The story of this market
The typical home in Oswego County, New York sells for about $188,750, or $149 per square foot.
Prices are up +7.89% from a year ago, so sellers still have some momentum. Homes take about 37.5 days to sell. Over the long run, values in this county have grown 59% since 2000. Last year 8 of 14 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is winter weather, which FEMA rates relatively high. HUD's fair market rent for a two-bedroom is $1,493 a month.
HUD sets the fair market rent for a 2-bedroom at $1,493 a month. FEMA's National Risk Index rates overall hazard risk here as Very Low.
Price climate
Every year of price change, 2000–2025
0%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+11.9%). Worst: 2000 (-2.1%). Hover to read a year.
Monthly price momentum
Home values since 2015
+5.5%
NY · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,808
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
0%
2025 change
FHFA repeat-sales index, median of 14 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
12
Very Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $26,619,754.
Mortgage activity
Home lending in this county
77.1%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 3609 | 2114 | 77.1% | 3.3% | $125,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Oswego County, New York
Oswego County demonstrates steady price appreciation and steady transaction velocity, anchored by affordable acquisition values compared to neighboring Onondaga County and national metrics. Inventory remains modest at under 4 months of supply, supporting consistent single-family listing absorption. Regional demand is sustained by stable institutional employment and growing downstream anticipation of major Central New York high-tech manufacturing investments.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 20 cities · 28 ZIP reports
Median prices moved up 1.8% year over year.
Homes spend a median of 36 days on market with 0.3 months of supply — a fast-moving market.
1% of listings have cut prices · homes sell at 26.25% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.6% · poverty 15.3% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.
Deterministic aggregate of 26 researched ZIP reports of 28 — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Oswego County, New York — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 7.1%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 16
researched Sep 16
researched Oct 8
researched Sep 17
researched Sep 18
researched Oct 8
researched Sep 20
researched Sep 16
researched Sep 16
researched Sep 16
| 13028 | Town of Bernhards Bay | $319,950 | $193 | -3.8% | 33 | 100% | 6% | 1.1 | 900 | $1,625 | researched Sep 16 |
| 13036 | Town of Central Square | $257,370 | $155 | -2.9% | 34 | 98.5% | 12% | 2.3 | 42 | $927 | researched Sep 16 |
| 13042 | Town of Cleveland | $123,300 | — | — | — | — | — | — | — | $1,210 | researched Oct 8 |
| 13044 | Town of Constantia | $335,000 | $231 | +27.6% | 33 | 103.2% | 6% | 0.2 | 53 | $891 | researched Sep 17 |
| 13069 | City of Fulton | $164,900 | $129 | 0% | 33 | — | — | — | 458 | $926 | researched Sep 18 |
| 13074 | Town of Hannibal | $204,571 | $135 | +2.4% | 62 | 97.5% | 12% | 3.4 | 48 | $1,250 | researched Oct 8 |
| 13076 | Town of Hannibal | $275,450 | $193 | +12.5% | 33 | 103.2% | 6% | 2.8 | 900 | $642 | researched Sep 20 |
| 13083 | Town of Lacona | $319,950 | $193 | -3.8% | 33 | 100% | 6% | 1.1 | 900 | $881 | researched Sep 16 |
| 13093 | Town of Lycoming | $199,900 | $146 | +17.7% | 28 | 103.2% | 6% | 2.3 | 744 | $1,625 | researched Sep 16 |
| 13103 | Mallory | $199,900 | $135 | +17.6% | 34 | 98.5% | 25% | 3.2 | 339 | $1,643 | researched Sep 16 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Oswego County experiences overall violent crime rates markedly lower than the national benchmark, though localized property crime and larceny cluster more heavily in the core urban centers of Oswego and Fulton. Rural townships and lakefront villages maintain exceptionally low reported incident frequencies. The regional trend has remained largely stable year-over-year across both county sheriff and municipal department blotters.
Public education is administered across nine independent school districts, with Oswego City School District and Fulton City School District operating as the largest. Performance metrics reflect a wide spectrum, where districts such as Mexico and Central Square show solid graduation metrics, while broader testing proficiencies align moderately with upstate New York averages. Regional technical training is heavily bolstered by the Center for Instruction, Technology and Innovation (CiTi BOCES).
The primary environmental hazard across Oswego County is extreme lake-effect winter snowfall along the eastern shores of Lake Ontario, alongside localized spring flood risks along the Oswego and Salmon Rivers. Wildfire exposure is negligible, but high shoreline wind gusts routinely impact coastal structures. Rising regional homeowner insurance premiums increasingly factor in shoreline erosion and intense cold-weather infrastructure loads.
Economic momentum is increasingly tied to the regional spillover effects of Micron Technology's megafab investment in neighboring northern Onondaga County, generating commercial interest along the Interstate 81 and Route 481 corridors. Stable institutional cornerstones include the Port of Oswego, SUNY Oswego, and the operational footprint of Constellation Energy's Nine Mile Point and Fitzpatrick nuclear facilities. County planning authorities are actively targeting industrial park expansions and housing supply revitalization to capture anticipated worker growth.
Oswego County real property taxes are established locally through municipal assessors under New York State Real Property Tax Law, with taxable values reconciled by state equalization rates across towns. Consolidated tax bills comprise county general levies, town/city taxes, special fire/lighting district charges, and independent school district millages, with aggregate effective rates typically spanning 2.0% to 2.8%. Standard state exemptions including Basic and Enhanced STAR, senior citizen, and veterans exemptions offer partial valuation reductions on qualifying primary residences.
The county offers exceptional waterfront recreation along Lake Ontario and Oneida Lake, world-class salmon and steelhead fly-fishing on the Salmon River in Pulaski, and extensive state forest trail systems. Local attractions include the historic Fort Ontario State Historic Site, Breitbeck Park, Oswego Speedway, and convenient access to diverse snowmobile trails.
Rental inventory is tightest around SUNY Oswego student housing submarkets and the cities of Oswego and Fulton, where median residential rents hover near $1,400 monthly. Investor interest remains sustained in single-family and small multifamily assets, partly supported by steady seasonal fishing tourism short-term rentals along the Salmon River corridor.
The local economy is anchored by clean energy generation via Constellation Energy nuclear facilities, higher education at SUNY Oswego, healthcare providers like Oswego Health, and multimodal transportation via the Port of Oswego. Advanced manufacturing and logistics operations along Route 481 and Interstate 81 contribute steady base employment, with growing positioning as an affordable supply-chain node for the Syracuse semiconductor corridor.
Primary vehicular corridors include Interstate 81 running north-south through the eastern county, connecting Syracuse to Watertown and Canada, and NY State Route 481 connecting Fulton and Oswego to Syracuse. Regional bus transit is facilitated by Centro across core municipalities, while rail freight service connects via CSX lines and maritime shipping via the Port of Oswego.
Municipal planning departments and the County Industrial Development Agency (IDA) are prioritizing industrial site shovel-readiness, sewer and water district expansions, and brownfield reuse in former industrial riverfront parcels. Comprehensive plan reviews emphasize modern housing stock additions to balance aging historic structures.
Property valuation in New York is performed by appointed or elected assessors at the city and town municipal level rather than a single unified county appraisal district. Municipal assessments are standardized annually through New York State equalization rates to determine apportioned county, school, and special district tax obligations.
Parcels are subject to overlapping special ad valorem taxing districts including rural fire protection districts, town water and sewer improvement districts, lighting districts, and consolidated regional school districts. The Oswego County Soil and Water Conservation District coordinates natural resource and water shed protection programs without separate millage authority.
Property insurance is generally stable inland but subject to elevated underwriting review and premium surcharges for properties situated directly along the open Lake Ontario shoreline subject to severe storm surges and coastal erosion. Freezing temperatures and significant lake-effect snow loads lead to regular seasonal roof and pipe-freeze claim considerations.
- Sterling Renaissance Festival4.425.2 mi
- Splash Indoor Waterpark Resort4.316.6 mi
- Sky Zone Trampoline Park4.420.4 mi
- Central Rock Gym - Syracuse4.929.4 mi
- Get Air Trampoline Park4.423.5 mi
- New York State Fairgrounds4.528.3 mi
- Dinosaur Bar-B-Que4.629.7 mi
- Empower FCU Amphitheater at Lakeview4.227.3 mi
- Golden Corral Buffet & Grill4.129.6 mi
- NYS Fairgrounds Main Gate4.528.4 mi
- Southwick Beach State Park4.619.7 mi
- Sandy Island Beach State Park4.510.3 mi
- Oneida Shores County Park4.417.9 mi
- Fort Ontario State Historic Site4.716.6 mi
- Selkirk Shores State Park4.55.1 mi
- Erie Canal Museum4.729.9 mi
- Fort Ontario State Historic Site4.716.6 mi
- Children's Museum of Oswego (CMOO)4.816.8 mi
- Salt Museum4.326.5 mi
- Skä•noñh Great Law of Peace Center4.926.9 mi
- Southwick Beach State Park4.619.7 mi
- Sandy Island Beach State Park4.510.3 mi
- Oneida Shores County Park4.417.9 mi
- Selkirk Shores State Park4.55.1 mi
- Breitbeck Park4.717.4 mi
- Battle Island State Park Golf Course4.415.6 mi
- Greenview Country Club4.114.5 mi
- Greens At Beaumont3.918.9 mi
- Price Chopper4.216.5 mi
- Price Chopper4.215.5 mi
- T.J. Maxx4.315.5 mi
- Oswego Plaza4.215.4 mi
- Syracuse Hancock International Airport4.225.9 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
A star-shaped 18th-century fortification overlooking Lake Ontario and the Oswego River, offering scenic walking grounds, historic exhibits, and regional cultural events.
World-renowned freshwater fishery attracting global anglers for major fall and winter runs of Chinook salmon, coho salmon, and steelhead.
Premier waterfront park in the city of Oswego offering walking trails, manicured green space, lake overlooks, and hosting the annual Oswego Harborfest festival.
Legendary asphalt short-track racing facility known as the 'Steel Palace', home to the prestigious annual International Classic supermodified race.
Lake Ontario shoreline park featuring beachfront campsites, boat launches, birding trails along Grindstone Creek, and sunset viewing.
Data retrieved from U.S. Census Bureau American Community Survey (ACS) 5-year tables for Oswego County, NY (FIPS 36075).
applies when — Applies to residential rental property where at least 20% of units are subject to an agreement restricting occupancy to income-qualified tenants.
The assessed valuation must be determined using the income approach based on actual net operating income, excluding subsidies, tax credits, or grants used for development costs.
N.Y. Real Property Tax Law Section 581-A
New York is a judicial foreclosure state, meaning the lender must file a lawsuit in court to foreclose on a property. The process typically takes approximately one year from the start of the case to the sale of the home.
New York Real Property Actions and Proceedings Law
applies when — Applies to the sale of residential real property (up to four units).
Sellers are required to provide a Property Condition Disclosure Statement to the buyer. Failure to provide the statement may result in a credit of $500 to the buyer at closing. Knowingly false or incomplete statements may subject the seller to legal claims.
New York Real Property Law Article 14, Section 462
Real property is assessed by local jurisdictions based on a uniform percentage of value. The tax liability is calculated as (Assessed Value * Tax Rate) - Exemptions. Owners of one, two, or three-family owner-occupied residential property have the right to Small Claims Assessment Review (SCAR) to challenge assessments.
New York Real Property Tax Law Article 3 and 7
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.