Oswego County Area Home Supply Charts

This page looks at a variety of Oswego County New York housing market data taken from the most recent 2021 American Community Survey census data. Housing units are structures such as a single family home, apartment community, mobile home park, public housing, etc. where a person or family live and live separately from other residents of the building. Figure 1 shows the total number of housing units for each city. Oswego County depicts it has a Housing Units of 54,622 which is in the mid range of other counties in the metro area.

Figure 2 illustrates the housing density in the Oswego County housing market as measured by housing units per square land mile (includes single family homes, apartments, etc.) Oswego County shows it has a Housing Density of 57.4 which is in the mid point range of other counties in the local area. The county with the highest housing density in the area is Onondaga County which depicts a density of 268.6 (approximately 4.7 times bigger). Comparing housing density to the United States average of 39.2, Oswego County is 46.5% larger. Also, versus the state of New York, housing density of 177.5, Oswego County is approximately a third the size.

In Figure 4, Oswego County area change in the number of housing units and is a forward gauge (along with population change) for any potential housing shortage. Oswego County depicts it has a Housing Unit Change of 1.9% which is in the middle range of other counties in the metro area. The county with the highest change in the housing units in the area is Lewis County which shows a housing units of 4.3% (approximately 2.3 times bigger). Comparing change in the housing units to the United States average of 6.5%, Oswego County is approximately a third the size. Also, compared to the state of New York, change in the housing units of 3.1%, Oswego County is approximately three-fourths the size.

Figure 5 shows the percentage of rental property based on that they are occupied by renters as a percent of the total number of households in the community (including homes, apartments, etc.) Oswego County shows it has a Renter Percent of 27.2% which is less than most other counties in the surrounding region. Figure 6 illustrates the total number of housing units that are occupied by owners. it has a Owner Percent of 72.8% which is the third most owner percent of all other counties in the greater Oswego County region.

Oswego County Home Cost Charts

Looking at the housing data provided in Figure 7, the average Oswego County home price is illustrated for this community and a useful analysis of affordable housing. Oswego County shows it has a Median Home Value of $109,500 which is the smallest in terms of median home price of all the other counties in the greater region. The county with the highest median home price in the area is Jefferson County which depicts a home price of $150,100 (37.1% larger). Figure 8 provides aggregate comparative data for the Oswego County New York metro area in terms of the median housing rental rate, apartment rent, etc. Oswego County depicts it has a Median Gross Rent of $806 which is the third most rental rates of all other counties in the greater Oswego County region. The county with the highest rental rates in the area is Jefferson County which indicates a rental rates of $1,018 (26.3% larger). Comparing rental rates to the United States average of $1,096, Oswego County is approximately three-fourths the size. Also, versus the state of New York, rental rates of $1,315, Oswego County is approximately three-fourths the size.

Figure 9 provides the frequency distribution of home prices for the area and is useful for understanding affordable housing fund. Oswego County has the largest proportion of home price worth less than $50,000 at 34% of the total and is ranked #1. Second, it has the smallest proportion of home price worth between $50,000 to $100,000 at 39% of the total. Third, it has the smallest proportion of home price worth between $100,000 to $200,000 at 11% of the total. Also, it has the smallest proportion of home price worth between $200,000 to $300,000 at 2% of the total. In addition, it has the smallest proportion of home price worth between $300,000 to $400,000 at 1% of the total. Furthermore, it has the smallest proportion of home price worth between $400,000 to $500,000 at 0% of the total. Next it has the smallest proportion of home price worth between $500,000 to $750,000 at 0% of the total. Additionally, it has the smallest proportion of home price worth between $750,000 to $1,000,000 at 0% of the total. And then, it has the smallest proportion of home price worth between $1,000,000 to $1,500,000 at 0% of the total. Also, it has the smallest proportion of home price worth between $1,500,000 to $2,000,000 at 0% of the total.

Median owner costs for the real estate market are shown in Figure 10 and include the costs associated with any mortgage, utility expenses, insurance, and other miscellaneous costs. Oswego County depicts it has a Median Owner Cost of $913 which is the third most median ownership cost of all other counties in the greater Oswego County region. Figure 11 shows the median amount of cost as a percent of total household income for people who own homes in the Oswego County metro area. it has a Owner Cost as % of HH Income of 16% which is the third most of all other counties in the metro area.

The next chart, Figure 12, provides a comparison chart of the median home cost as a percent of a median worker take home earnings and is thus a valuable measure of affordable housing. Oswego County depicts it has a Median Home Value as Percent of Median Earnings of 235% which is the smallest when sorted by median home value as a percent of median worker earnings of all the other counties in the greater region.

Figure 14 depicts the median cost of housing for owners with also have a mortgages (versus those who do not have a mortgage because mortgage cost is included.) Oswego County shows it has a Median Owner Costs-With Mortgage of $1,211 which is the smallest in order of median housing cost of all the other counties in the area. Figure 15 is a chart that shows the median housing costs for owners who do not have mortgages (and therefore the cost of home ownership does not include mortgage cost.) it has a Median Owner Costs-Without Mortgage of $521 which is less than most other counties in the greater region.

Figure 16 shows the distribution in total housing cost for owners of property (so not renters.) This cost includes mortgages, lines of credit interest, utilities, taxes, insurance, etc. Oswego County has one of the largest proportions of owner cost less than $300 at 15% of the total and is ranked #2. The only larger county being Lewis County with 22%. Second, it has the largest proportion of owner cost between $500 and $700 at 22% of the total and is ranked #1. Third, it has the smallest proportion of owner cost between $2,000 and $2,500 at 2% of the total. Also, it has the smallest proportion of owner cost between $2,500 and $3,000 at 0% of the total.

Next shown in Figure 17 is the housing cost as a percent of household income for people who own their homes and have a mortgages (thus the cost of financing the home is included.) Oswego County depicts it has a % of Income Owner Costs-With Mortgage of 19% which is less than most other counties in the local area. The county with the highest cost as a percent of household income in the area is Lewis County which indicates a cost as a percent of household income of 20% (8.0% larger). Housing cost as a percent of household income for owners who do not have a mortgage is shown in Figure 18. This analysis can be useful for understanding the affordable housing for home ownership excluding any financing cost in the area shown. Oswego County depicts it has a % of Income Owner Costs-No Mortgage of 12% which is the second most cost as a percent of household income of all the counties in the greater Oswego County region. The county with the highest cost as a percent of household income in the area is Cayuga County which shows a cost as a percent of household income of 12% (only about 2.5% larger).

Figure 19 looks at the cost of rent for rental property using the percent of total household income which is a valuable measure of financial health for the area. (The higher the proportion of rent payments to total household income is a sign of greater financial stress. Also, rent can be covered by rent assistance and rent assistance programs in the form of rent assistance.) Oswego County has the percentage of rent as a percent of income is less than 10 pct the second smallest in terms of rent as a percent of income is less than 10 pct of all the other counties in the metropolitan area at 20% of the total. Second, it has the smallest proportion of rent as a percent of income is between 30pct to 40pct at 6% of the total. Third, it has the largest proportion of rent as a percent of income is between 40pct to 50pct at 25% of the total and is ranked #1.

Figure 20 shows the total housing cost for both home owners and apartment community renters in the area. Oswego County has the largest proportion of housing cost between $500 and $700 at 26% of the total and is ranked #1. Second, it has the smallest proportion of housing cost between $2,000 and $2,500 at 1% of the total.

Figure 21 shows median amount of real estate taxes paid for home owners in the region. it has a Median Real Estate Taxes Paid of $3,123 which is less than most other counties in the area. The county with the highest median real estate taxes paid in the area is Onondaga County which shows a taxes paid of $4,184 (34.0% larger). Comparing median real estate taxes paid to the United States average of $2,551, Oswego County is 22.4% larger. Also, measured against the state of New York, median real estate taxes paid of $5,590, Oswego County is approximately half the size.

Oswego County Home Financing Charts

The analysis in Figure 25 shows the detailed distribution of owned homes by mortgage status. Oswego County has the largest proportion of With Multiple Mortgages at 0% of the total and is ranked #1. Second, it has the largest proportion of Mortgage and 2nd Mortgage at 2% of the total and is ranked #1. Third, it has less than most other counties in the metro area when ranked by With HELOC no Primary Mortgage at 41% of the total.

Oswego County Home Characteristics Charts

Figure 28 shows the household size for families living in the area and it has a Family size of 3.0 which is the second smallest in terms of family members per housing unit of all the other counties in the metro area. The county with the highest family members per housing unit in the area is Lewis County which depicts a family members per housing unit of 3.1 (only about 2.7% larger). Comparing family members per housing unit to the United States average of 3.3, Oswego County is about 9.8% smaller. Also, benchmarked against the state of New York, family members per housing unit of 3.3, Oswego County is about 10.0% smaller.

Figure 29 show the median number of rooms in a typical home for each location in this area. it has a Median Number of Rooms of 5.9 which is in the intermediate range of other counties in the greater region. The county with the highest average number of rooms in a house in the area is Cayuga County which depicts an average number of rooms in a house of 6.1 (only about 3.4% larger). Figure 30 shows, for the average house in each location, the median year that a house was built. This can be useful for understanding the relative age of one neighborhood versus another for a real estate investor. it has a Median Year Built of 1971 which is the highest of all counties in the greater Oswego County region.

Figure 31 looks at the distribution of housing units by the median age that the homes were built. it has the largest proportion of homes built between 1990 to 1999 at 15% of the total and is ranked #1. Second, it has the second smallest as measured by homes built in 2014 or later of all the other counties in the metro area in terms of homes built between 1940 to 1949 at 29% of the total.

Figure 32 shows the difference in the number of housing units based on whether they are occupied by owners versus occupied by renters. has the percentage of owner housing units in the mid point range of other counties in the metropolitan area at 12,685 of the total.

Figure 33 shows the difference in the number of housing units based on whether they are occupied by owners or renters. has the smallest proportion of 10 to 19 units at 1% of the total. Second, it has the largest proportion of 50 or more units at 14% of the total and is ranked #1.

Figure 34 shows the median value of homes broken down by the median year that the homes were built. has the percentage of value of homes built 2014 or later less than most other counties in the metropolitan area at $203,200 of the total. Second, it has the smallest proportion of value of homes built 2010 to 2013 at $152,300 of the total. Third, it has less than most other counties in the greater region when sorted by value of homes built 2000 to 2009 at $141,300 of the total. Also, it has the smallest proportion of value of homes built 1990 to 1999 at $107,700 of the total. In addition, it has the second smallest when ranked by value of homes built 2014 or later of all the other counties in the metropolitan area in terms of value of homes built 1980 to 1989 at $122,000 of the total. Furthermore, it has the second smallest as measured by value of homes built 2014 or later of all the other counties in the metropolitan area when sorted by value of homes built 1970 to 1979 at $115,000 of the total. Next it has the second smallest when sorted by value of homes built 2014 or later of all the other counties in the local area when sorted by value of homes built 1960 to 1969 at $113,100 of the total. Additionally, it has the smallest proportion of value of homes built 1950 to 1959 at $93,100 of the total. And then, it has the smallest proportion of value of homes built 1940 to 1949 at $87,900 of the total.

The next two charts show both the average household size of homeowners versus the average household size of renters. Starting with Figure 36 we see the household size of homeowners for Oswego County residents. it has a Owner-Household Size of 2.5 which is the smallest when ranked by homeowner household size of all the other counties in the local area. The county with the highest homeowner household size in the area is Lewis County which shows a homeowner household size of 2.6 (only about 4.9% larger).

Figure 37 shows the household size for renters. Oswego County shows it has a Renter-Household Size of 2.3 which is more than all other counties in the greater Oswego County region. Figure 38 shows the year that people who own homes moved into this region. it has one of the largest proportions of owners moved in 2019 or later at 15% of the total and is ranked #2. The only larger county being Wayne County with 16%. Second, it has the smallest proportion of owners moved in 2015 to 2018 at 16% of the total. Figure 39 shows the year that people who rent moved into the area. Oswego County has one of the largest proportions of renters moved in 2019 or later at 52% of the total and is ranked #2. The only larger county being Jefferson County with 58%. Second, it has the largest proportion of renters moved in 2000 to 2009 at 5% of the total and is ranked #1.

Figure 40 compares the median year that home owners moved into their home. it has a Owner Median Year Moved In of 2003 which is more than all other counties in the area. Figure 41 compares the median year that renters moved into their home. Oswego County depicts it has a Renter Median Year Moved In of 2015 which is the second most of all the counties in the metropolitan area.

Figure 42 shows the frequency distribution of various types of energy sources used for homes in the community. it has the largest proportion of homes using natural gas at 20% of the total and is ranked #1. Second, it has one of the largest proportions of homes using coal or coke at 10% of the total and is ranked #2. The only larger county being Lewis County with 25%. Third, it has the largest proportion of homes using wood at 0% of the total and is ranked #1. Also, it has one of the largest proportions of homes using solar energy at 2% of the total and is ranked #3. Only #2 Lewis County (2%), and #1 Cayuga County (2%) are larger.

The next two charts show the number of people living in group quarters and includes temporary as well permanent housing which may be run by the Oswego County housing department, New York department, or other housing authority or public housing agency. beginning with Figure 43 which shows the total number of people. Oswego County shows it has a Total In Group Quarters of 4,750 which is in the middle range of other counties in the metro area.