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Oneida city, NY

ZIP 13421 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 13421

Median Home Value
$147,800
Median Rent
$744
Affordability Snapshot
$41,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$949/mo PITI).

14%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 13421 in Oneida city, NY, a household would need roughly $41,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $949. That sits below the local median household income ($63,732), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
68.0%+4% vs US avg
x
Vacancy Rate
6.4%-38% vs US avg
x
Broadband Access
82.0%-6% vs US avg
x
4+ Bedrooms
6.0%-60% vs US avg
x
Built Pre-1939
7.6%-41% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
25.0%-50% vs US avg
x
Mortgage-Free
40.0%+5% vs US avg
x
$147,800
Home Value
$744
Rent
1950
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached63.8%
  • 1-unit attached3.5%
  • 2-9 units21.0%
  • 10+ units10.9%
  • Mobile home & other0.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$147,800
Median rent$744
Owner-occupied68.0%
Vacant6.4%
Price-to-income2.3x
Est. income to buy$41,000