Oswego County, NY at a glance
Median household income
$69,183$5,765 per month · U.S. Census Bureau ACS 5-YearHow much rent can you afford in Oswego County, NY?
HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.
How much is rent in Oswego County, NY? By bedroom, 2026
HUD's fiscal 2026 Fair Market Rents for Syracuse, NY MSA, with the income each one takes if rent stays under 30% of it.
| Unit Size | Monthly Rent | Annual Rent | 30% Rule Min. Income | % of Median Income |
|---|---|---|---|---|
| Studio / Efficiency | $995 | $11,940 | $39,800 | 17.3% |
| 1-Bedroom Apartment | $1,123 | $13,476 | $44,920 | 19.5% |
| 2-Bedroom ApartmentBenchmark | $1,392 | $16,704 | $55,680 | 24.1% |
| 3-Bedroom Home | $1,691 | $20,292 | $67,640 | 29.3% |
| 4-Bedroom Home | $1,848 | $22,176 | $73,920 | 32.1% |
What a typical income covers in Oswego County, NY
The 50/30/20 rule applied to the local median of $69,183 a year ($5,765 a month before tax).
What $69,183 leaves after New York taxes
Federal income tax, Social Security, Medicare and New York tax on the local median income. Change the salary to see yours.
Rent, jobs and pay in New York
Living in Oswego County, NY: common questions
What is the median household income in Oswego County, NY?
According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Oswego County, NY is $69,183 per year (approximately $5,765 per month).
What is the average rent in Oswego County, NY?
The closest official figure is HUD's Fair Market Rent for 2026: $995 for a studio, $1,123 for one bedroom, $1,392 for two, $1,691 for three and $1,848 for four, utilities included.
It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.
Is Oswego County, NY expensive to live in?
Prices there run 4.3% below the U.S. average. BEA's regional price parity for the metro area is 95.7, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.
How much do you need to earn to comfortably afford rent in Oswego County, NY?
To keep a $1,392 two-bedroom under 30% of gross income, a household needs about $55,680 a year, or $4,640 a month. That is 80% of what the typical household in Oswego County, NY earns.
How much do you need to live comfortably in Oswego County, NY?
On the local median income of $69,183 ($5,765 a month before tax), the 50/30/20 rule leaves $2,883 a month for needs like rent, utilities and groceries, $1,730 for everything else and $1,153 for savings or debt. A two-bedroom at $1,392 takes 48% of the needs share.
How much is the electric bill in Oswego County, NY?
Homes in New York paid 29.5¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $265. Your bill depends mostly on heating and cooling.