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City · 10,171 residents · Madison County, New York

Oneida , New York

In Oneida, a typical home is worth $160,100 and typical rent is $903 a month. Compared with all of Madison County, typical household income is 18% lower, the typical home value is 13% lower, and the share of households that own their home is 16 points lower.

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  • Typical home value

    $160,100

    13% below the county

    62% below New York

    • Oneida
    • Madison
    • New York

  • Typical rent

    $903a month

    3% below the county

    44% below New York

    • Oneida
    • Madison
    • New York

  • Typical household income

    $61,597a year

    18% below the county

    28% below New York

    • Oneida
    • Madison
    • New York

  • Households that own their home

    62%

    16 points below the county

    8 points above New York

    • Oneida
    • Madison
    • New York

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$217,644
4.9% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Oneida is in Madison County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Madison County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Oneida apart

What this place has that others do not, from public data, most unusual first.

  1. 62% of households in Oneida own their home, against 78% in Madison County.

  2. Nearby, in Mattydale, the typical home value is $121,900: 24% less than in Oneida ($160,100).

  3. The typical household income in Oneida is $61,597, 18% less than in Madison County as a whole ($75,499).

  4. 15% of households in Oneida have no internet at home (8% in Madison County).

  5. Oneida has the 28th lowest typical rent of the 333 cities in New York with more than 5,000 people ($903).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Oneida

What homes there are in Oneida, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house is still the most common home in Oneida, but it weighs less than in Madison County: 59% against 73%.

Year built

There are fewer big homes in Oneida than in Madison County: 55% have 3 bedrooms or more, against 67%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

At least 96% of owner-occupied homes in Oneida are worth less than $500,000, below the FHA loan limit for Madison County ($541,287).

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Madison County is $1,493; about 94% of rents in Oneida are below it.

With a mortgage

$1,480 a month

Madison County: $1,615 a month

Without a mortgage

$607 a month

Madison County: $676 a month

Owners with a mortgage

59%

Madison County: 55%

In Oneida, 59% of owners have a mortgage, and their typical cost is $1,480 a month, against $1,615 in Madison County. Without one it drops to $607.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Oneida gained value faster than in Madison County: 40% against 35%.

Rents in Oneida rose faster than in Madison County: 22% since 2015–2019, against 19%.

While home values in Oneida changed +40% and rent +22%, the typical household income rose 21%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureOneidaMadison CountyNew YorkUnited States
Rental vacancy Unreliable estimateUnreliable estimate3.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate0.7%5.3%3.4%
People per household 2.162.342.492.53
Drive alone 78%75%49%69%
Carpool 8%6%6%9%
Public transit Unreliable estimateUnreliable estimate22%3%
Walk or bike 5%7%6%3%
Work from home 8%10%15%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Oneida has 2.16 people, fewer than in Madison County (2.34).

To get to work, 78% of workers in Oneida drive alone; in Madison County, 75%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Oneida?

A typical home is tight for the typical income

We start with a typical home in Oneida, worth $160,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Oneida, which is $61,597 a year. For that payment to be 28% of income, a household would need to earn about $65,028 a year.

The calculator's FHA and conventional loan limits are those of all of Madison County.

Your numbers

Local data
$

Starts at the typical home value in Oneida. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $5,604 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,517

at 7.18% · 30 years

Loan amount
$157,200
Total interest
$226,173
Paid off in
November 2056

Includes $2,704 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,437 a month

  • Tight

    $1,437 to $1,848 a month

    Your payment · 30%

  • Hard

    more than $1,848 a month

Compared with the typical household income in Oneida ($61,597 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,517
Principal & interest$1,065
Property tax$315
Home insurance$67
FHA mortgage insurance (MIP)$71

You need at least $5,604 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Oneida and Madison County

Oneida is in Madison County, New York. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Oneida's own numbers

Typical home value
$160,100
Typical monthly rent
$903
Typical yearly household income
$61,597
Households that own their home
62%
Effective property tax rate
2.36%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Madison County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,493
Price change over 5 years (FHFA)
+63%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Madison County.

Everything about Madison County

Buying

Buying a home in Oneida

A typical home in Oneida is worth $160,100: 13% below the county and 62% below New York. With the typical household income in Oneida ($61,597 a year), a typical home costs 2.6 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Oneida 2.6 years
  • Madison 2.4 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Madison County

According to FHFA’s house price index, home prices in Madison County rose 86% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Madison County.

Period County New York U.S.
Last year (2025) +8.3% +6.0% +2.9%
5 years (2020–2025) +63% +52% +47%
10 years (2015–2025) +86% +86% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Oneida next to Madison County, New York and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Oneida $160,100
  • Madison $184,600
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Oneida $903
  • Madison $928
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Oneida $61,597
  • Madison $75,499
  • New York $85,974
  • United States $80,734
See the full table
Oneida next to Madison County and New York
Measure Oneida Madison County New York U.S.
Typical home value $160,100 $184,600 $423,800 $332,700
Typical monthly rent $903 $928 $1,621 $1,413
Typical yearly household income $61,597 $75,499 $85,974 $80,734
Households that own their home 62% 78% 54% 65%
Typical yearly property tax $3,778 $4,181 $6,582 $3,119
Effective property tax rate 2.36% 2.26% 1.55% 0.94%
Renters with high rent for their income 48% 46% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Madison County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Oneida

For a typical $160,100 home in Oneida, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Oneida's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,517a month

    Least cash to close
    Down payment
    $5,604
    Cash to close
    $10,407
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $71

  • Conventional, 5% down $1,488a month

    Down payment
    $8,005
    Cash to close
    $12,808
    Rate
    7.18%
    Mortgage insurance
    PMI · $76

  • Conventional, 20% down, no PMI $1,249a month

    Down payment
    $32,020
    Cash to close
    $36,823
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,397a month

    Down payment
    $24,015
    Cash to close
    $28,818
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Oneida and for Madison County.

Property tax

Effective rate in Oneida

2.36%of the home’s value each year

$3,778 a year for the typical owner in Oneida.

  • Oneida 2.36%
  • Madison 2.26%
  • New York 1.55%

What New York publishes Basic STAR school tax relief (New York State Department of Taxation and Finance)

Exemptions and deadlines in New York

Flood risk in Madison County

FEMA does not publish these numbers by city: they are for all of Madison County.

FEMA’s maps count no homes in the high-risk zone in Madison County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Oneida

Typical rent in Oneida is $903 a month: 3% below the county. In Oneida, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Madison County, by unit size. To pay the 2-bedroom one ($1,493 a month) without spending more than 30% of your income, you would need to earn $28.71 an hour working full time.

HUD fair market rent for all of Madison County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,050 $20.19 $42,000
1 bedroom $1,196 $23.00 $47,840
2 bedrooms $1,493 $28.71 $59,720
3 bedrooms $1,808 $34.77 $72,320
4 bedrooms $1,962 $37.73 $78,480

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Oneida

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Oneida is in ZIP code 13421.

For 2 bedrooms it is $1,260: $233 less than the fair market rent for Madison County ($1,493).

  • 13421 $1,260$1,530

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Oneida when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Oneida

HUD lists 3 buildings with rents for lower incomes in Oneida. These are the largest.

  • Oneida Towers II 226 Farrier Ave, Oneida 13421 100 low-income homes · For older adults (315) 363-8450
  • Oneida Workforce Housing 120 N Warner St, Oneida 13421 40 low-income homes · 1 bd: 8 · 2 bd: 20 · 3 bd: 12 · In service since 2016 · For people with disabilities, families
  • Seneca Fields Apartments 1061 Meadow Dr, Oneida 13421 32 low-income homes · 1 bd: 28 · 2 bd: 4 · In service since 2018 · For people experiencing homelessness

See all 11 buildings in Madison County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Oneida

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Madison County. The nearest ones are below; many serve by phone or online.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Oneida

No down payment, repair or rent-help program on our list is for Oneida or Madison County. The ones below are statewide in New York: they work in Oneida the same as in the rest of the state.

Which programs do I qualify for? All programs in New York

Housing counselors near Oneida

The HUD-approved agencies closest to the center of Oneida, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Unhs Neighborworks Homeownership Center

    1611 Genesee St, Utica · 21 miles away · Spanish

    Also serves in Arabic, American Sign Language (ASL), Cambodian, Cantonese, and 19 more languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (315) 724-4197

  • Syracuse Cooperative Federal Credit Union

    1816 Erie Blvd E, Syracuse · 22 miles away · Spanish

    Also serves in Swahili.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (315) 476-5290

  • Home Headquarters, Inc.

    625 Erie Blvd W, Syracuse · 25 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (315) 474-1939

All counseling agencies in New York

Help in Spanish near Oneida

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Oneida

HUD’s record names them for Oneida or Madison County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Oneida Housing Authority Public housing and Section 8 vouchers (315) 363-8450

One other authority has an office in Madison County: see the list Source: HUD

Cities

Nearby cities

The cities closest to Oneida, with the typical home value.

Everything about Madison County Housing in New York

Neighboring counties

If Madison County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Oneida.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Oneida

Short answers with the numbers for Oneida and all of Madison County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Oneida?

The typical home value in Oneida is $160,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Madison County it is $184,600.

How much does it cost to rent in Oneida?

Typical rent in Oneida is $903 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Madison County is $1,493.

What is the FHA loan limit in Oneida?

Oneida uses the FHA limit for all of Madison County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Oneida?

The typical homeowner in Oneida pays $3,778 a year, according to the U.S. Census Bureau. That is 2.36% of the home’s value; in Madison County, the rate is 2.26%.

Where can I find free help to buy or rent in Oneida?

We found no HUD-approved counseling agencies with an office in Madison County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).