The story of this market
The typical home in Oneida County, New York sells for about $237,000, or $152 per square foot.
Prices are down 5.1% from a year ago, which gives buyers more room to negotiate. Homes take about 38 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 Approval rate is approved ÷ decided (withdrawn and incomplete files excluded).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 residential real estate market remains characterized by relatively low inventory and sustained buyer competition across affordable price tiers, even as median sales prices have cooled slightly to around $237,000. Sustained regional demand is underpinned by advanced manufacturing expansions and defense research employment, while elevated borrowing costs and property tax burdens keep transaction volume measured.
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: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
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 4.6% · poverty 14.1% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.
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 6.7%/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.
Countywide property and violent crime rates track close to or slightly below Upstate New York regional averages, though core urban neighborhoods in Utica and Rome report concentrated incidents. Rural and suburban townships across the county exhibit low crime rates relative to national benchmarks.
Public education across the county is anchored by suburban districts such as New Hartford Central School District, which routinely receives high regional marks, while urban districts Utica and Rome navigate broader socio-economic challenges.
Hazard posture is predominantly low for wildfire and hurricane winds, but low-lying parcels adjacent to the Mohawk River, Barge Canal, and local creeks face moderate riverine flood risks during spring melts and heavy rain events.
Economic momentum is reinforced by semiconductor manufacturing investments at the Marcy Nanocenter (Wolfspeed), defense and cyber research around Rome's Air Force Research Laboratory (AFRL), and healthcare expansions including the Wynn Hospital in Utica.
Real property in New York is assessed at local municipal levels (cities/towns) under state equalization oversight rather than a single county appraisal district, resulting in relatively high combined effective property tax rates around 2.4% to 2.8% across county, town/city, and school levies. New York provides partial relief via the STAR (School Tax Relief) exemption for primary residences.
Anchored by healthcare, defense research, high-tech manufacturing, and state government services. Significant growth drivers include Wolfspeed's silicon carbide wafer fab, the Air Force Research Laboratory Information Directorate in Rome, and Mohawk Valley Health System.
Traversed east-west by Interstate 90 (New York State Thruway), Route 5, and Route 49, as well as north-south Route 12. Public transit is served by Centro bus routes in Utica and Rome, plus passenger rail via Amtrak stations in both cities.
Major local planning focuses on infill development, downtown revitalization in Utica and Rome, housing expansion to meet projected tech workforce inflows, and industrial site preparation around Marcy Nanocenter and Griffiss Business and Technology Park.
Property assessment in Oneida County is decentralized under New York State Real Property Tax Law: each town and city employs its own municipal assessor rather than a consolidated county central appraisal district. Assessments are equalized annually by the NYS Department of Taxation and Finance.
Tax bills incorporate levies from municipal water and sewer special districts, fire protection districts, Mohawk Valley Community College, and independent school districts across municipal boundaries.
Homeowners insurance remains broadly accessible and moderate in cost relative to national coastal benchmarks, with primary underwriting focal points centered on winter freezing risk, hail/wind damage, and riverine flood insurance requirements in FEMA special flood hazard zones.
- 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.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
A premier regional art museum and cultural hub in Utica featuring permanent American and European art collections, traveling exhibitions, and arts education.
A reconstructed 18th-century fort in Rome managed by the National Park Service, serving as a major regional tourism landmark.
Provides extensive pedestrian, cycling, and boating recreation traversing Utica, Rome, and adjacent canal communities.
Features over 200 animals and historic Olmsted-designed parklands including scenic recreational trails, golf, and sledding hills.
Data gathered from U.S. Census Bureau ACS 5-year estimates via data.census.gov tables B01003, B01002, B25002, B25003, B25077, B25064, B19013, B25034, B08013, B15003, and B17001.
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.