Oneida County, NY Average Home Price (2026)
The average home price in Oneida County, New York is about $241,000 (the 2026 median across 40 ZIP codes, at ~$167/sq ft) — 28% more affordable than the New York median and 17% more affordable than the typical U.S. home.
How Oneida County compares
Oneida County is about average for housing nationally: its typical home costs $241,000 against $333,000 for New York and $289,000 for the U.S. Within the county, ZIP-level values run from about $174,000 to $311,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Oneida County | $241,000 | $167 |
| New York | $333,000 | $241 |
| United States | $289,000 | $193 |
Oneida County home prices by ZIP code
The 15 most valuable ZIP codes in Oneida County (of 40 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 13413 New Hartford | $311,000 | $232 | +29% |
| 13323 Clinton | $307,000 | $190 | +27% |
| 13403 Marcy | $306,000 | $279 | +27% |
| 13304 Barneveld | $299,000 | $146 | +24% |
| 13494 Woodgate | $295,000 | $542 | +22% |
| 13456 Sauquoit | $294,000 | $167 | +22% |
| 13354 Holland Patent | $287,000 | $150 | +19% |
| 13303 Ava | $277,000 | $236 | +15% |
| 13328 Deansboro | $275,000 | $141 | +14% |
| 13492 Whitesboro | $268,000 | $182 | +11% |
| 13477 Vernon Center | $265,000 | $205 | +10% |
| 13424 Oriskany | $259,000 | $161 | +7% |
| 13461 Sherrill | $259,000 | $194 | +7% |
| 13042 Cleveland | $256,000 | $255 | +6% |
| 13318 Cassville | $256,000 | $211 | +6% |
Home value appreciation in Oneida County
Home prices in Oneida County have risen about 92% over the last 10 years (≈6.7% a year) and +120.4% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +6.3% — still rising. A home worth $241,000 today was worth roughly $125,455 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, New York is +85.6% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Oneida County
Run the numbers for Oneida County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Oneida County
To buy the typical $241,000 home in Oneida County with 20% down, you need a household income of roughly $66,000 a year (about $1,530 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $78,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $12,100 | $1,900/mo | $81,000/yr |
| 10% (+PMI) | $24,100 | $1,820/mo | $78,000/yr |
| 20% | $48,200 | $1,530/mo | $66,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Oneida County
At about $167 per square foot, here is roughly how much home different budgets get you in Oneida County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 900 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1200 sq ft | around the typical home here |
| $250k | 1500 sq ft | around the typical home here |
| $300k | 1800 sq ft | around the typical home here |
| $400k | 2400 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to New York.
Estimate a specific home in Oneida County
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Oneida County home prices: frequently asked
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Browse all New York cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.