Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$208,964+7.3% YoY · prices are rising fast
Market right nowBalanced, leaning sellersMore homes for sale than last year, 11% have cut their price
Income needed to buy, per year$45,299About 0.7× the local median income ($68,379): affordable for a typical household
Days on market65 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+5.2%Zillow expects prices to rise strongly
The typical home in Oswego County, NY is worth $208,964, up 7.3% from a year ago. That is well above what local incomes have historically supported: fair value is about $172,168, so the area is 21.4% overvalued. It is a balanced market, leaning toward sellers: homes take about 65 days to sell, listings are up 31% from a year ago, 11% of listings have had a price cut. Zillow expects prices to rise about 5.2% over the next year. A household needs about $45,299 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $68,379. Typical rent is $1,384 a month, or $1,887 for a house. In the latest IRS figures, 97 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$208,964
Change in 1 year
+7.3%
Overvalued %
+21.4%
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Fair home value
$172,168
Change in 5 years
+38.7%
Zillow forecast, next 12 months
+5.2%
Home value to income
3.1×
Monthly mortgage payment (20% down)
$1,132
Income needed to afford it
$45,299
Property tax rate
2.40%
Rent and investing
Typical rent
$1,384
Typical rent for houses
$1,887
Price-to-rent ratio
12.6×
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HUD Fair Market Rent, 2 bedrooms
$1,493
Gross rental yield
7.95%
Cap rate (estimate)
5.16%
Market activity
Listings vs a year ago
+30.8%
Days on market
65
Listings with a price cut
10.8%
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Homes for sale
276
Pending sales per 100 listings
112
Asking price per sq ft
$150
People and jobs
Median household income
$68,379
Population change (1 year)
+0.3%
Unemployment rate
7.0%
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Population
118,569
Income adjusted for cost of living
$71,451
Net moves in (IRS)
+97
Cost of living (US = 100)
95.7
Schools, risk and environment
School rating (1 to 10)
3.3
FEMA hazard risk score (0 to 100)
67.6
Unhealthy air days a year
0
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Flood risk score
82.1
Wildfire risk score
35.7
Walkability (1 to 20)
7.8
Road, rail and air noise
54 dB
Questions people ask
Is Oswego County, NY overvalued?
Home prices in Oswego County, NY are well above what local incomes have historically supported: fair value is about $172,168, so the area is 21.4% overvalued.
Is Oswego County, NY a buyer's or seller's market?
Oswego County, NY is a balanced market, leaning toward sellers: homes take about 65 days to sell, listings are up 31% from a year ago, 11% of listings have had a price cut.
Are home prices going down in Oswego County, NY?
Home values in Oswego County, NY are up 7.3% over the last year. Zillow's forecast for the next 12 months is +5.2%.
How much do you need to earn to buy a home in Oswego County, NY?
A household needs about $45,299 a year to afford the typical home in Oswego County, NY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $68,379.