Oneida, NY—13421
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Oneida, NY
As of Oct '25, the median home price in Oneida, NY is $207,000, with a year-over-year change of 7.6%. This indicates that home prices in Oneida, NY are increasing. According to Zillow, the 1-year price projection is 2.9%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $207,000 | 7.6% |
| Single Family | $207,000 | 7.8% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $163,000 | 5.2% |
3 Bed | $207,000 | 7.3% |
4 Bed | $253,000 | 8.6% |
| 5 Bed | $301,000 | 8.7% |
% of Housing Stock
Rental Trends — Oneida, NY
As of July '25, Rentcast reports the average rent in Oneida, NY is $1,320, with a year-over-year rent change of -9.0%. Per bedroom, the median rent as of July '25 in Oneida, NY is 1-bedrooms: $895, 2-bedrooms: $1,250, 3-bedrooms: $1,800. The most common rental property sizes in Oneida, NY are 1-bedroom and 2-bedroom, accounting for 40.4% and 36.5% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,250 | $1,320 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $895 | $895 |
| 2 Bed Rent | $1,250 | $1,250 |
| 3 Bed Rent | $1,800 | $1,800 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Oneida, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Oneida, NY is 39. This is a decrease of -12.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 13.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $214,000 | -6.0% |
Listing Count | 63 | 41.0% |
| Listings as % of Homes | 0.5% | 41.0% |
Days on Market | 39 | -12.0% |
Demographics — Oneida, NY
As of the latest ACS Survey released in 2023, Oneida, NY has a population of 12,700, which has decreased by -4.1% over the past 5 years. Oneida, NY is a moderately popular place for families, as children make up 19.4% of the population. The area has a moderately educated workforce, with 25.6% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 7.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 12,700 | -4.1% |
% Under 18 | 19.4% | -13.4% |
% Seniors | 21.5% | 32.7% |
% WFH | 7.4% | 393.3% |
% w/ College Degree | 25.6% | 10.3% |
As of the latest ACS Survey released in 2023, Oneida, NY is a predominantly white area, with 91.5% of the population identifying as white. The white population has grown by 0.7% in the last 5 years. The second most common race or ethnicity in Oneida, NY is hispanic, making up 2.8% of the population. Foreign-born residents account for 1.5% of the population in Oneida, NY, and this percentage has decreased by 61.5% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 91.5% | 0.7% |
% Black | 0.7% | -58.8% |
% Hispanic | 2.8% | -9.7% |
% Asian | 0.4% | 0.0% |
% Foreign Born | 1.5% | -61.5% |
Mortgage and Risk — Oneida, NY
According to HUD data as of 2023, there were 136 mortgage originations in Oneida, NY, of which 86.0% of loans were conventional mortgages. The average loan-to-value was 65.0%, with 31.0% above 90% LTV (very high). This implies large mortgage risk in Oneida, NY. Investor activity is low, as 4.0% of loans were by investors. 10.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 136 |
% Conventional Loans | 86.0% |
% Government Loans | 14.0% |
% Investor Loans | 4.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 10.0% |
Loan Activity
Rentals and Section 8 — Oneida, NY
Oneida, NY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 483 |
Total Units Section 8 | 483 |
% Rentals under Section 8 | 28.0% |
% Occupied Section 8 | 92.6% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $35 | $895 | $930 |
| 2 Bedroom | -$100 | $1,250 | $1,150 |
| 3 Bedroom | -$400 | $1,800 | $1,400 |
| 4 Bedroom | N/A | N/A | $1,590 |
Affordability — Oneida, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.6 |
| Median Home Price | $207,000 |
| Median Household Income | $63,700 |