Oneida County, NY: Foreclosures, Tax Liens & Distressed Properties
Oneida County, NY, New York: 55 ZIP codes scored, Oneida County, NY averaging 22/100 (low, Oneida, NY), from 18 to 25. Oneida County, NY is in its expansion phase (Oneida, NY confidence 85/100): Oneida, NY home prices up 9.6% (Oneida, NY) over twelve months. Oneida County, NY lender headwind: 34/100.
Highest-scoring Oneida County, NY ZIPs: 13493 (25/100), 13042 (23/100), 13054 (22/100), 13123 (22/100), 13157 (22/100), 13162 (22/100). Also scored in Oneida County, NY: 13301, 13303, 13304, 13308, 13313, 13318, 13319, 13321, 13323, 13328.
Across Oneida County, NY's scored ZIPs: median home value $190,613, household income $70,402, 16.4% vacancy, 9.2% poverty, 79% owner-occupied, median age 43.4.
Oneida County, NY insurance distress 25/100 (#1,900 in the US); FEMA hazard 0/100 for Oneida, NY; 8 Oneida, NY NFIP flood claims, $111K paid; Oneida, NY construction distress 41/100.
9 banks with 43 branches lend in Oneida County, NY; Oneida, NY weighted bank stress 69/100, highest 100/100 in Oneida, NY.
Oneida County, NY unemployment 4.3% (Oneida, NY -0.4 pts, six months); 253 new housing units permitted in Oneida County, NY over twelve months, Oneida, NY up 9% from 232; Oneida, NY home prices +10.1% a year (Oneida, NY) over three years.
105,443 housing units in Oneida County, NY; 30,395 Oneida, NY renter households; 42% of Oneida, NY renters spend 30%+ of income on rent, 22% (Oneida, NY) half or more.
Oneida County, NY ranks #2,301 nationally on the opportunity index (Oneida, NY, among all ranked counties); Oneida, NY scores 26.7/100 and Oneida, NY sits #43 inside New York. Oneida, NY is in the weak opportunity phase; Oneida, NY's primary driver is bank institutional, Oneida, NY second driver vacancy; Oneida, NY moved up 277 places. 11 short-sale listings across Oneida, NY; 78 days on market observed in Oneida, NY; 9.2% vacancy over 55 Oneida, NY ZIPs.
1.8% of Oneida County, NY mortgages were ninety-plus days late in December 2025; Oneida, NY's thirty-to-eighty-nine-day share was 2.5% (CFPB county sample). Oneida, NY's ninety-day rate is up 0.6 points on twelve months earlier; the Oneida, NY peak since 2008 was 4.0% in December 2012; New York overall reads 1.0%.
Oneida County, NY has 5 watched banks; 5 Oneida, NY banks sit in an elevated band. Oneida, NY footprints: Adirondack Bank (9 branches, stress 100) in Oneida, NY; Community Bank National Assn (6 branches, stress 68) in Oneida, NY; Nbt Bank National Assn (6 branches, stress 61) in Oneida, NY.
HUD lists 11 assisted multifamily properties in Oneida County, NY with 1,085 units; 348 Oneida, NY units are assisted, 4 Oneida, NY properties under project-based Section 8.
10,223 of the 105,443 housing units in Oneida, NY sit vacant. Oneida County, NY permitted 108 multifamily units in twelve months; Oneida, NY's one-to-four unit structures added 145 units in Oneida County, NY.