Market Overview
Home Prices in Oneida, TN
The median home value in Oneida, TN is $204,280 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.3% compared to a year ago and down 0.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Oneida are priced50% below average.
Over the past five years, Oneida home values have risen by approximately22.0%, reflecting strong long-term appreciation in this market.
Price History
Oneida Home Price Trend
2020
$141,254
$141K
—
2021
$167,502
$168K
+18.6%
2022
$195,500
$196K
+16.7%
2023
$194,400
$194K
-0.6%
2024
$205,215
$205K
+5.6%
2025
$203,730
$204K
-0.7%
2026
$204,280
$204K
+0.3%
City Comparison
Oneida vs. National Median
🏠 Oneida
$204,280
National Median
$410,000
At $204,280, homes in Oneida cost 50% 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
$40,856
on $204,280
Monthly P&I
$1,065/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,353/mo
incl. taxes & insurance
Income Needed
$54,120
gross annual (30% rule)
10% Down Option
$20,428
+ PMI applies
Loan Amount (20% dn)
$163,424
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, TN?
The median home value in Oneida is $204,280 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.3% year-over-year.
How much have home prices changed in Oneida?
Over the past year, home values in Oneida have increased by 0.3%. Over five years, prices have risen approximately 22.0%.
How much do I need to earn to buy a home in Oneida?
To comfortably afford the median home price of $204,280 with a 20% down payment ($40,856) at today's rates (6.8%), you'd need a gross annual income of approximately $54,120. 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 $204,280, homes in Oneida are 50% below the national average.