Oswego, NY—13126
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Oswego, NY
As of Oct '25, the median home price in Oswego, NY is $182,000, 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 | $182,000 | 2.6% |
| Single Family | $182,000 | 2.8% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $110,000 | -0.9% |
2 Bed | $142,000 | 2.2% |
3 Bed | $188,000 | 2.2% |
4 Bed | $221,000 | 2.8% |
| 5 Bed | $226,000 | 3.7% |
% of Housing Stock
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 |
% of Rental Stock
Property Listings — Oswego, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Oswego, NY is 43. This is a increase of 54.0% 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 22.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $199,000 | 21.0% |
Listing Count | 109 | 17.0% |
| Listings as % of Homes | 0.5% | 17.0% |
Days on Market | 43 | 54.0% |
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% |
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% |
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% |
Loan Activity
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 |
Affordability — Oswego, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.3 |
| Median Home Price | $182,000 |
| Median Household Income | $63,600 |