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Oswego, NY Utility & Living Guide
Oswego is a city in and the county seat of Oswego County, New York, United States. The population was 16,921 at the 2020 census. Oswego is situated at the mouth of the Oswego River on the southeastern shore of Lake Ontario in Upstate New York, about 40 miles (64 km) northwest of Syracuse and 74 mile
Monthly Utility Costs
$120/mo
$50/mo
$45/mo
$25/mo
$65/mo
Housing Market
| Rent & Property | |
|---|---|
| 1 Bedroom | $1200/mo |
| 2 Bedrooms | $1600/mo |
| 3 Bedrooms | $2100/mo |
| Median Home Price | $320,000 |
| Property Tax Rate | 1.2% |
| Avg Childcare/mo | $1000 |
Oswego’s housing market is stable with moderate demand. Prices are slightly below national averages, making it attractive for first-time buyers.
Cost of Living
105
+5% above national average
102
98
100
$1000
Tax Rates
| Tax Overview | |
|---|---|
| Total Sales Tax | 7.5% |
| Property Tax Rate | 1.2% |
| <p>State 4% + County 3% + City 0.5%</p> | |
New York State income tax ranges from 4% to 8.82% based on income brackets.
Family & Relocation
50
6.5/10
$1000/mo
City Pulse
Public transit is limited but stroller-friendly with accessible buses and sidewalks in downtown areas.
- Oswego Children's Museum
- Breitbeck Park
- Fort Ontario State Historic Site
Best Neighborhoods for Families
Household Budget Calculator
Estimate your real monthly cost of living in Oswego based on your household profile.
📰 Live Local News
Residents must obtain permits for home renovations and adhere to snow removal ordinances.
Financial Tools
- Income Tax CalculatorEstimate take-home pay by state
- Mortgage CalculatorMonthly payment estimator
- Affordability CalculatorHow much home can you afford?
- Childcare Cost EstimatorCompare daycare costs by city
- Retirement PlannerRetirement readiness check
- Car Lease CalculatorMonthly lease payment estimator
- Savings CalculatorGrow your emergency fund
- City Comparison ToolCompare cities side by side
Find Another City Guide
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📊 Oswego — Census & Demographic Data
Official data from the US Census Bureau, American Community Survey.
☀️ Seasonal Utility Costs
Winter heating costs can double gas bills, while summer AC use raises electric costs by 30-40%.
🏛️ Local Tax Details
Oswego County millage rates vary by town, with additional surtaxes for school districts.
👶 Family & Stroller Friendliness
7/10: Good sidewalk coverage downtown but limited elevator access in older buildings.
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