Market Overview
Home Prices in Oneida, NY
The median home value in Oneida, NY is $222,173 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.8% compared to a year ago and up 7.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Oneida are priced46% below average. Oneida is part of the Syracuse, NY metro area.
Price History
Oneida Home Price Trend
2024
$194,761
$195K
—
2025
$209,949
$210K
+7.8%
2026
$222,173
$222K
+5.8%
City Comparison
Oneida vs. National Median
🏠 Oneida
$222,173
National Median
$410,000
At $222,173, homes in Oneida cost 46% below the national median of $410,000. This makes Oneida a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Oneida?
20% Down Payment
$44,435
on $222,173
Monthly P&I
$1,159/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,472/mo
incl. taxes & insurance
Income Needed
$58,880
gross annual (30% rule)
10% Down Option
$22,217
+ PMI applies
Loan Amount (20% dn)
$177,738
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Oneida, NY?
The median home value in Oneida is $222,173 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.8% year-over-year.
How much have home prices changed in Oneida?
Over the past year, home values in Oneida have increased by 5.8%.
How much do I need to earn to buy a home in Oneida?
To comfortably afford the median home price of $222,173 with a 20% down payment ($44,435) at today's rates (6.8%), you'd need a gross annual income of approximately $58,880. This assumes keeping total housing costs at or below 30% of gross income.
How does Oneida compare to the national average home price?
The national median home value is approximately $410,000. At $222,173, homes in Oneida are 46% below the national average.
What metro area is Oneida part of?
Oneida is part of the Syracuse, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.