Rents are right about where Oswego's 10-year trend predicts.
Rent by unit size
These are HUD Fair Market Rents, the payment standard for a Housing Choice Voucher (Section 8). They often differ from the $1,291 market median above, and that is expected: FMR is the 40th percentile of standard-quality units and counts gross rent, so it includes essential utilities such as electricity, water, gas, sewer, and trash. The market median is asking rent, which usually excludes utilities. HUD sets FMR once a year; market rent here updates monthly.
Source: HUD Small Area Fair Market Rents. Read the methodology →
12-month history
Last updated: October 17, 2026
What the numbers show
Rent in Oswego is at its highest level since Zillow's records here began in August 2023.
Rent in Oswego changed +20.5% over the year to September 2026. Across the 82 New York cities Zillow tracks, the typical change was +5.3%.
Rent has risen 5 months in a row, and rose in 10 of the last 12 months.
30% of the median household income ($53,172) is $1,329 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,300); a 3-bedroom is $1,590.
From Zillow's monthly rent index (ZORI) for Oswego. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.
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Who lives here
Oswego, NY is roughly split between renters and owners, has a median income below the national average, 26.1% of residents hold a bachelor's degree or higher.
Source: U.S. Census Bureau · ACS 2024 5-Year Estimates
How Oswego, NY has changed in 5 years
Census figures show median household income at $53,172 today, compared with $47,847 five years earlier. Renters now make up 49.8% of households, compared with 47.6% five years ago.
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Can you afford rent in Oswego on your salary?
At $1,291/mo, how Oswego rent compares to typical pay (30% rule).
Oswego rent by bedroom count
Median rent for each apartment size in Oswego. Click any size for full breakdown.
Tips for renters in Oswego
Last updated: October 17, 2026
The median rent in Oswego is $1,291/mo as of October 2026. A studio apartment averages $950/mo while a 2-bedroom runs $1,300/mo. One-bedroom apartments average $1,060/mo and 3-bedroom units go for $1,590/mo.
At 29% of local median household income ($53,172/yr), Oswego ranks as affordable compared to the national benchmark of 30%. Rents have increased 20.5% over the past year.
Frequently asked questions
How much income do you need to rent in Oswego?
Is rent going up or down in Oswego?
How does Oswego rent compare to other cities in New York?
At $1,291/mo, rent takes ~29% of Oswego's median household income ($53,172/yr). The standard benchmark is 30%.
How does this area stack up?
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Estimated from ZIP-level data
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