The story of this market
The typical home in Oneida County, New York sells for about $250,000, or $171 per square foot.
Prices are up +4.2% from a year ago, so sellers still have some momentum. Homes take about 46 days to sell. Over the long run, values in this county have grown 106% since 2000. Last year 21 of 36 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is winter weather, which FEMA rates relatively high. HUD's fair market rent for a two-bedroom is $1,210 a month.
HUD sets the fair market rent for a 2-bedroom at $1,210 a month. FEMA's National Risk Index rates overall hazard risk here as Very Low.
Price climate
Every year of price change, 2000–2025
0%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2021 (+11.5%). Worst: 2011 (-1.4%). Hover to read a year.
Monthly price momentum
Home values since 2015
+5.5%
NY · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,442
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
0%
2025 change
FHFA repeat-sales index, median of 36 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
15
Very Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $54,849,295.
Mortgage activity
Home lending in this county
77.9%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 6787 | 4048 | 77.9% | 3.8% | $135,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Oneida County, New York
Oneida County's housing market remains balanced with steady price appreciation of 4.2% year-over-year. While inventory is increasing, demand remains supported by a strong local labor market and relative affordability compared to the state average. Buyers face a competitive environment with homes selling in approximately 46 days.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: median price corroborated by the published ten-year series (2024) (within 12.5%).
Select a city to expand its ZIP intel reports beneath · 29 cities · 44 ZIP reports
Median prices moved up 0.8% year over year.
Homes spend a median of 47 days on market with 0.1 months of supply — a fast-moving market.
3% of listings have cut prices · homes sell at 2.68% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.9% · poverty 13.2% — a stable, low-distress profile.
Deterministic aggregate of 35 researched ZIP reports of 44 — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Oneida County, New York — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 7.1%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 16
researched Sep 16
researched Sep 16
researched Sep 16
researched Sep 16
researched Sep 18
researched Sep 16
researched Sep 17
researched Sep 19
researched Sep 18
| 13303 | Ava | $179,800 | $105 | +2.1% | 62 | 98.2% | 15% | 3.5 | 12 | $973 | researched Sep 16 |
| 13304 | Trenton | $185,000 | $128 | +5.7% | 24 | 98.5% | 12% | 2.3 | 42 | $1,297 | researched Sep 16 |
| 13309 | Boonville | $229,900 | $164 | +2.5% | 65 | 97.5% | 15% | 4.2 | 12 | $814 | researched Sep 16 |
| 13313 | Bridgewater | $168,540 | $89 | -59% | 124 | 100% | 22% | 5 | 5 | $735 | researched Sep 16 |
| 13316 | Camden | $130,810 | $193 | -12.7% | 124 | 98% | — | 2 | 14 | $730 | researched Sep 16 |
| 13319 | Chadwicks | $168,540 | $89 | -59% | 124 | 100% | 22% | 60 | 5 | $680 | researched Sep 18 |
| 13322 | Clayville | $237,000 | $163 | -5.1% | 42 | 97.8% | 11% | 4.2 | 631 | $1,595 | researched Sep 16 |
| 13323 | Kirkland | $370,000 | $256 | 0% | 28 | — | — | — | 196 | $1,080 | researched Sep 17 |
| 13338 | Forestport | $269,000 | $145 | +3.2% | 85 | 96.5% | 15% | 6.2 | 12 | $640 | researched Sep 19 |
| 13354 | Holland Patent | $209,000 | $119 | +7% | 109 | — | — | — | 146 | $873 | researched Sep 18 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Oneida County has a minor risk of flooding, with approximately 2,720 properties identified as likely to be severely affected.
The county faces a long-term housing demand challenge, with projections indicating a need for 6,070 new housing units by 2040 to accommodate market growth.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (New York) — Income-Based Assessment for Affordable Rental Housing: The assessed valuation must be determined using the income approach based on actual net operating income, excluding subsidies, tax credits, or grants used for development costs. State (New York) — Real Property Tax Assessment: Real property is assessed by local jurisdictions based on a uniform percentage of value. The tax liability is calculated as (Assessed Value * Tax Rate) - Exemptions.
The local economy is supported by a stable unemployment rate of 3.9%, which remains below the New York state average, providing a foundation for housing demand.
- Sylvan Beach Amusement Park415.1 mi
- The Family Fun Factory4.513.1 mi
- Billy Beez Sangertown Square4.412.2 mi
- Cayo Industrial Horror Realm4.42.5 mi
- Fun Nation Action Park4.812.3 mi
- Turning Stone Resort Casino4.311.6 mi
- NBT Bank Arena at the Utica Memorial Auditorium4.613.6 mi
- The Stanley Theatre4.713.8 mi
- Chesterfield's Tavolo4.414 mi
- Utica-Rome Speedway4.611.8 mi
- Turning Stone Resort Casino4.311.6 mi
- Utica Zoo4.414.3 mi
- Delta Lake State Park4.63.8 mi
- Verona Beach State Park4.615.4 mi
- Marquee Cinema - New Hartford, NY4.211.7 mi
- International Boxing Hall of Fame4.718.9 mi
- Munson4.713.7 mi
- Oneida Community Mansion House4.614.9 mi
- All Things Oz Museum4.925.5 mi
- Utica Children's Museum4.113.8 mi
- Delta Lake State Park4.63.8 mi
- Verona Beach State Park4.615.4 mi
- Pixley Falls State Park4.712.3 mi
- Sherrill Brook Park4.613.2 mi
- Bellamy Harbor Park4.42.5 mi
- Kayuta Lake Campground and Marina4.418.1 mi
- A&P Marina4.829 mi
- Frankfort Marina4.522.9 mi
- ILION: Village Of Ilion Marina4.425.4 mi
- Snug Harbour4.415.1 mi
- Shenendoah4.711.3 mi
- Twin Ponds Golf & Country Club4.411.8 mi
- Stonebridge Golf & Country Club4.418.4 mi
- Golf Club of Newport4.719.9 mi
- The Bunker New Hartford4.611.8 mi
- Sangertown Square4.112.2 mi
- Kohl's4.211.7 mi
- North Star Orchards4.710.1 mi
- Runnings4.42.9 mi
- T.J. Maxx4.311.8 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Data retrieved from data.census.gov
applies when — Applies to residential rental property where at least 20% of units are subject to an agreement restricting occupancy to income-qualified tenants.
The assessed valuation must be determined using the income approach based on actual net operating income, excluding subsidies, tax credits, or grants used for development costs.
N.Y. Real Property Tax Law Section 581-A
New York is a judicial foreclosure state, meaning the lender must file a lawsuit in court to foreclose on a property. The process typically takes approximately one year from the start of the case to the sale of the home.
New York Real Property Actions and Proceedings Law
applies when — Applies to the sale of residential real property (up to four units).
Sellers are required to provide a Property Condition Disclosure Statement to the buyer. Failure to provide the statement may result in a credit of $500 to the buyer at closing. Knowingly false or incomplete statements may subject the seller to legal claims.
New York Real Property Law Article 14, Section 462
Real property is assessed by local jurisdictions based on a uniform percentage of value. The tax liability is calculated as (Assessed Value * Tax Rate) - Exemptions. Owners of one, two, or three-family owner-occupied residential property have the right to Small Claims Assessment Review (SCAR) to challenge assessments.
New York Real Property Tax Law Article 3 and 7
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.