Oneida County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Oneida County, NY distress report, 2026: 55 ZIPs scored in Oneida, NY, Oneida, NY average 22/100; the top Oneida, NY ZIP is 13493 at 25/100; Oneida, NY market phase expansion, Oneida, NY prices +9.6% year over year.
- Oneida, NY ranks #2,305 nationally (opportunity index); Oneida, NY #43 in New York; Oneida, NY index 26.7.
- Oneida, NY ninety-day mortgage delinquency 1.8% in December 2025; Oneida, NY twelve-month change +0.6%.
- Oneida, NY ZIP phases: 55 expansion.
- Oneida, NY residential listings tracked: 58 across 46 ZIPs; Oneida, NY candidate listings 45.
- Oneida, NY HUD assisted properties: 11 with 1,085 units.
- Oneida, NY lenders on watch: 5; largest Oneida, NY footprint Adirondack Bank (9 branches).
- Oneida, NY most distressed ZIP: 13493 at 25/100.
Oneida, NY figures: DLRadar distress index; Oneida, NY inputs: CFPB, FHFA, HUD, FDIC; Oneida, NY rebuilt as sources refresh.
| Rank | Oneida, NY ZIP | Score |
|---|---|---|
| 1 | 13493 | 25/100 |
| 2 | 13042 | 23/100 |
| 3 | 13054 | 22/100 |
| 4 | 13123 | 22/100 |
| 5 | 13157 | 22/100 |
| 6 | 13162 | 22/100 |
| 7 | 13301 | 22/100 |
| 8 | 13303 | 22/100 |
| 9 | 13304 | 22/100 |
| 10 | 13308 | 22/100 |
| 11 | 13313 | 22/100 |
| 12 | 13318 | 22/100 |
Most distressed Oneida, NY ZIPs (0-100, 2026)
Mortgage delinquency in Oneida, NY
1.8% of Oneida, NY mortgages were ninety-plus days late (Oneida, NY, December 2025); Oneida, NY thirty-to-eighty-nine days late: 2.5%; Oneida, NY twelve-month change +0.6%; Oneida, NY peak since 2008: 4.0% (December 2012); New York overall 1.0%. Oneida, NY ninety-day series: Dec 24 1.2, Jan 25 1.0, Feb 25 0.9 (Oneida, NY), Mar 25 0.7, Apr 25 0.7, May 25 0.6 (Oneida, NY), Jun 25 0.9, Jul 25 0.9, Aug 25 1.1 (Oneida, NY), Sep 25 1.6, Oct 25 1.5, Nov 25 1.6 (Oneida, NY), Dec 25 1.8.
Opportunity index: Oneida, NY
Oneida, NY index 26.7, Oneida, NY phase weak; Oneida, NY primary driver bank institutional, Oneida, NY second driver vacancy. Oneida, NY components: property stress 17.4, foreclosure pressure 11.0, listing discounts 27.2, bank stress 53.6, insurance 0.0; Oneida, NY pulse 28.7; Oneida, NY capital opportunity 23.7.
ZIP market phases inside Oneida, NY
55 Oneida, NY ZIPs carry a price-cycle phase; Oneida, NY ZIPs by phase (Oneida, NY), deepest drawdown first: expansion, +5.8% YoY (Oneida, NY): 13032; expansion, +8.2% YoY (Oneida, NY): 13042; expansion, +9.6% YoY (Oneida, NY): 13054, 13123, 13157, 13162, Oneida, NY 13301, 13303, 13304, 13308, Oneida, NY 13313, 13318, 13319, 13321; expansion, +8.6% YoY (Oneida, NY): 13309; expansion, +8.4% YoY (Oneida, NY): 13316.
Residential listings by Oneida, NY ZIP
Oneida, NY ZIPs with the most tracked Oneida, NY residential listings: 13440 18 listings, 13 candidates, bank pressure 59; 13309 7 listings, 6 candidates, bank pressure 60; 13501 5 listings, 5 candidates, bank pressure 62; 13308 4 listings, 4 candidates, bank pressure 59 (Oneida, NY); 13490 4 listings, 4 candidates, bank pressure 59; 13492 4 listings, 3 candidates, bank pressure 59; 13316 3 listings, 2 candidates, bank pressure 59; 13042 2 listings, 0 candidates, bank pressure 59. Oneida, NY totals: 58 listings; Oneida, NY candidates 45; active ZIPs 17.
HUD assisted housing in Oneida, NY
11 assisted properties with 1,085 units sit in Oneida, NY; largest Oneida, NY properties: Kennedy Plaza Apts. (Utica) 204 units; Hillside Gardens Apts. (New Hartford) 193 units; Carolyn Court Apts (New York Mills) 176 units in Oneida, NY; Steinhorst Apts (Utica) 100 units, 99 assisted; The Brook Apartments (Utica) 98 units, 97 assisted; Kennedy Plaza Associates (Utica) 88 units.
Lenders with branches in Oneida, NY
Oneida, NY lenders by branch count: Adirondack Bank (Oneida, NY): stress 100, 9 branches low in Oneida, NY; Community Bank National Assn (Oneida, NY): stress 68, 6 branches low in Oneida, NY; Nbt Bank National Assn (Oneida, NY): stress 61, 6 branches low in Oneida, NY; Manufacturers&Traders Tr Co (Oneida, NY): stress 52, 6 branches low in Oneida, NY; Bank Of Utica (Oneida, NY): stress 0, 1 branch low in Oneida, NY.
Vacancy and permits, Oneida, NY
10,223 of 105,443 Oneida, NY housing units are vacant; Oneida, NY permits, twelve months: 108 multifamily units in Oneida, NY, 145 one-to-four unit units.
Work Oneida, NY at the parcel level
Every Oneida, NY parcel carries owner and address; every Oneida, NY parcel carries APN; Oneida, NY distress scores sit on the Oneida, NY live board.
Oneida, NY figures refresh with each source.
Oneida, NY questions
Most distressed ZIP code in Oneida County, NY?
ZIP 13493 leads Oneida, NY at 25/100; next in Oneida, NY: 13042 at 23/100; the Oneida, NY average is 22/100.
Where does Oneida County, NY rank for investment opportunity?
Oneida, NY is #2,305 among all ranked counties, #43 in New York; the Oneida, NY driver is bank institutional; Oneida, NY moved up 272 places.
How many mortgages are delinquent in Oneida County, NY?
1.8% of Oneida, NY mortgages were ninety-plus days late in December 2025; the Oneida, NY peak since 2008 was 4.0%.
Which banks lend in Oneida County, NY?
5 watched lenders hold Oneida, NY branches; the largest Oneida, NY footprints are Adirondack Bank (9), Community Bank National Assn (6), Nbt Bank National Assn (6).
More on Oneida, NY
Oneida County, NY distress report: public-record figures for Oneida, NY; not legal advice for Oneida, NY; not tax or investment advice; verify every Oneida, NY record before acting.