Buying a Home in Oneida County, NY (2026): $832,750 Limit & Cities

Buying a home in Oneida County, NY

Quick answer

Oneida County, NY has a 2026 one-unit conforming loan limit of $832,750 and an FHA limit of $541,287. Explore 2 Census-backed city pages in this county, with home values from $133,400 to $137,200. 0 county-level assistance programs have been verified.

What do homes cost across Oneida County?

City	Population	Median home value
Utica	64,440	$133,400
Rome	31,795	$137,200

What assistance is available in Oneida County?

SONYMA Down Payment Assistance Loan (DPAL) — 3% of the purchase price (up to $15,000) or $3,000, whichever is highest; forgivable; state-level. State of New York Mortgage Agency · Verified October 23, 2026

All 1–4 unit county loan limits

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.