Oneida County, New York home prices
Typical home $237,718 · +5.6% in a year · property tax 2.02%
The typical home in Oneida County is worth $237,718, 55% less than the New York typical home ($524,942). Values changed +5.6% in the past year and +39.0% over five years. Homeowners here pay a median 2.02% of their home's value in property tax each year ($4,804 on the typical home), versus 1.42% statewide.
Mortgage on the typical Oneida County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $47,544 | $190,175 | $1,279 | $0 | $519 | $1,798 | $77,100 |
| 10% down | $23,772 | $213,947 | $1,439 | $89 | $519 | $2,048 | $87,800 |
| 5% down | $11,886 | $225,833 | $1,519 | $94 | $519 | $2,132 | $91,400 |
| 3.5% down (FHA) | $8,320 | $233,413 | $1,570 | $105 | $519 | $2,195 | $94,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 2.02% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in New York · part of the Utica metro area.
New York counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Cayuga County | $235,019 | +5.7% | 2.19% |
| Jefferson County | $234,099 | +6.0% | 1.54% |
| Clinton County | $230,451 | +6.0% | 2% |
| Schuyler County | $246,028 | +4.8% | 1.97% |
| Fulton County | $228,431 | +7.4% | 2.06% |
| Livingston County | $247,627 | +4.0% | 2.45% |
| Genesee County | $227,342 | +5.7% | 2.41% |
| Seneca County | $225,973 | +5.9% | 2.19% |
| Delaware County | $250,587 | +5.2% | 1.72% |
| Schoharie County | $252,001 | +6.2% | 2.03% |
Frequently asked questions
What is the average home price in Oneida County, NY?
The typical home value in Oneida County is $237,718 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Oneida County?
About $77,100 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Oneida County?
The median effective rate is 2.02% of home value a year (Census ACS 2024 5-year estimates).