Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$237,718+5.6% YoY · prices are rising fast
Market right nowBalanced, leaning sellersMore homes for sale than last year, 16% have cut their price
Income needed to buy, per year$51,532About 0.7× the local median income ($72,137): affordable for a typical household
Days on market60 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+3.6%Zillow expects prices to rise slightly
The typical home in Oneida County, NY is worth $237,718, up 5.6% from a year ago. That is well above what local incomes have historically supported: fair value is about $199,688, so the area is 19.0% overvalued. It is a balanced market, leaning toward sellers: homes take about 60 days to sell, listings are up 23% from a year ago, 16% of listings have had a price cut. Zillow expects prices to rise about 3.6% over the next year. A household needs about $51,532 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $72,137. Typical rent is $1,441 a month, or $1,967 for a house. In the latest IRS figures, 697 more people moved out than in.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$237,718
Change in 1 year
+5.6%
Overvalued %
+19.0%
Show 7 more
Fair home value
$199,688
Change in 5 years
+39.0%
Zillow forecast, next 12 months
+3.6%
Home value to income
3.3×
Monthly mortgage payment (20% down)
$1,288
Income needed to afford it
$51,532
Property tax rate
2.02%
Rent and investing
Typical rent
$1,441
Typical rent for houses
$1,967
Price-to-rent ratio
13.7×
Show 3 more
HUD Fair Market Rent, 2 bedrooms
$1,210
Gross rental yield
7.28%
Cap rate (estimate)
4.73%
Market activity
Listings vs a year ago
+22.7%
Days on market
60
Listings with a price cut
15.6%
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Homes for sale
546
Pending sales per 100 listings
93
Asking price per sq ft
$163
People and jobs
Median household income
$72,137
Population change (1 year)
−0.4%
Unemployment rate
4.7%
Show 4 more
Population
226,392
Income adjusted for cost of living
$77,818
Net moves in (IRS)
−697
Cost of living (US = 100)
92.7
Schools, risk and environment
School rating (1 to 10)
4.8
FEMA hazard risk score (0 to 100)
86.3
Unhealthy air days a year
0
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Flood risk score
91.1
Wildfire risk score
38.5
Walkability (1 to 20)
9.1
Road, rail and air noise
53 dB
Questions people ask
Is Oneida County, NY overvalued?
Home prices in Oneida County, NY are well above what local incomes have historically supported: fair value is about $199,688, so the area is 19.0% overvalued.
Is Oneida County, NY a buyer's or seller's market?
Oneida County, NY is a balanced market, leaning toward sellers: homes take about 60 days to sell, listings are up 23% from a year ago, 16% of listings have had a price cut.
Are home prices going down in Oneida County, NY?
Home values in Oneida County, NY are up 5.6% over the last year. Zillow's forecast for the next 12 months is +3.6%.
How much do you need to earn to buy a home in Oneida County, NY?
A household needs about $51,532 a year to afford the typical home in Oneida County, NY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $72,137.