Oneida, NY

Very Low · 56

New York · Population 10,240 · Updated March 2026

$841
Median Rent / Month
$60,380
Median Income
$146,300
Median Home Value
$936
Owner Costs / Month

Affordability

How far your income goes in Oneida

16.7%
Rent-to-Income Ratio
Affordable
Rent takes less than 25% of median income — considered affordable by HUD standards.

Tax Burden in New York

State-level tax rates that affect your costs

10.9%
Income Tax (Top Rate)
4.0%
Sales Tax
1.62%
Property Tax Rate

Estimated Annual Costs

$10,092
Annual Rent
$6,581
State Income Tax
$2,370
Property Tax (est.)

Cost of Living Overview

Oneida is significantly cheaper than the national average, making it an attractive option for budget-conscious individuals and families. With a cost index of 56 (where 100 equals the national median), Oneida residents can expect to pay median rent of $841/month while earning a median household income of $60,380/year.

The median home value in Oneida, NY is $146,300, with typical monthly owner costs around $936 including mortgage, insurance, and taxes. The median rent-to-income ratio of 16.7% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.

New York's top income tax rate of 10.9% is among the highest in the nation, adding to the overall cost burden. Combined with a 4.0% sales tax rate and 1.62% effective property tax rate, the overall tax environment is a factor in the total cost of living in Oneida.

Frequently Asked Questions

Common questions about living costs in Oneida

What is the cost of living in Oneida, NY?
The cost of living index in Oneida, NY is 56 (US average = 100). Median monthly rent is $841, median household income is $60,380/year, and the median home value is $146,300.
Is Oneida, NY affordable?
Yes, Oneida is more affordable than the national average with a cost index of 56. The rent-to-income ratio is 16.7%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Oneida, NY?
The median gross rent in Oneida, NY is $841 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $10,092.
What is the median household income in Oneida?
The median household income in Oneida, NY is $60,380 per year. This compares to the national median of approximately $80,000.
What are the taxes like in New York?
New York has a top income tax rate of 10.9%, a sales tax of 4.0%, and an effective property tax rate of 1.62%.