Oswego County, NY Average Home Price (2026)
The average home price in Oswego County, New York is about $220,500 (the 2026 median across 20 ZIP codes, at ~$188/sq ft) — 34% more affordable than the New York median and 24% more affordable than the typical U.S. home.
How Oswego County compares
Oswego County is about average for housing nationally: its typical home costs $220,500 against $333,000 for New York and $289,000 for the U.S. Within the county, ZIP-level values run from about $141,000 to $279,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Oswego County | $220,500 | $188 |
| New York | $333,000 | $241 |
| United States | $289,000 | $193 |
Oswego County home prices by ZIP code
The 15 most valuable ZIP codes in Oswego County (of 20 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 13115 Minetto | $279,000 | $147 | +27% |
| 13167 West Monroe | $272,000 | $134 | +23% |
| 13036 Central Square | $265,000 | $173 | +20% |
| 13132 Pennellville | $263,000 | $196 | +19% |
| 13044 Constantia | $255,000 | $170 | +16% |
| 13135 Phoenix | $251,000 | $149 | +14% |
| 13076 Hastings | $249,000 | $207 | +13% |
| 13028 Bernhards Bay | $240,000 | $193 | +9% |
| 13114 Mexico | $230,000 | $173 | +4% |
| 13142 Pulaski | $224,000 | $183 | +2% |
| 13131 Parish | $217,000 | $216 | -2% |
| 13074 Hannibal | $200,000 | $138 | -9% |
| 13145 Sandy Creek | $195,000 | $223 | -12% |
| 13083 Lacona | $193,000 | $217 | -12% |
| 13126 Oswego | $191,000 | $121 | -13% |
Home value appreciation in Oswego County
Home prices in Oswego County have risen about 95% over the last 10 years (≈6.9% a year) and +114.0% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +5.5% — still rising. A home worth $220,500 today was worth roughly $113,193 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, New York is +85.6% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Oswego County
Run the numbers for Oswego County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Oswego County
To buy the typical $220,500 home in Oswego County with 20% down, you need a household income of roughly $60,000 a year (about $1,400 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $71,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $11,000 | $1,740/mo | $75,000/yr |
| 10% (+PMI) | $22,100 | $1,660/mo | $71,000/yr |
| 20% | $44,100 | $1,400/mo | $60,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Oswego County
At about $188 per square foot, here is roughly how much home different budgets get you in Oswego County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 800 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1060 sq ft | around the typical home here |
| $250k | 1330 sq ft | around the typical home here |
| $300k | 1600 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2130 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to New York.
Estimate a specific home in Oswego County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Oswego County home prices: frequently asked
What is the average home price in Oswego County, NY? +
What salary do you need to buy a house in Oswego County? +
Which part of Oswego County is most expensive? +
Are home values in Oswego County going up? +
Browse all New York cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.