Oneida County, NY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.24, -75.43.
Assembled 2026-10-06. Read the brief.
- 51st pct · 1,473rd of 3,063 US counties · median $234,566
- 39th pct · 38th of 62 New York counties · median $256,722
- counties in the Utica-Rome metro: Rank context is unavailable: the manifest lists 2 counties in the Utica-Rome metro; fewer than 5 is too few to rank.
- 83rd pct · 492nd of 3,063 US counties · median +2.9%
- 78th pct · 14th of 62 New York counties · median +5.7%
- counties in the Utica-Rome metro: Rank context is unavailable: the manifest lists 2 counties in the Utica-Rome metro; fewer than 5 is too few to rank.
- 45th pct · 769th of 1,399 US counties · median $1,496
- 35th pct · 32nd of 49 New York counties · median $1,531
- counties in the Utica-Rome metro: Rank context is unavailable: the manifest lists 2 counties in the Utica-Rome metro; fewer than 5 is too few to rank.
- 90th pct · 294th of 3,221 US counties · median 8,232
- 75th pct · 16th of 62 New York counties · median 32,139
- counties in the Utica-Rome metro: Rank context is unavailable: the manifest lists 2 counties in the Utica-Rome metro; fewer than 5 is too few to rank.
- 81st pct · 608th of 3,221 US counties · median $1,039
- 50th pct · 31st of 62 New York counties · median $1,250
- counties in the Utica-Rome metro: Rank context is unavailable: the manifest lists 2 counties in the Utica-Rome metro; fewer than 5 is too few to rank.
- 36th pct · 1,952nd of 3,063 US counties · median 4.3
- 29th pct · 44th of 62 New York counties · median 4.1
- counties in the Utica-Rome metro: Rank context is unavailable: the manifest lists 2 counties in the Utica-Rome metro; fewer than 5 is too few to rank.
Typical home value divided by the average annual wage of one covered job.
A percentile here is a min-max scaling of average rank: the smallest published value in the cohort is 0 and the largest is 100, and tied values share the average of the ranks they span. It is not the share of entities below the value, so 0 means smallest, not none below. Entities that did not publish the metric are outside the cohort entirely and are counted in neither the rank nor its denominator.
Home values #
Typical home $240,023 (Aug 2026), +6.6% over one year, +38.9% over five
- 51st pct · 1,473rd of 3,063 US counties · median $234,566
- 39th pct · 38th of 62 New York counties · median $256,722
- counties in the Utica-Rome metro: Rank context is unavailable: the manifest lists 2 counties in the Utica-Rome metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Oneida County, NY | $240,023 · +6.6% 1-yr |
Zillow Home Value Index (ZHVI), typical value of homes in the 35th to 65th percentile, smoothed and seasonally adjusted; a model estimate of value, not a sale price. Data through Zillow Research.
Rents #
Typical rent $1,445/mo (Aug 2026), +4.3% over one year; price-to-rent 13.8
- 45th pct · 769th of 1,399 US counties · median $1,496
- 35th pct · 32nd of 49 New York counties · median $1,531
- counties in the Utica-Rome metro: Rank context is unavailable: the manifest lists 2 counties in the Utica-Rome metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Oneida County, NY | $1,445/mo · +4.3% 1-yr |
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
What the typical home costs to carry #
Principal and interest of $1,314 a month on $240,023 at 7.28%, against an average weekly wage worth $5,425 a month: 24.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $240,023 × 80% = $192,019, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,314/mo principal and interest
- wage share = payment / (avg weekly wage $1,252 × 52 / 12 = $5,425) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $240,023 / ($1,252 × 52) = 3.7
- price-to-rent = $240,023 / ($1,445 × 12) = 13.8
The wage is one covered job’s average, not a household’s income, so this is the share of a single paycheque and not a mortgage underwriting ratio.
Estimate. Principal and interest on the typical home with 20% down over 30 years at this week's Freddie Mac average rate; compared with the average weekly wage of all jobs covered by unemployment insurance in the area (BLS QCEW), which is pay per job, not household income.
Jobs & wages #
101,711 jobs at 5,285 employers (2026 Q1); 0.0% jobs and +2.6% average weekly wage over the year
- 90th pct · 294th of 3,221 US counties · median 8,232
- 75th pct · 16th of 62 New York counties · median 32,139
- counties in the Utica-Rome metro: Rank context is unavailable: the manifest lists 2 counties in the Utica-Rome metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Oneida County, NY | 101,711 jobs · $1,252/wk · 0.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 20,966 | $1,080 | 1.37 | +3.8% |
| Retail trade | 10,253 | $733 | 1.03 | -2.9% |
| Manufacturing | 9,390 | $1,454 | 1.15 | -2.0% |
| Accommodation and food services | 7,106 | $505 | 0.78 | +2.0% |
| Finance and insurance | 4,355 | $2,414 | 1.05 | -2.1% |
| Transportation and warehousing | 3,888 | $1,128 | 0.91 | +6.0% |
| Professional and technical services | 3,756 | $1,840 | 0.54 | -5.2% |
| Educational services | 3,326 | $907 | 1.52 | +0.8% |
| Administrative and waste services | 3,268 | $1,078 | 0.57 | +4.1% |
| Other services | 2,441 | $713 | 0.80 | -10.6% |
| Construction | 2,222 | $1,234 | 0.42 | +3.5% |
| Wholesale trade | 1,892 | $1,579 | 0.49 | -12.3% |
BLS Quarterly Census of Employment and Wages, all ownerships, total covered employment in the quarter's third month; over-the-year changes as published. Suppressed cells stay blank.
Drought #
D0 abnormally dry
Sites found: 5, searched within 0 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 0 km away are not.
US Drought Monitor current week; the highest class of any polygon containing the point.
Reservoirs #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
Sites found: 0, searched within 150 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 150 km away are not.
Σ(capacity × percent full) / Σ capacity over TWDB reservoirs within 150 km. Texas only; elsewhere USGS reservoir elevation/storage is listed without a capacity to normalise by.
Stream gauges #
61 gauges · 0 flooding · 14 with quality panels averaging 100 % · 30 stale
Sites found: 61, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
| Site | Reading | Distance |
|---|---|---|
| MOHAWK RIVER BELOW DELTA DAM NEAR ROME NY | flow 197.0 ft³/s | 2 km |
| NINEMILE CREEK NEAR STITTVILLE NY | flow 31.2 ft³/s | 11 km |
| ORISKANY CREEK NEAR ORISKANY NY | flow 46.8 ft³/s | 14 km |
| USGS-04242640 | flow 252.0 ft³/s | 15 km |
| USGS-04242500 | flow 182.0 ft³/s · STALE | 17 km |
| SAUQUOIT CREEK AT WHITESBORO NY | flow 23.0 ft³/s | 18 km |
| CINCINNATI CREEK AT BARNEVELD NY | flow 8.93 ft³/s | 20 km |
| USGS-04243500 | flow 31.6 ft³/s | 23 km |
| MOHAWK RIVER NEAR UTICA NY | flow 307.0 ft³/s | 28 km |
| USGS-04243783 | flow 14.2 ft³/s | 30 km |
USGS latest readings screened against EPA freshwater criteria (DO ≥ 5 mg/L, pH 6.5–9, conductance, turbidity, temperature); NWS flood categories where a NWPS gauge is co-located.
Groundwater #
20 wells in 0 named aquifers:
Sites found: 20, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
| Site | Reading | Distance |
|---|---|---|
| USGS-431359075235501 | depth 4.41 ft · 2026-10-04 | 3 km |
| USGS-431227075233301 | depth 44.0 ft · 2026-10-04 | 5 km |
| USGS-430056075354102 | depth 10.8 ft · 2026-10-04 | 28 km |
| USGS-433112075091501 | depth 26.4 ft · 2026-10-04 | 38 km |
| USGS-431841074573201 | depth 31.2 ft · 2026-10-04 | 39 km |
| USGS-425846075504501 | depth 140.2 ft · 2026-10-04 | 44 km |
| USGS-430121074523001 | depth 57.9 ft · 2026-10-04 | 52 km |
| USGS-425033074532401 | depth 118.6 ft · 2026-10-04 | 63 km |
USGS latest daily water levels. A single latest reading says where the table is, not which way it is moving; select a well for its 365-day trace.
Water stress #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.00 / 0.55
Banks & federal dollars #
$4.8 bn in deposits at 43 offices of 9 banks (SOD June 2026); HHI 1,463, moderately concentrated. $600.8 m federal obligations in FY2026 (contracts $508.0 m, grants $93.0 m), $5,907 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank of Utica | $1.1 bn · 22.3% share · 1 office | |
| NBT Bank, National Association | $744.2 m · 15.4% share · 6 offices | |
| Manufacturers and Traders Trust Company | $718.9 m · 14.9% share · 6 offices | |
| Oneida, NY | $600.8 m FY2026 · $5,907/job | |
| MULTIPLE RECIPIENTS | $1.4 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank of Utica | $1,074,005,000 | 22.3% | 1 |
| NBT Bank, National Association | $744,182,000 | 15.4% | 6 |
| Manufacturers and Traders Trust Company | $718,867,000 | 14.9% | 6 |
| Beacon Bank and Trust | $607,875,000 | 12.6% | 6 |
| Adirondack Bank | $605,674,000 | 12.5% | 9 |
| KeyBank National Association | $517,676,000 | 10.7% | 6 |
| Community Bank, National Association | $392,313,000 | 8.1% | 6 |
| Citizens Bank, National Association | $163,081,000 | 3.4% | 2 |
| Woodforest National Bank | $3,276,000 | 0.1% | 1 |
Deposit concentration is 1,463 across 9 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 22.3² + 15.4² + 14.9² + … (6 more) = 1,463
FDIC Summary of Deposits: deposits at every insured office as of June 30, annual; HHI is the sum of squared county deposit shares (DOJ 1995 bank merger screen: 1000 / 1800). USAspending: obligations by place of performance for the latest complete federal fiscal year (Oct 1 to Sep 30), what agencies committed, not what they paid out; recipients are legal entities. Per-job divides obligations by BLS QCEW covered employment.
Federal obligations #
USAspending place-of-performance obligations for FY2026, by awarding agency.
| Awarding agency | Obligations |
|---|---|
| Social Security Administration | $1,238,981,246 |
| General Services Administration | $254,930,749 |
| Department of Defense | $192,611,351 |
| Department of Veterans Affairs | $112,767,694 |
| Department of Transportation | $70,044,647 |
| Department of State | $52,093,726 |
| Department of Housing and Urban Development | $28,574,726 |
| Department of Education | $21,591,594 |
| Department of Health and Human Services | $17,328,925 |
| Department of the Interior | $9,798,044 |
| Department of Agriculture | $6,166,540 |
| Federal Communications Commission | $4,699,376 |
That is $5,907 per covered job, against 101,711 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $600.8 m / 101,711 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $5,907
USAspending obligations are recorded where the work is performed, so a prime award performed here is counted here even when the recipient is headquartered elsewhere. Recipients are legal entities, never people.
National context, not this county #
These are United States, single-gauge, single-state and port series. None of them is keyed to this county.
| Series | Latest | As of | Change |
|---|---|---|---|
| Mississippi River at Memphis, stage · ft | not published | not published | |
| Mississippi River at St. Louis, stage · ft | not published | not published | |
| Ohio River at Louisville, stage · ft | 12.28 | 2026-10-04 | -0.1% |
| Missouri River at St. Joseph, stage · ft | not published | not published | |
| Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s | 5,170.00 | 2026-02-05 | -25.3% |
| Texas reservoirs, statewide percent full · % | 72.60 | 2026-10-05 | +0.1% |
| Laredo truck crossings, monthly · trucks | 258,700.00 | 2026-08-01 | -0.4% |
| Los Angeles + Long Beach container volume, annual · TEU | 10,513,167.00 | 2023-01-01 | -13.5% |
| Containerships waiting for a berth, all US ports · ships | 6.00 | 2026-09-22 | -14.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 6,830.00 | 2026-08-01 | +7.4% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 96.16 | 2026-09-29 | -3.2% |
| 30-year fixed mortgage rate · % | 7.28 | 2026-10-01 | +3.6% |
| Housing starts, annual rate · thousands of units | 1,275.00 | 2026-08-01 | -2.6% |
| Building permits, annual rate · thousands of units | 1,403.00 | 2026-08-01 | -2.1% |
| Case-Shiller US home price index · index, Jan 2000 = 100 | 337.31 | 2026-07-01 | +0.1% |
| Unemployment rate · % | 4.20 | 2026-09-01 | +2.4% |
| US goods and services trade balance, monthly · $ millions | -88,576.00 | 2026-07-01 | -24.4% |
| Retail sales excluding food services, monthly · $ millions | 646,347.00 | 2026-08-01 | +1.1% |
The indicator registry has no county-keyed series and no geographic selection: every entry is national, a named gauge, a single state or a port. They are here as the backdrop the county's own numbers move against, and they are never this county's readings.
What changed #
Oneida County, NY: 6 findings, 1 at a watch level and 5 noted
watchOneida County, NY's average weekly wage of $1,252 scores 81 on the 0-to-100 scale across US counties but 51 across New York counties, a gap of 30 points.
Period 2026 Q1.Show the arithmetic
- 30 = |81 across US counties - 51 across New York counties|
position among the entities that published this metric this period; not an official level
noteOneida County, NY's average weekly wage was 2.6% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +2.6 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteOneida County, NY's typical asking rent fell 0.5% from $1,453 in July 2026 to $1,445 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -0.5% = (1445.132275132275 - 1452.8856344558371) / 1452.8856344558371 × 100
- 1445.132275132275 = Zillow ZORI, 2026-08
- 1452.8856344558371 = Zillow ZORI, 2026-07
noteOneida County, NY's covered employment of 101,711 ranks 294th of 3,221 US counties, against a median of 8,232.
Period 2026 Q1.Show the arithmetic
- 91 on the 0-to-100 scale across 3221 US counties that published jobs.emp
position among the entities that published this metric this period; not an official level
noteThe next Zillow ZHVI typical home value (monthly) covering Oneida County, NY is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Read all 6 findings in the full brief
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.