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Oswego city, NY

ZIP 13126 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 13126

Median Home Value
$134,600
Median Rent
$856
Affordability Snapshot
$37,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$865/mo PITI).

16%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.1 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 13126 in Oswego city, NY, a household would need roughly $37,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $865. That sits below the local median household income ($63,590), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
66.1%+1% vs US avg
x
Vacancy Rate
13.1%+27% vs US avg
x
Broadband Access
89.3%+3% vs US avg
x
4+ Bedrooms
4.9%-67% vs US avg
x
Built Pre-1939
4.8%-63% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
25.5%-49% vs US avg
x
Mortgage-Free
46.4%+21% vs US avg
x
$134,600
Home Value
$856
Rent
1960
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached66.3%
  • 1-unit attached3.6%
  • 2-9 units17.9%
  • 10+ units5.4%
  • Mobile home & other6.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$134,600
Median rent$856
Owner-occupied66.1%
Vacant13.1%
Price-to-income2.1x
Est. income to buy$37,000