The story of this market
The typical home in Oswego County, New York sells for about $230,000, or $123 per square foot.
Prices are up +39.4% from a year ago, so sellers still have some momentum. Homes take about 55 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 Approval rate is approved ÷ decided (withdrawn and incomplete files excluded).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 is experiencing significant price appreciation, with median sale prices rising sharply year-over-year. The market remains competitive with low inventory levels driving demand. Buyers are finding more value here compared to neighboring counties in the Syracuse region.
87 distress filing(s) on the ARED verified county foreclosure ledger. Key-figure check: median price corroborated by the published ten-year series (2025) (within 12.5%).
Select a city to expand its ZIP intel reports beneath · 22 cities · 28 ZIP reports
Median prices moved up 1.2% year over year.
Homes spend a median of 37 days on market with 0.3 months of supply — a fast-moving market.
1% of listings have cut prices · homes sell at 30.28% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.0% · poverty 13.0% — a stable, low-distress profile.
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 3.3%/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 | 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.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (New York) — Income-Based Assessment for Affordable Rental Housing: 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. State (New York) — Real Property Tax Assessment: 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.
- 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 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.
Provides extensive recreational opportunities including fishing, boating, and scenic shoreline access.
Renowned for world-class salmon and steelhead fishing, attracting anglers from across the region.
Data retrieved from data.census.gov
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.