Is Oswego County, NY good for real estate investing?

Oswego County has an investment score of 74/100, rated as "Buy". The county ranks #54 nationally among 1000 counties analyzed.

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

The rent-to-price ratio in Oswego County is 8.63% annually, which ranks in the 95th 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 $190,040. This ranks #323 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 $108/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Oswego County

New YorkPopulation: 118,037Syracuse, NY Metro

/100

Buy

#54 of 1,000 counties

#3 in New York (62 counties)

Market Snapshot

$190,040

Median Home Price

19% below national median

$1,366/mo

Median Rent

10% below national median

8.63%

Rent-to-Price Ratio

Top 5% nationally

-$108

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Price History

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$190,040

Down Payment (20%)$38,008

Loan Amount$152,032

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,366

Monthly P&I-$996

Est. Expenses (35%)-$478

Net Cash Flow-$108/mo

5.6%

Cap Rate (all cash)

-3.0%

Cash-on-Cash Return

8.63%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 5.6% 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

74/100

Cash Flow(30%)

86/100

Based on 8.63% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

73/100

Based on 2.3% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

86/100

Price-to-income ratio of 2.9x. 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 (8.63%)
+Affordable relative to local incomes
+Complete rent data available

Challenges

-Negative leverage (cap rate 5.6% < mortgage rate 6.9%)

Economic Indicators

Population

118,037

Median Income

$65,054

vs $57,018 national est.

Unemployment Rate

—

Data pending

Price-to-Income

2.9x

Very affordable

Compare to Nearby Counties

County					Verdict
OneidaNY	75	$225,470	$1,472	7.84%	Strong Buy	View
CurrentOswegoNY	74	$190,040	$1,366	8.63%	Buy
ChemungNY	73	$151,982	$1,161	9.17%	Buy	View
CattaraugusNY	73	$158,795	$1,089	8.23%	Buy	View
SteubenNY	72	$163,769	$1,332	9.76%	Buy	View
OnondagaNY	72	$264,378	$1,627	7.39%	Buy	View

The Bottom Line

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

Oswego County in New York scores 74/100, ranking #54 of 1,000 US counties (top 7%). The 8.63% rent-to-price ratio exceeds the 1% rule target, suggesting strong cash flow potential.

Monthly Cash Flow

$-108/mo

Cap Rate

5.6%

Cash-on-Cash

-3.0%

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$190,040

Down Payment (20%)$38,008

Loan Amount$152,032

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,366

Monthly P&I-$996

Est. Expenses (35%)-$478

Net Cash Flow-$108/mo

5.6%

Cap Rate (all cash)

-3.0%

Cash-on-Cash Return

8.63%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 5.6% 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

74/100

Cash Flow(30%)

86/100

Based on 8.63% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

73/100

Based on 2.3% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

86/100

Price-to-income ratio of 2.9x. Lower ratios indicate more affordable markets.

County

Verdict

OneidaNY

$225,470

$1,472

7.84%

Strong Buy

View

CurrentOswegoNY

$190,040

$1,366

8.63%

Buy

ChemungNY

$151,982

$1,161

9.17%

Buy

View

CattaraugusNY

$158,795

$1,089

8.23%

Buy

View

SteubenNY

$163,769

$1,332

9.76%

Buy

View

OnondagaNY

$264,378

$1,627

7.39%

Buy

View

The Bottom Line

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

Oswego County in New York scores 74/100, ranking #54 of 1,000 US counties (top 7%). The 8.63% rent-to-price ratio exceeds the 1% rule target, suggesting strong cash flow potential.

Monthly Cash Flow

$-108/mo

Cap Rate

5.6%

Cash-on-Cash

-3.0%