Otter Lake is a small town of 88 in New York, with a median household income of $81,250
.
Its cost of living index is 92 (US average = 100), which is
8% below the national average.
Strengths:
Otter Lake stands out for an affordable cost of living.
Trade-offs:
No major red flags stand out in the available data. Whether Otter Lake is right for you depends on your priorities — the full breakdown is below.
All Otter Lake city data on this page comes from official government sources —
the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.
Cost of Living
Index: 92.3
Otter Lake's overall cost of living index is 92.3,
where 100 represents the US national average.
Living in Otter Lake costs roughly 8% less than the average American city.
Metric
Otter Lake, NY
National Avg
Median Home Value
$250,000
$244,900
Median Monthly Rent
N/A
$1,163
Homeownership Rate
100.0%
65.9%
Median Household Income
$81,250
$74,755
Crime & Safety
Very Safe
Otter Lake's violent crime rate is 199.0 per 100,000 residents
— 48% lower than the national average of ~380 per 100,000.
Violent Crime
199.0 /100k
Property Crime
1214.4 /100k
Vertical marker = national average. Source: FBI UCR Program.
Schools & Education
Metric
Otter Lake, NY
National Avg
School District
N/A
—
Elementary Schools
N/A
—
Middle Schools
N/A
—
High Schools
N/A
—
Student/Teacher Ratio
N/A
16:1
Bachelor's Degree or Higher
34.2%
35.4%
High School Diploma or Higher
96.2%
91.1%
Weather & Climate
Otter Lake sees average highs of 26.1°F in January
and 74.7°F in July,
with 49.8 inches of annual precipitation
and 157.9 inches of snow per year.
Otter Lake's cost of living index is 92, where 100 is the national average.
That makes Otter Lake roughly 8% less expensive than a typical US city — a meaningful affordability advantage.
The median home price is $250,000 and median rent is N/A/month.
Otter Lake's violent crime rate is 199.0 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 1214.4 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.
School district information is sourced from NCES Common Core of Data.
Otter Lake, NY has a population of 88, a median household income of $81,250, and an unemployment rate of 0.0%.
It offers below-average costs of living, which stretches take-home pay further than in most American cities. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.
Otter Lake averages 26.1°F in January and 74.7°F in July. Annual rainfall is 49.8 inches
with about 157.9 inches of snow per year.
Based on NOAA 30-year climate normals (1991–2020).
The population of Otter Lake, New York is 88 with a median age of 62.0. Source: US Census ACS 5-Year Estimates.
Key numbers for living in Otter Lake: cost of living index 92 (100 = US average), median home $250,000, median household income $81,250, crime index 55 (100 = US average, lower is safer). Whether these are benefits or drawbacks depends on where you're coming from — compare Otter Lake side by side with your current city to see the trade-offs.