Oneida County, New York

County Distress Index: Elevated · 51.8 | 227,555 people · 19th most distressed in New York
American Default Research

Behind on your mortgage or facing eviction? Take a 2-minute assessment to see your options.

Oneida County, NY registers elevated household financial distress with a score of 51.8 — 1460th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where a large share of households spend more than 30% of income on housing. Within New York, it ranks 19th of 62 counties. Among its 5 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Oneida County's primary driver is Housing Cost Burden at 67.9 — above the national median.

Housing Cost Burden Primary driver 67.9
Rent-Burdened (30%+) 68
Severely Rent-Burdened (50%+) 74
Mortgage-Burdened (30%+) 54
Homeownership Rate 78
Rent-to-Income Ratio 66
Income & Poverty 66.5
Poverty Rate 66
Income vs. State Median 74
Child Poverty Rate 59
Employment & Wages 58.0
Unemployment Rate 52
Wage-to-Rent Ratio 31
Business Formation Rate 91
Debt & Delinquency 43.5
Debt in Collections 45
Medical Debt 7
Student Loan Delinquency 57
Auto Loan Delinquency 42
Credit Card Delinquency 55
Bankruptcy Filing Rate 54
Community Vulnerability 23.2
Uninsured Rate 3
Disability Rate 43

Scores are percentile-based: 50 = national median, higher = more distressed. The median line is shown on each bar.

Neighbors and Peers

How Oneida County compares to its 5 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Oneida County
Oneida County, NY 51.8 Elevated —
Oswego County, NY 55.0 Elevated +3.2
Herkimer County, NY 50.8 Elevated -1.1
Otsego County, NY 45.8 Normal -6.1
Madison County, NY 41.7 Normal -10.1
Lewis County, NY 41.0 Normal -10.9

Population Peers

County Score Zone vs. Oneida County
Crawford County, PA 51.8 Elevated +0.0
Wood County, WV 51.8 Elevated -0.0
St. Clair County, MI 51.9 Elevated +0.0
DeKalb County, IL 51.7 Elevated -0.1
Surry County, NC 51.7 Elevated -0.1

Download Data

Export all distress indicators for Oneida County as a CSV file.

Find Help in Oneida County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Oneida County.

UNHS NEIGHBORWORKS HOMEOWNERSHIP CENTER
Utica
315-724-4197
Foreclosure PreventionFinancial CounselingFair HousingHome Improvement/Rehab

See all counselors in New York →

Find an Attorney

New York State Bar Association Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

New York State Bar Association Lawyer Referral Service 1-800-342-3661

Free Legal Aid

Legal aid organizations serving Oneida County residents at no cost.

Legal Services NYC 1-917-661-4500
Legal Aid Society 1-212-577-3300
Empire Justice Center 1-585-454-4060
Legal Aid Society of Northeastern New York 1-800-462-2922
Legal Aid Society of Mid-New York, Inc. (877) 777-6152
Legal Assistance of Western New York, Inc. (585) 325-2520
Legal Services of the Hudson Valley (877) 574-8529
Nassau/Suffolk Law Services Committee, Inc. (631) 232-2400
Neighborhood Legal Services, Inc. (716) 847-0650

Self-Help Resources

NYCourts.gov Foreclosure Help Official court system page with information about the foreclosure process, settlement conferences, and available resources. Includes court forms and instructions for pro se litigants.
LawHelp NY — Foreclosure Resources Comprehensive self-help legal information portal for New York residents. Includes foreclosure guides, court form generators, and legal services finder organized by county.

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

Need legal help? Find a foreclosure defense attorney in New York →

Continue Reading

Frequently Asked Questions

  • What is the distress score for Oneida County, New York?

    Oneida County has a County Distress Index score of 51.8 out of 100, placing it in the Elevated zone. It ranks 1,460th nationally out of 3,144 counties and 19th in New York out of 62 counties.

  • What drives financial distress in Oneida County?

    The primary driver of distress in Oneida County is Housing Cost Burden, where the county scores 67.9 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Oneida County compare to neighboring counties?

    Oneida County (51.8) can be compared to its 5 neighboring counties: Oswego County, NY (55.0); Herkimer County, NY (50.8); Otsego County, NY (45.8).

  • How is the County Distress Index calculated?

    The County Distress Index uses percentile-rank averaging across five domains: Debt & Delinquency, Income & Poverty, Housing Cost Burden, Employment & Wages, and Community Vulnerability. Each county's indicators are ranked against all 3,144 U.S. counties. A score of 50 means the county is at the national median; higher scores indicate greater distress.

  • What is the population of Oneida County?

    Oneida County, New York has a population of approximately 227,555 (2023 Census estimate), classified as a mid county.