Is Oswego County, NY good for real estate investing?

Oswego County has an investment score of 70/100, rated as "Buy". The county ranks #148 nationally among 1000 counties analyzed.

What is the rent-to-price ratio in Oswego?

The rent-to-price ratio in Oswego County is 7.88% annually, which ranks in the 91th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Oswego?

The median home price in Oswego County is $193,369. This ranks #207 in affordability among all US counties.

Can you cash flow on rental properties in Oswego?

Based on median values with 20% down at current rates, a typical rental in Oswego County would generate negative cash flow of $188/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Oswego County

New YorkPopulation: 118,037

/100

Buy

#148 of 1,000 counties

#16 in New York (62 counties)

Market Snapshot

$193,369

Median Home Price

29% below national median

$1,270/mo

Median Rent

15% below national median

7.88%

Rent-to-Price Ratio

Top 9% nationally

-$188

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$193,369

Down Payment (20%)$38,674

Loan Amount$154,695

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,270

Monthly P&I-$1,014

Est. Expenses (35%)-$445

Net Cash Flow-$188/mo

5.1%

Cap Rate (all cash)

-5.1%

Cash-on-Cash Return

7.88%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 5.1% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

70/100

Cash Flow(30%)

79/100

Based on 7.88% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

66/100

Based on 1.7% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

85/100

Price-to-income ratio of 3.0x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

+Above-average rent-to-price ratio (7.88%)
+Affordable relative to local incomes
+Complete rent data available

Challenges

-Negative leverage (cap rate 5.1% < mortgage rate 6.9%)

Economic Indicators

Population

118,037

Median Income

$65,054

vs $62,400 national est.

Unemployment Rate

—

Data pending

Price-to-Income

3.0x

Very affordable

Compare to Nearby Counties

County					Verdict
SteubenNY	72	$163,769	$1,332	9.76%	Buy	View
ClintonNY	71	$216,455	Est. pending	—	Buy	View
TiogaNY	71	$190,838	Est. pending	—	Buy	View
CurrentOswegoNY	70	$193,369	$1,270	7.88%	Buy
LewisNY	70	$191,379	Est. pending	—	Buy	View
SenecaNY	69	$212,427	Est. pending	—	Buy	View

The Bottom Line

BuyOswego offers solid investment potential with good cash flow or appreciation prospects.

Oswego County in New York scores 70/100, ranking #148 of 1,000 US counties (top 15%). The 7.88% rent-to-price ratio indicates moderate cash flow potential.

Monthly Cash Flow

$-188/mo

Cap Rate

5.1%

Cash-on-Cash

-5.1%

Ready to Analyze a Deal in Oswego?

Use our investment calculators to run detailed numbers on specific properties.

Single Family1-4 unit rentals, BRRRR House HackOwner-occupied strategy Multifamily5+ unit properties

Explore Other Markets

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$193,369

Down Payment (20%)$38,674

Loan Amount$154,695

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,270

Monthly P&I-$1,014

Est. Expenses (35%)-$445

Net Cash Flow-$188/mo

5.1%

Cap Rate (all cash)

-5.1%

Cash-on-Cash Return

7.88%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 5.1% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

70/100

Cash Flow(30%)

79/100

Based on 7.88% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

66/100

Based on 1.7% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

85/100

Price-to-income ratio of 3.0x. Lower ratios indicate more affordable markets.

County

Verdict

SteubenNY

$163,769

$1,332

9.76%

Buy

View

ClintonNY

$216,455

Est. pending

—

Buy

View

TiogaNY

$190,838

Est. pending

—

Buy

View

CurrentOswegoNY

$193,369

$1,270

7.88%

Buy

LewisNY

$191,379

Est. pending

—

Buy

View

SenecaNY

$212,427

Est. pending

—

Buy

View

The Bottom Line

BuyOswego offers solid investment potential with good cash flow or appreciation prospects.

Oswego County in New York scores 70/100, ranking #148 of 1,000 US counties (top 15%). The 7.88% rent-to-price ratio indicates moderate cash flow potential.

Monthly Cash Flow

$-188/mo

Cap Rate

5.1%

Cash-on-Cash

-5.1%