2024 VoteR 72% / D 28%
Commute32 min
Broadband66.0%
Libraries10

Is Otter Lake a Good Place to Live?

Based on current data, Otter Lake receives an overall livability score of 4.8 out of 5.0, earning a grade of A+. Key strengths include above-average household incomes, low unemployment, a highly educated population, abundant sunshine. Otter Lake stands out as an excellent place to live, with strong marks across most quality-of-life indicators.

Economy & Jobs

The median household income in Otter Lake is $83,750, 11% above the national average of $75,149. Residents generally enjoy above-average earning potential. The job market is very strong with unemployment at just 0.0%. Only 3.7% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 32 minutes.

Cost of Living & Housing

The median home value in Otter Lake is $262,500, roughly aligned with the national median of $281,900. A price-to-income ratio of 3.1x indicates a reasonably affordable housing market.

Education

Educational attainment is solid, with 48.4% holding a bachelor's degree or higher, near the national average. 96.8% have completed high school. Area schools have an average test score of 5.4/10.

Climate & Weather

Otter Lake has a cool climate with an average annual temperature of 41°F. Winters average 15°F in January while summers reach 65°F in July. With 259 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 50.2 inches. Air quality is rated Good with a median AQI of 36.

Otter Lake has a population of 109 with a density of 232 people per square mile. The median age is 62.1 years, 60% older than the national median of 38.9. The city is predominantly White (94.5%), with 1.8% Hispanic, 3.7% Black.

Population

109
Total Population
232
People / sq mi
62.1yrs
Median Age
60% above US avg
0.5mi²
Land Area

Gender Distribution

Male 50.5%
Female 49.5%

Race & Ethnicity

Otter Lake vs U.S. Average

Language Spoken at Home

English Only92.0%
17% above US avg
Spanish8.0%
40% below US avg

Social Characteristics

Otter Lake vs U.S. Average

The median household income in Otter Lake is $83,750, which is 11% above the national average of $75,149. The unemployment rate is 0.0% (below the 3.6% US average). 3.7% of residents live below the poverty line. Workers commute an average of 32 minutes.

Income: Otter Lake vs U.S.

Commute Mode

Income

Median HH Income$83,750
11% above US avg
Per Capita Income$68,621
Avg Weekly Wage$1,051
IRS Avg AGI$62,980

Employment & Poverty

Unemployment0.0%
100% below US avg
Poverty Rate3.7%
70% below US avg
Establishments (County)600
County GDP$1,659M

Business (County)

Restaurants65
Healthcare41
Retail73
Manufacturing21

Tax & Cost of Living

Property Tax (IRS)$5,757
64% above US avg
Cost of Living107.90 (100=avg)
Effective Tax Rate2.19%

Commute & Transportation

Commute Time32.4 min
Drive Alone91.3%
Public Transit0.0%
Work from Home8.7%

Walkability

The median home value in Otter Lake is $262,500, 7% below the national average.

Home Value Sources

Ownership Split

Home Values

Census Median$262,500
7% below US avg

Real Estate Market (Redfin)

Rental Costs

Rent Burden25.5%

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

Owner-Occupied100.0%
Housing Units285
Median Year Built1945

Property Tax

Avg Tax (IRS)$5,757
64% above US avg
Effective Rate2.19%
In Otter Lake, 34.5% of adults are obese (above the 32.1% national rate). 5.4% of residents lack health insurance. 13.4% are current smokers. 21.7% report depression. 22.4% are physically inactive.

Health Metrics: Otter Lake vs U.S. Average (%)

Chronic Conditions

Obesity34.5%
7% above US avg
Diabetes8.4%
Heart Disease5.6%
High Blood Pressure30.3%
Asthma10.9%
COPD5.9%
Cancer7.7%
Stroke2.8%

Behaviors & Mental Health

Smoking13.4%
4% below US avg
Binge Drinking21.0%
Physical Inactivity22.4%
Depression21.7%
Mental Distress17.5%
Physical Distress12.0%
Short Sleep39.7%

Healthcare Access

Insurance Rate100.0%
Uninsured5.4%
37% below US avg
Primary Care1:1,476
Dentists1:5,340
Mental Health1:466
Checkup Rate77.6%
Dental Visits62.3%
Premature Death7,011/100K

Food & Exercise

Food Environment8.3/10
Exercise Access44.2%
Healthcare Facilities41
Otter Lake has an average annual temperature of 41°F (5°C). Winters average 15°F in January while summers reach 65°F in July. Annual precipitation is 50.2 inches. The area enjoys 259 sunny days per year. Air quality is rated Good with a median AQI of 36.

Temperature

15°F Jan (-10°C) 65°F Jul (18°C)
Annual Average41.3°F
24% below US avg
January Average15°F (-10°C)
July Average65°F (18°C)
Sunny Days259 days/yr

Precipitation & Snow

Annual Rainfall50.2 inches
32% above US avg

Air Quality

AQI Median36.0
RatingGood

Geography

Elevation1,521 ft (464 m)
Area0.5 sq mi (1.2 km²)
Population Density232/sq mi
Coordinates43.5927°N, 75.1174°W
TimezoneAmerica/New_York
County FIPS36049
It is classified as Nonmetro — Rural, adjacent. 48.4% of residents hold a bachelor's degree or higher (44% above US avg). In the 2024 election, the county voted Republican by a 44.4-point margin. 66.0% of households have broadband internet.

2024 Presidential Election (County)

R 72.2%
D 27.8%

Winner: Republican by 44.4 points

Education

Bachelor's Degree+48.4%
44% above US avg
High School+96.8%
Graduate Degree+16.5%
School Test Score5.39
A+ Education Grade (4.9/5.0)

Urban-Rural Classification

RUCC Code 8Nonmetro — Rural, adjacent
Population Density232/sq mi
Total Area0.5 sq mi

Infrastructure & Services

Broadband Access66.0%
Public Libraries10
Healthcare Facilities41
Restaurants65
Retail Stores73

Safety & Disasters

Fatal Crashes (County/yr)8

Commute & Transportation

Avg Commute32.4 min
Drive Alone91.3%
Public Transit0.0%
Work from Home8.7%

Nearby Cities

Boonville, NY 1,967 pop · 13.1 mi Lowville, NY 3,432 pop · 22.8 mi Lake Delta, NY 3,005 pop · 27.5 mi Rome, NY 31,795 pop · 31.5 mi Oriskany, NY 1,233 pop · 32.0 mi Whitesboro, NY 3,643 pop · 33.6 mi Yorkville, NY 2,638 pop · 34.1 mi Utica, NY 64,440 pop · 34.7 mi New York Mills, NY 2,989 pop · 35.1 mi Camden, NY 2,626 pop · 36.2 mi Carthage, NY 3,546 pop · 36.2 mi West Carthage, NY 1,918 pop · 36.4 mi New Hartford, NY 2,054 pop · 37.1 mi Clark Mills, NY 1,606 pop · 37.4 mi
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