Oneida County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Oneida County, New York? DLRadar grades every Oneida County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 27/100. Here is the 2026 Oneida County breakdown.
- Oneida County's most distressed ZIP is 13493 at 27/100.
- 55 ZIP codes tracked in Oneida County, averaging 23/100 distress.
- Oneida County reads expansion — home values up 9.6% year over year.
- Vacancy runs 16.4% across Oneida County's tracked ZIPs, with a 9.2% poverty rate.
- The typical Oneida County home is worth about $190,613 against a ~$70,402 median income.
- Lending headwind in Oneida County sits at 34/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 13493 | 27/100 |
| 2 | 13042 | 24/100 |
| 3 | 13054 | 23/100 |
| 4 | 13123 | 23/100 |
| 5 | 13157 | 23/100 |
| 6 | 13162 | 23/100 |
| 7 | 13301 | 23/100 |
| 8 | 13303 | 23/100 |
| 9 | 13308 | 23/100 |
| 10 | 13313 | 23/100 |
| 11 | 13318 | 23/100 |
| 12 | 13319 | 23/100 |
Most distressed ZIP codes in Oneida County (composite distress 0-100, 2026)
What is driving Oneida County distress
Oneida County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 23/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Oneida County market phase and pricing
Oneida County reads expansion — home prices rose 9.6% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Oneida County
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Questions about this county
Where is distress highest inside Oneida County, NY?
ZIP 13493 leads Oneida County at 27/100, recomputed monthly from public records.
Where is Oneida County in the housing cycle?
Oneida County currently sits in expansion, with values up 9.6% year on year, based on FHFA price-index trajectory.
What are the sources behind these Oneida County numbers?
Every Oneida County figure traces to a public source — FHFA House Price Index for the expansion trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 55 Oneida County ZIP codes that it runs on every other U.S. county, so Oneida County's numbers are directly comparable to any other market.
How much do distress scores vary between Oneida County ZIP codes?
A single county score papers over real variation. Across the Oneida County ZIPs DLRadar ranks, scores run from 27/100 in 13493 down to 23/100 in 13319, against a Oneida County average of 23/100. A spread of 4 points means Oneida County has to be worked ZIP by ZIP.
What do Oneida County home values and vacancy say about distressed supply?
The typical Oneida County home carries about $190,613 of value against a median household income near $70,402. Vacancy across Oneida County's tracked ZIPs runs 16.4% and the poverty rate is 9.2%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Oneida County's foreclosure and tax-lien filings and its 34/100 lending headwind.
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Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.