Housing data for the Town of Oswego, NY
The Town of Oswego, NY has an estimated 8,369 residents and 2,179 homes (US Census Bureau, 2020–2024 American Community Survey).
It is a town in Oswego County.
16.4% of households rent.
The median gross rent is $1,091 a month.
Its population grew measurably since 2015–2019 (+8.5%).
Figures last updated on .
- Residents
- 8,369 (±24)
- Housing units
- 2,179 (±197)
- Households that rent
- 16.4%
- Median gross rent
- $1,091
- Residents since 2015–2019
- +8.5%
What stands out in the Town of Oswego
Homes in buildings of 5 or more units: 0.7% (±2.9 points) in the Town of Oswego, lower than in Oswego County (7.0%).
Households without a vehicle: 2.9% (±1.7 points) in the Town of Oswego, lower than in Oswego County (8.4%).
Households that rent: 16.4% (±6.9 points) in the Town of Oswego, lower than in Oswego County (26.6%).
Households that moved in since 2020: 12.6% (±5.2 points) in the Town of Oswego, lower than in Oswego County (18.6%).
- Types of homes in the Town of Oswego
- Commute and cars in the Town of Oswego
- Renters and owners in the Town of Oswego
- How long people stay in the Town of Oswego
Housing in the Town of Oswego at a glance
- Median rent: $1,091 median gross rent a month
- Rent by bedrooms: $1,119 median gross rent, 2 bedrooms
- Rent burden: 34.3% of renters pay 30% or more of income (Small sample: wide margin of error)
- Renters and owners: 16.4% of households rent
- Income and affordability: $78,083 median household income
- Home values: $175,100 median home value
- Homeowner costs: $1,683 median monthly cost with a mortgage
- Property taxes: $3,566 median real estate taxes a year
- Types of homes: 0.7% of homes are in buildings of 5 or more units
- Bedrooms: 74.6% of homes have 3 or more bedrooms
- Age of homes: 55.2% of homes were built before 1980
- Vacancy rate: 0.0% rental vacancy rate (Small sample: wide margin of error)
- Heating fuel: 47.1% heat with utility gas
- Commute and cars: 18.8 minutes average trip to work
- Growth: +8.5% residents since 2015–2019
- How long people stay: 12.6% moved in since 2020
- Crowding and facilities: 5.0% of homes have more than 1 person per room
The Town of Oswego against Oswego County, its state and the nation
| Town of Oswego | Oswego County | New York | United States | |
|---|---|---|---|---|
| Residents | 8,369 (±24) | 117,953 (exact) | 19,852,366 (exact) | 334,922,499 |
| Housing units | 2,179 (±197) | 54,844 (±160) | 8,585,241 (±652) | 143,775,355 |
| Households that rent | 16.4% (±6.9 points) | 26.6% (±1.4 points) | 45.7% (±0.2 points) | 34.8% |
| Median gross rent | $1,091 (±$110) | $967 (±$27) | $1,621 (±$7) | $1,413 |
| Median household income | $78,083 (±$14,171) | $69,183 (±$2,355) | $85,974 (±$402) | $80,734 |
| Median home value | $175,100 (±$17,098) | $151,700 (±$3,647) | $423,800 (±$1,627) | $332,700 |
| Median real estate taxes (a year) | $3,566 (±$411) | $3,646 (±$105) | $6,582 (±$21) | $3,119 |
| Built before 1980 | 55.2% (±10.8 points) | 60.7% (±2.0 points) | 73.9% (±0.2 points) | 49.7% |
| Average commute | 18.8 minutes (±2.6) | 25.1 minutes (±0.7) | 32.6 minutes (±0.1) | 26.4 minutes |
| Households with broadband | 93.5% (±3.9 points) | 90.5% (±0.9 points) | 90.8% (±0.1 points) | 91.0% |
| Median age of residents | 20.7 years (±0.5) | 40.9 years (±0.4) | 39.8 years (±0.1) | 38.9 years |
The Town of Oswego covers 27.3 square miles of land, about 306 residents per square mile (Census Bureau Gazetteer).
How the Town of Oswego has changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Residents | 7,715 (±23) | 8,369 (±24) | +8.5% | Measurable increase |
| Housing units | 1,690 (±142) | 2,179 (±197) | +28.9% | Measurable increase |
| Median gross rent | $1,060 (±$239) | $1,091 (±$110) | +2.9% | No measurable change after inflation |
| Median home value | $146,800 (±$9,945) | $175,100 (±$17,098) | +19.3% | No measurable change after inflation |
| Median household income | $82,820 (±$7,994) | $78,083 (±$14,171) | −5.7% | Down after inflation |
| Median owner cost with a mortgage | $1,387 (±$161) | $1,683 (±$146) | +21.3% | No measurable change after inflation |
| Median real estate taxes | $3,961 (±$391) | $3,566 (±$411) | −10.0% | Down after inflation |
| Households that rent | 5.5% (±2.7 points) | 16.4% (±6.9 points) | +10.9 percentage points | Measurable increase |
| Rental vacancy rate | 0.0% (±30.7 points) | 0.0% (±11.8 points) | 0.0 percentage points | Not a measurable change |
The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.
Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.
The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.
Crime reported to police in Oswego County
The Town of Oswego has no police department of its own in the FBI’s figures, so this is the figure for Oswego County as a whole.
In 2025, the police departments that report for Oswego County recorded 99 violent and 513 property crimes per 100,000 residents.
A county-wide figure describes the whole county, not this place; crime varies from one community to the next.
ZIP codes in the Town of Oswego
| ZIP code | Share of the ZIP’s land in this place | Residents | Median gross rent | Median home value | Median household income |
|---|---|---|---|---|---|
| 13126 | 13% | 36,495 | $1,064 | $145,400 | $65,346 |
A ZIP code is a mail route rather than a boundary, so the Census Bureau publishes figures for ZIP Code Tabulation Areas built from census blocks; the share column says how much of each one’s land lies in this place.
Places near the Town of Oswego
| Place | Distance | Median gross rent | Median home value | Households that rent |
|---|---|---|---|---|
| Minetto (community) | 3.7 mi | $844 | $188,700 | 15.0% |
| Town of Minetto | 3.7 mi | $848 | $185,700 | 13.4% |
| Oswego | 4.6 mi | $1,109 | $120,600 | 49.8% |
| Village of Hannibal | 5.8 mi | $932 | $118,300 | 27.2% |
| Town of Hannibal | 6.3 mi | $1,225 | $137,100 | 16.4% |
| Town of Scriba | 7.8 mi | $980 | $158,700 | 18.5% |
| Town of Sterling | 8.0 mi | $681 | $141,200 | 9.6% |
| Fulton | 8.9 mi | $887 | $101,000 | 45.7% |
Places in New York most like the Town of Oswego
| Place | Median gross rent | Median home value | Median household income | Households that rent |
|---|---|---|---|---|
| Town of Hartwick | $1,000 | $173,500 | $81,196 | 20.0% |
| Town of Orleans | $1,061 | $190,300 | $77,500 | 21.2% |
| Town of Madison | $986 | $196,900 | $76,895 | 17.6% |
| Town of Junius | $1,333 | $160,400 | $76,750 | 10.2% |
| Town of Volney | $952 | $149,200 | $74,848 | 18.1% |
| Town of Lorraine | $1,042 | $152,400 | $65,893 | 11.1% |
Matched on rent, home value, income, the share who rent, the age of the homes, the share in apartment buildings and the commute, each measured against the spread across New York.
HUD Fair Market Rent for the Town of Oswego, fiscal year 2027
| Studio | 1 bedroom | 2 bedrooms | 3 bedrooms | 4 bedrooms |
|---|---|---|---|---|
| $1,050 | $1,196 | $1,493 | $1,808 | $1,962 |
HUD income limits for the Town of Oswego, fiscal year 2026
| Household size | Extremely low (30%) | Very low (50%) | Low (80%) |
|---|---|---|---|
| 1 person | $22,450 | $37,400 | $59,850 |
| 2 people | $25,650 | $42,750 | $68,400 |
| 3 people | $28,850 | $48,100 | $76,950 |
| 4 people | $33,000 | $53,400 | $85,450 |
| 5 people | $38,680 | $57,700 | $92,300 |
| 6 people | $44,360 | $61,950 | $99,150 |
| 7 people | $50,040 | $66,250 | $106,000 |
| 8 people | $55,720 | $70,500 | $112,800 |
These are the limits HUD sets for its housing programs in the Syracuse, NY MSA, where HUD’s median family income for fiscal year 2026 is $106,800.
A program can use its own limits; tax-credit and local programs often do.
A New York town includes the villages and hamlets inside it, so the figures for the Town of Oswego include them.
The figures for the Town of Oswego include the places inside it that have pages of their own: SUNY Oswego.
Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.
Margins of error are at the 90% confidence level.
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Questions about Town of Oswego
What is the average rent in the Town of Oswego, NY?
The Census Bureau publishes the median rather than the average: the median gross rent in the Town of Oswego is $1,091 (±$110) a month (2020–2024 American Community Survey), so half of renting households pay less and half pay more.
How much is a one-bedroom apartment in the Town of Oswego?
The median gross rent for a one-bedroom home in the Town of Oswego, NY is $619 (±$103) a month (2020–2024 American Community Survey).
How many renters are there in the Town of Oswego?
The Town of Oswego has an estimated 307 (±129) renting households, 16.4% of its occupied homes (2020–2024 American Community Survey).
What is the median household income in the Town of Oswego?
The median household income in the Town of Oswego is $78,083 (±$14,171) a year (2020–2024 American Community Survey).
What is the average home value in the Town of Oswego, NY?
The Census Bureau publishes the median: $175,100 (±$17,098) for owner-occupied homes in the Town of Oswego (2020–2024 American Community Survey).
What is the average mortgage payment in the Town of Oswego?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in the Town of Oswego, NY is $1,683 (±$146) a month, including taxes, insurance and utilities.
Is the Town of Oswego growing?
In the Town of Oswego, the number of residents went from 7,715 in 2015–2019 to 8,369 in 2020–2024 (+8.5%), a measurable increase.
What ZIP codes are in the Town of Oswego?
The ZIP code that covers the Town of Oswego is 13126.
What is the median rent in ZIP code 13126?
The median gross rent in ZIP Code Tabulation Area 13126 is $1,064 (±$58) a month (2020–2024 American Community Survey).
Sources
- Demographic and Housing Estimates (DP05), 2020–2024 ACS 5-year estimates — Oswego town, Oswego County, New York
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Oswego town, Oswego County, New York
- Selected Economic Characteristics (DP03), 2020–2024 ACS 5-year estimates — Oswego town, Oswego County, New York
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Oswego town, Oswego County, New York
- Selected Social Characteristics (DP02), 2020–2024 ACS 5-year estimates — Oswego town, Oswego County, New York
- Total Population (B01003), 2015–2019 ACS 5-year estimates — Oswego town, Oswego County, New York
- Median Gross Rent (B25064), 2015–2019 ACS 5-year estimates — Oswego town, Oswego County, New York
- HUD Fair Market Rents, fiscal year 2027: Syracuse, NY MSA
- HUD Income Limits, fiscal year 2026: Syracuse, NY MSA
- US Census Bureau, American Community Survey 2020–2024 5-year estimates for ZIP Code Tabulation Areas
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
- US Census Bureau, 2024 Gazetteer Files
To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) for Oswego town, Oswego County, New York (county subdivision:55585, in state:36 county:075).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B01003_001E, B01003_001M, B25064_001E, B25064_001M from the 2019 release.
The API needs a free key.
DP05_0001E, DP05_0001M, DP04_0001E, DP04_0001M, DP04_0047PE, DP04_0047PM, DP04_0134E, DP04_0134M, DP03_0062E, DP03_0062M, DP04_0089E, DP04_0089M
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.
Figures last updated on .