Oswego, NY 13126 - Home Prices, Rental Trends, Listings & Demographics | Prop:Metrics

Oswego, NY—13126

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value

$179,000

2.6% YoY Growth

Household Income

$63,600

23.6% YoY Growth

Days on Market

11.0% Longer YoY

Home Price Forecast

3.2%

Median Rent

$1,300

17.1% YoY Growth

1-Bed Rent

$1,020

46.1% YoY Growth

2-Bed Rent

$1,200

8.5% YoY Growth

3-Bed Rent

$1,600

13.1% YoY Growth

Home Price Trends — Oswego, NY

As of Dec '25, the median home price in Oswego, NY is $179,000, with a year-over-year change of 2.6%. This indicates that home prices in Oswego, NY are increasing. According to Zillow, the 1-year price projection is 3.2%, suggesting an increase housing market in the next year.

Cost per Home Type

Home Type	Median Home Value	YoY % Change
All Homes	$179,000	2.6%
Single Family	$179,000	2.3%
Condos	N/A	N/A

Cost per Home Size

Home Size	Median Home Value	YoY % Change
1 Bed

Rental Trends — Oswego, NY

As of July '25, Rentcast reports the average rent in Oswego, NY is $1,450, with a year-over-year rent change of -17.1%. Per bedroom, the median rent as of July '25 in Oswego, NY is studios: $725, 1-bedrooms: $1,030, 2-bedrooms: $1,300, 3-bedrooms: $1,810, 4-bedrooms: $1,770. The most common rental property sizes in Oswego, NY are 2-bedroom and 1-bedroom, accounting for 40.3% and 25.4% of the rental stock.

Type	Median Rent	Average Rent
Average Rent	$1,300	$1,450
Studio Rent	$725	$725
1 Bed Rent	$1,020	$1,030
2 Bed Rent	$1,200	$1,300
3 Bed Rent	$1,600	$1,810
4 Bed Rent	$1,750	$1,770

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% of Rental Stock

Studio

4.0%

1 Bedroom

25.4%

2 Bedrooms

40.3%

3 Bedrooms

18.8%

4 Bedrooms

9.0%

5+ Bedrooms

2.5%

Property Listings — Oswego, NY

As of Dec '25, Realtor.com reports that the median days on market for a home in Oswego, NY is 47. This is a increase of 36.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 15.0%, representing a small inventory and little supply pressure on home prices.

Metric	Zip Code Average	Year over Year % Change
Median Listing Price	$191,000	14.0%
Listing Count	91	6.0%
Listings as % of Homes	0.5%	6.0%
Days on Market	53	11.0%

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Demographics — Oswego, NY

As of the latest ACS Survey released in 2023, Oswego, NY has a population of 36,200, which has remained stable by -0.4% over the past 5 years. Oswego, NY is a moderately popular place for families, as children make up 19.5% of the population. The area has a moderately educated workforce, with 28.6% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 8.5% reporting working from home.

Metric	Latest Census	YoY % Change
Population	36,200	-0.4%
% Under 18	19.5%	10.2%
% Seniors	16.5%	15.4%
% WFH	8.5%	214.8%
% w/ College Degree	28.6%	10.9%

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As of the latest ACS Survey released in 2023, Oswego, NY is a predominantly white area, with 87.0% of the population identifying as white. The white population has shrunk by 3.5% in the last 5 years. The second most common race or ethnicity in Oswego, NY is hispanic, making up 5.2% of the population. Foreign-born residents account for 3.1% of the population in Oswego, NY, and this percentage has increased by 6.9% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.

Race and Ethnicity

Metric	Latest Census	5-Year % Change
% White	87.0%	-3.5%
% Black	2.7%	8.0%
% Hispanic	5.2%	8.3%
% Asian	1.9%	35.7%
% Foreign Born	3.1%	6.9%

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Mortgage and Risk — Oswego, NY

According to HUD data as of 2023, there were 513 mortgage originations in Oswego, NY, of which 91.0% of loans were conventional mortgages. The average loan-to-value was 67.0%, with 23.0% above 90% LTV (very high). This implies large mortgage risk in Oswego, NY. Investor activity is low, as 6.0% of loans were by investors. 18.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.

Mortgages

Metric	Zip Code Average
Total Loan Originations	513
% Conventional Loans	91.0%
% Government Loans	9.0%
% Investor Loans	6.0%
% Second Loans	2.0%
% Cash Out Refinance	18.0%

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Rentals and Section 8 — Oswego, NY

As of 2024, the percent of homes in Oswego, NY under the Section 8 program is 18.3%. This is considered high, suggesting that the neighborhood is heavily composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom and 2-bedroom and 4-bedroom units appear to be good home sizes to consider for Section 8 housing in Oswego, NY, because HUD payments exceed market rent, while 3-bedroom units do not.

Section 8 Market Size

Total Units under HUD	843
Total Units Section 8	843
% Rentals under Section 8	18.3%
% Occupied Section 8	88.4%

Section 8 Opportunity

Home Size	HUD Premium	Market Rent	Max HUD Rent
1 Bedroom	$40	$1,020	$1,060
2 Bedroom	$100	$1,200	$1,300
3 Bedroom	-$10	$1,600	$1,590
4 Bedroom	$40	$1,750	$1,790

Oswego, NY—13126

Key Metrics at a Glance

Home Price Trends — Oswego, NY

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Oswego, NY

% of Rental Stock

Property Listings — Oswego, NY

Demographics — Oswego, NY

Race and Ethnicity

Mortgage and Risk — Oswego, NY

Mortgages

Rentals and Section 8 — Oswego, NY

Section 8 Market Size

Section 8 Opportunity

Affordability — Oswego, NY

Home Price to Income Ratio

Oswego, NY — ZIP Code Boundary Map

Nearby ZIP Codes

Minetto

Fulton, NY

Hannibal, NY

Mexico, NY

Sterling, NY

Frequently Asked Questions

Metric	Zip Code Average
Home Price to Income Ratio	2.3
Median Home Price	$179,000
Median Household Income	$63,600

Oswego, NY—13126

Key Metrics at a Glance

Home Price Trends — Oswego, NY

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Oswego, NY

% of Rental Stock

Property Listings — Oswego, NY

Demographics — Oswego, NY

Race and Ethnicity

Mortgage and Risk — Oswego, NY

Mortgages

Rentals and Section 8 — Oswego, NY

Section 8 Market Size

Section 8 Opportunity

Affordability — Oswego, NY

Home Price to Income Ratio

Oswego, NY — ZIP Code Boundary Map

Nearby ZIP Codes

Minetto

Fulton, NY

Hannibal, NY

Mexico, NY

Sterling, NY

Frequently Asked Questions

What is the average home price in Oswego, NY 13126?

How have home prices in Oswego, NY 13126 changed over the past year?

What is the home price projection for Oswego, NY 13126?

What are the demographics of Oswego, NY 13126?

How long does it take homes to sell in Oswego, NY 13126?

What is the average rent price in Oswego, NY 13126?