ZIP Code · NY

ZIP 13126

Part of Oswego, NY

Pop. 36,495·Oswego County·315th most expensive ZIP in New York

Median rent (all units)

$1,291/mo

Year-over-Year

+20.3%

Month-over-Month

+3.4%

vs US Median

-$641

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 13126 · $1,291

More affordable than 87% of US ZIP codes · National median $1,932/mo

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Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio

$970

1 BR

$1,100

2 BR

$1,360

3 BR

$1,650

4 BR+

$1,810

Research median

$1,360/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Compared with the peak

Rent in ZIP 13126 is at its highest level since Zillow's records here began in August 2023.

Past year vs. the rest of New York

Rent in ZIP 13126 changed +20.3% over the year to September 2026. Across the 251 New York ZIP codes Zillow tracks, the typical change was +5.6%.

Recent direction

Rent has risen 5 months in a row, and rose in 10 of the last 12 months.

What a typical income covers

30% of the median household income ($65,346) is $1,634 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,360); a 3-bedroom is $1,650.

From Zillow's monthly rent index (ZORI) for ZIP 13126. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$15,492/yr

At $1,291/mo median

Location

CityOswego

StateNY

CountyOswego County

Rent Market Meter

Strong Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are up 20.3% year-over-year. Expect competition, and move quickly to lock in terms.

Based on rent-price momentum (+20.3% YoY, +3.4% MoM), not inventory.

Demographics

Who lives here

ZIP 13126 (Oswego, NY) is majority owner-occupied, skews toward younger working-age adults, has a median income below the national average, 27.4% of residents hold a bachelor's degree or higher.

Population

36,495

Median income

$65,346

Median age

Renters

34.5%

Age distribution

19.5%

30.5%

19.8%

12.9%

17.4%

Under 1819.5%

18–3430.5%

35–5419.8%

55–6412.9%

65+17.4%

Gender

48.9%

51.1%

Male48.9%

Female51.1%

Race & ethnicity

88.5%

White88.5%

Black2.3%

Hispanic5.4%

Asian1.7%

Other2.2%

Education (25+)

35.3%

28.6%

27.4%

No HS diploma8.8%

HS diploma35.3%

Some college28.6%

Bachelor's+27.4%

Housing tenure

65.5%

34.5%

Owner65.5%

Renter34.5%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 13126 in Oswego, NY has changed in 5 years

Income

$58,378 → $65,346

up 11.9%

Population

35,339 → 36,495

up 3.3%

Renter share

32.3% → 34.5%

+2.2 pts

Bachelor's+

27% → 27.4%

+0.4 pts

Median age

35.8 → 35

-0.8 yrs

Household income in the area moved from $58,378 to $65,346 across the same window, up 11.9% versus 2021. The population has grown by 3.3% since 2021, moving from about 35,339 residents to roughly 36,495. Renters now make up 34.5% of households, compared with 32.3% five years ago.

Community

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Local insights

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About renting in ZIP 13126

Last updated: October 17, 2026

ZIP code 13126 covers Oswego, NY. The median rent here is $1,291/mo as of October 2026. A 1-bedroom rents for a median of $1,100/mo. A 2-bedroom rents for a median of $1,360/mo.

At 24% of local median household income ($65,346/yr), ZIP 13126 ranks as affordable compared to the national benchmark of 30%. Rents have increased 20.3% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 13126?

To keep rent at or below 30% of gross income, you would need to earn at least $52,000/year (about $25/hour full-time) to afford the median rent of $1,291/mo in ZIP 13126. The local median household income is $65,346/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 13126?

Rent in ZIP 13126 has risen 20.3% over the past year as of September 2026. That is the highest level since Zillow's records here began in August 2023.

How does ZIP 13126 compare to other ZIPs in New York?

ZIP 13126 is one of the more affordable among New York ZIP codes for rent, ranking #315 of 334 at $1,291/mo. Over the year to September 2026, rent in ZIP 13126 changed +20.3%, against a typical +5.6% across the 251 New York ZIP codes Zillow tracks.