The typical owner-occupied home in Oneida is worth about $160,100, 62% below the New York median of $423,800 and 52% below the national median of $332,700. Owners pay a median $3,778 a year in property taxes, about 2.36% of their home's value, higher than the New York rate of 1.55%. The median household earns $61,597 a year, so the median home costs 2.6 times the median income (4.9 times for New York). 62% of occupied homes here are lived in by their owners, and 58% of those owners still have a mortgage.
Oneida at a glance
| Oneida | New York | U.S. | |
|---|---|---|---|
| Median home value | $160,100 | $423,800 | $332,700 |
| Median property tax paid per year | $3,778 | $6,582 | $3,119 |
| Property tax as a share of value | 2.36% | 1.55% | 0.94% |
| Median household income | $61,597 | $85,974 | $80,734 |
| Homes lived in by their owners | 62% | 54% | 65% |
| Owner homes with a mortgage | 58% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,480 | $2,555 | $1,963 |
| Those costs as a share of the owners' income | 18.6% | 22.5% | 21.0% |
| Median rent | $903 | $1,621 | $1,413 |
| Rent as a share of renters' income | 29.2% | 31.2% | 30.6% |
| Median year homes were built | 1946 | 1959 | 1980 |
| Vacant homes | 6.4% | 10.0% | 10.1% |
| Population | 10,171 | 19,852,366 | 334,922,499 |
What a typical home costs per month in Oneida
At this week's average 30-year rate of 7.11%, buying the median Oneida home of $160,100 with 20% down costs about $1,243 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,510, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $53,279 for the 20%-down payment. That payment is 24% of the median Oneida household income of $61,597; at that income and 20% down, the 28% guideline points to a home of about $185,000.
The median rent here is $903 a month, so owning the median home costs about $340 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $32,020 |
|---|---|
| Loan amount | $128,080 |
| Principal and interest | $862 |
| Property taxes (2.36% a year) | $315 |
| Homeowners insurance (our estimate, 0.5% a year) | $67 |
| PMI | $0 |
| Total per month | $1,243 |
Change the numbers in the calculator
| Down payment | $5,604 |
|---|---|
| Loan amount | $157,200 |
| Principal and interest | $1,058 |
| Property taxes (2.36% a year) | $315 |
| Homeowners insurance (our estimate, 0.5% a year) | $67 |
| FHA mortgage insurance | $71 |
| Total per month | $1,510 |
Change the numbers in the calculator
Questions about home buying in Oneida
What is the median home value in Oneida?
About $160,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Oneida?
Homeowners pay a median $3,778 a year, which is about 2.36% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Oneida?
For the median home with 20% down at 7.11%, the payment is about $1,243 a month. Keeping that under 28% of gross income takes about $53,279 a year.
More about Oneida
- Mortgage Refinance in Oneida
- Debt Relief in Oneida
- Home Equity Loans in Oneida
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data