salaryRent is lower than in 61% of U.S. cities. A typical house costs under 3 years of household income, which is easy by U.S. standards. Commutes are short, about 18.5 minutes.
How much money do I need?
To rent here comfortably, you should earn about $57,800 a year. That is $28 an hour at a full-time job.
Is rent cheaper than other New York cities?
Yes. Rent here is cheaper than in most of New York. It is number 82 of 343 cities from cheapest to most expensive.
How much do households earn in Oswego?
Share of households by yearly income. 16.7% of households earn $100,000 or more.
Rent by apartment size in Oswego
| Size | Oswego | U.S. average |
|---|---|---|
| 1 bedroom | $939 | $1,324 |
| 2 bedrooms | $1,239 | $1,509 |
| 3 bedrooms | $1,330 | $1,698 |
| 4 bedrooms | $1,776 | $2,098 |
Median monthly rent plus utilities for all renters, by number of bedrooms.
How expensive is Oswego overall?
Everyday prices in New York overall are 8% above the U.S. average (index 107.9, U.S. = 100).
Source: U.S. Bureau of Economic Analysis, Regional Price Parities 2024. City-level data is not published for Oswego, so the New York figure is shown.
Taxes and bills in Oswego
Life in Oswego
Is it cheaper to rent or buy in Oswego?
Buying is cheaper month to month: about $608 a month less than renting.
Owning assumes a typical $120,600 home, 10% down, a 30-year loan at 6.5% and about 1.5% a year for taxes and insurance. You would also need $12,060 for the down payment.
Frequently asked questions
What is the average rent in Oswego, NY?
Renting in Oswego costs a median of about $1,445 a month in 2026, including utilities. The New York median is $2,177.
How much do I need to make to live in Oswego?
To keep rent under 30% of income, you need about $57,800 a year, or $28 an hour at a full-time job.
Is Oswego cheap or expensive?
Oswego is rated Expensive: rent takes 30.2% of the typical household income of $57,346. It ranks 82nd cheapest of 343 New York cities we track.
How much are property taxes in Oswego?
The median homeowner in Oswego pays $3,362 a year in property taxes, about 2.79% of the median home value.
Is Oswego more expensive than the national average?
Overall prices in New York are 8% above the U.S. average, according to the U.S. Bureau of Economic Analysis.
How much does a house cost in Oswego?
The median home value in Oswego is $120,600, about 2.1 times the typical yearly household income.
17,033 people live in Oswego. Numbers are typical (middle) values.