Rental market · Oswego, NY · Incorporated city
Oswego, NY: average rent, home values, and rental yield
Middle Atlantic · Population 17,033
DatasetCity Market Score, model balanced4,812 of 5,233 tracked U.S. markets rankedgenerated 2026-10-06Latest source releases: Zillow ZHVI/ZORI 2026-08 · Census ACS 5-yr 2024 · Census PEP 2025 · Census BPS 2025 · BLS LAUS 2025 · Redfin 2026-05 · FBI CDE 2025How this is built
A60.3
#687 of 4,812 ranked markets
Overall Score 60.3 · stronger than 86% of ranked markets
Confidence 82/100 · 3 of 13 factors imputed
On the ranked lists: one of 614 markets at 8%+ gross yield · one of 494 markets at 3x income or less · #62 of 684 under $200k. List pages show the top 100.
Grade A: the biggest single drag is Growth, 42.3 of 100 at 35% of the score, which is 59% of the distance to a perfect 100. See the arithmetic
Why this market does or does not qualify
Overall City Market Score rank #687 of 4,812. The standardized Buy & Hold screen cannot produce a complete result for this city. Why rank and cash flow can disagree
Supported strengths
Cash Flow 93/100 and Stability 55/100.
Measured weakness
Growth is the weakest category at 42/100.
Missing screen inputs: investor-entry price estimate. Primary evidenced risk: property-tax burden is the weakest measured factor (2nd national percentile).
Data caveat: no missing input is treated as a zero cost. Bring an actual property’s price, rent, taxes, condition, and insurance quote to the calculator.
Why this grade
Overall 60.3 is a weighted geometric mean of the three category scores. Because they are multiplied rather than averaged, their distances from a perfect 100 combine as an exact identity, and each category's share of that distance is the arithmetic below, not an estimate. Growth carries 59% of it, which is what makes it the binding constraint on this grade.
Cash Flow · 35% weight
92.8 / 100
5% of the shortfall
Growth · 35% weight
42.3 / 100
59% of the shortfall
Stability · 30% weight
55 / 100
35% of the shortfall
Inside Growth, the shortfall splits over the factors the model scored here, exactly, in proportion to their published weights. The largest component is population growth (weight 12 of the category's 35, 22nd national percentile, 46% of the category's own shortfall); next is job growth (weight 12 of the category's 35, 40th national percentile, 36% of the category's own shortfall).
What this is not. It is not a claim that a different value on any one factor would produce a different score or a different grade. Every factor is scored as a national percentile and the grade is a percentile cut against the other 4,812 ranked markets, so this market's position moves only relative to all of them, never on its own. No factor was dropped for this market. 3 of the 13 factors were imputed (home-value growth, violent crime, property crime): the model had no city input of the kind it scores, so it used a reference median instead of a measurement (the same county, or the same state and population band; a national median for a yield cost input), and the factor table marks each one as a fallback.
How Oswego ranks nationally
Each row places Oswego among all 4,812 ranked U.S. markets: the marker is this city, the centre tick is the national median, and the bar runs from one to the other. Further right is better for an investor; inverted measures (crime, vacancy, price-to-income) are already flipped.
Overall Scorethe flagship rank
60.386th percentile
Cash Flowyield & affordability
9396th percentile
Growthpopulation, jobs, income
4236th percentile
Stabilitycrime, vacancy, unemployment
5562nd percentile
Expense-adjusted yield5.1% net of costs
9090th percentile
Affordabilityprice-to-income 2.3×
98more affordable than 98%
Rental vacancy5.7% vacant
41tighter than 41%
Population growth-0.2%/yr (capped)
2222nd percentile
Job growth0.4%/yr (capped)
4040th percentile
What a deal looks like here
We can't build a representative buy-box for Oswego yet: no investor-entry price (Zillow Bottom-Tier ZHVI) could be identity-matched to this market. Rather than fabricate numbers, bring your own price and rent to the calculator.
Open the cash-flow calculator →Market Negotiation Leverage
Some buyer leverage (71st percentile among 6,196 cities with Redfin coverage)
Equal-weight composite of three Redfin signals’ national percentiles (days on market 83, months of supply 2.3, sale-to-list 95.9%), direction-adjusted so a higher percentile always means more room for a buyer to negotiate. This is a cross-sectional snapshot against every other tracked city today, not a seasonal or historical baseline for this specific city (no multi-year time series is committed for this data). Not a prediction of what any specific seller will accept. Source: Redfin Data Center. See how this is calculated.
Median home value (Census ACS) $120,600
Median rent $1,344/mo
Population 17,033
Region Middle Atlantic
Price & rent history
Asking rent $846 → $1,344 (2023-08–2026-08)
Home value: no Zillow ZHVI series - Zillow does not cover this city (Census-only). Nothing plotted rather than estimated.
Source: Zillow ZORI (asking rent), monthly from 2023-08 to 2026-08. Change the range or hover to read any point. Gaps in the source series are left as gaps - never interpolated.
ZIP markets in Oswego
1 Census ZIP Code (ZCTAs) officially overlap Oswego by land area · 1 data-eligible for subscores. Overlap is Census land-area share, not a population or address share. Each ZIP Code's overall Rental Investor ZIP Score, grade and canonical national rank are shown below (the two component signals, affordability and rental market, are separate percentiles). There is no city-scoped ZIP rank: city overlap isn't a ranking universe, so only the national rank is shown. These ZIP rankings sit in the ZIP universe only, never mixed with, and not directly comparable to, Oswego's city ranking. Vintage: the Key metric column below is Census ACS 2020–2024 (5-year), the same survey release as the figures used above for Oswego itself; a city and a ZIP Code are different geographies, so the same measure can still show a different number at each level.
1 of 1 overlapping ZIP Code area, scoredgrade, overall Rental Investor ZIP Score and national rank for each, on a separate model from this page's city scoreShow table
| ZIP Code | Overallgrade · natl rank | Tier · overlap | Affordabilitysignal · natl rank | Rental marketsignal · natl rank | Key metric |
|---|---|---|---|---|---|
| 13126Oswego | B 56#5,564 nat | RankedPrimary | 46#11,178 of 20,132 · bottom 44% | 52#8,681 of 20,132 · top 43% | 8.8%Survey yield |
The honest read
Oswego scores 60/100 overall (grade A): 93 for Cash Flow, 42 for Growth, and 55 for Stability, each a 0–100 score built from the factors in that category. The scenario above shows what a representative investor-entry purchase pencils out to at today's rates. Everything we can measure is in the table below, with its source.
Every factor, shown
The Overall score blends three category scores built from thirteen factors: Cash Flow (35%), Growth (35%), and Stability (30%). The tag on each percentile names the category a scored factor feeds; untagged rows are context, not scored. Each band chip restates that row's percentile in words. Every value carries its source and as-of date; a fallback source or imputed value is marked fallback. How the score works.
| Factor | Value | National percentile | Source · as-of | What it means |
|---|---|---|---|---|
| Expense-adjusted yield fallback | 5.1% | Top 10%90th percentile · Cash Flow | Census ACS · ACS 5-yr 2020-2024 | Annual rent divided by price, net of a modeled vacancy, tax, capex, and management allowance: the core of the Cash Flow category and what the score is actually computed from. The unadjusted gross yield is shown elsewhere on this page. |
| Price to income fallback | 2.3x | Top 10%98th percentile · Cash Flow | Census ACS · ACS 5-yr 2020-2024 | Home price over local median income. Lower is cheaper relative to what people earn. Part of the Cash Flow category. |
| Population growth | -0.2%/yr (observed -0.1%/yr, capped for scoring) | Bottom quartile22nd percentile · Growth | Census PEP · Census PEP 2020→2025 (vintage 2025) + Census PEP 2015→2025 (vintages 2019+2025) | Census population trend for the place, capped at 4.5%/yr before scoring (diminishing returns above that rate): the heaviest factor in the Growth category. |
| Job growth | 0.4%/yr | Below median40th percentile · Growth | BLS LAUS (county) · BLS LAUS county annual 2019→2025 (pre-COVID anchor; 2025 is an 11-month average) + BLS LAUS county annual 2015→2025 | County employment trend, capped at 4.0%/yr before scoring (diminishing returns above that rate). A Growth-category factor. |
| Income growth | 4.2%/yr | Below median35th percentile · Growth | Census ACS · ACS 5-yr 2020-2024 | Local median-income trend. A Growth-category factor. |
| Rent growth | 16.7%/yr | Top 10%99th percentile · Growth | Zillow ZORI · 3yr to 2026-08-31 | A 40/60 blend of 3-year and 10-year rent trend (the model's own weighting). A Growth-category factor. |
| Home-value growth fallback | 5.9%/yr | Top quartile81st percentile · Growth | Model cohort median (eligible county or state/population cohort); no city-specific observation. Published 2026-10-06 | A 40/60 blend of 3-year and 10-year price trend (the model's own weighting). A small Growth-category factor. |
| Violent crime fallback | 89 /100k/yr | Top quartile79th percentile · Stability | Model cohort median (eligible county or state/population cohort); no city-specific observation. Published 2026-10-06 | Reported violent crimes per 100,000 residents a year (the FBI's monthly agency rates, times 12). No agency reported this place to the FBI, so the score uses the model cohort median shown (same county, or same state and population band), not a city observation. City-level data cannot resolve within-neighborhood risk. |
| Property crime fallback | 677 /100k/yr | Top quartile88th percentile · Stability | Model cohort median (eligible county or state/population cohort); no city-specific observation. Published 2026-10-06 | Reported property crimes per 100,000 residents a year. No agency reported this place to the FBI, so the score uses the model cohort median shown (same county, or same state and population band), not a city observation. |
| Unemployment | 4.3% | Below median42nd percentile · Stability | BLS LAUS (county) · BLS LAUS county annual 2025 (11-month average) | County unemployment rate. Lower is steadier, a Stability-category factor. |
| Rental vacancy | 5.7% | Below median41st percentile · Stability | Census ACS B25004 · ACS 5-yr 2020-2024 | Share of rentals empty. Lower means more pricing power. A Stability-category factor. |
| Property tax rate | 2.8% | Bottom 10%2nd percentile · Stability | Census ACS B25103/B25077 · ACS 5-yr 2020-2024 | Median tax over median value. A direct drag on cash flow, scored in the Stability category as carrying-cost burden. |
| Months of supply | 2.3 mo | Above median69th percentile · Stability | Redfin Data Center · 2026-05-01 | Listings over sales pace. Under about 4 is a seller market, over 6 a buyer market. A Stability-category factor. |
| Days on market | 83 days | Bottom quartile11th percentile | Redfin Data Center · 2026-05-01 | How fast homes sell. Lower means more liquidity and an easier exit. Shown for context, not scored. |
| Sale-to-list ratio | 95.9% | Bottom quartile12th percentile | Redfin Data Center · 2026-05-01 | Sale price over asking. Above 100% means homes clear over ask. Shown for context, not scored. |
| Net domestic migration | +3.8/1k | Above median71st percentile | Census PEP (county) · PEP vintage 2025 | Net people moving in or out of the county, per 1,000 residents. Shown for context, not scored. |
| Building permits | 8.8/1k | Above median61st percentile | Census BPS (county) · BPS 2025 | New-construction permits per 1,000 homes. More means more supply coming. Shown for context, not scored. |
| Rent burden | 36% | Bottom quartile13th percentile | Census ACS B25071 · ACS 5-yr 2020-2024 | Median rent as a share of income. Higher means less headroom for increases. Shown for context, not scored. |
| Median year built | 1939 or earlier | Bottom 10%at or below the 3rd percentile | Census ACS B25035 · ACS 5-yr 2020-2024 | Age of the housing stock. Older stock carries more capex. Shown for context, not scored. The Census publishes this median only as "1939 or earlier", so its national percentile is the range a tie at the code allows: 103 other ranked cities carry the same code. |
| Max drawdown | not measured | - | derived | Worst peak-to-trough home-value decline on record. Shown for context, not scored. |
- * Job growth and unemployment are county-level (BLS LAUS, county FIPS 36075); large multi-county cities inherit their dominant county’s figures.
- Yield uses ACS median gross rent and home value (Census survey data, 2020–2024 average) because Zillow does not cover this city - not directly comparable to Zillow-based yields.
- The Census Bureau publishes this city's median year built only as "1939 or earlier" (ACS table B25035): an open-ended range, not an estimate, which the data carries as the code 1938. This page shows it as "1939 or earlier", and its national percentile only as the range a tie at the code allows.
- Rent growth in smaller cities rests on thinner Zillow samples - treat 16.7%/yr as directional, not precise.
- Data flag: cashYield: ACS fallback (no Zillow rent+value).
- Data flag: rentGrowth: under 10yr of ZORI history - recent window only.
- Data flag: appreciation: ACS CAGR fallback. The score does not use a city figure for this factor: it uses the model cohort median shown in the factor table.
Where to go next from Oswego
Every link below is this market's own data taken one step further: its neighbours in the ranking, the same numbers side by side, or the same numbers in a calculator you can change.
Nearby in the New York rankings, and national look-alikes
- Great Neck Plaza, NYGrade A · score 62/100 · yield 7.1% · $416,100 · #512 national
- Gloversville, NYGrade A · score 59/100 · yield 10.2% · $184,930 · #839 nationalZillow ZHVI $56k (2000) to $185k (2026), +229%
- Dunkirk, NYGrade B · score 56/100 · yield 11.0% · $133,452 · #1,110 nationalZillow ZHVI $121k (2023) to $133k (2026), +11%
- Havre de Grace, MDGrade A · score 60/100 · yield 5.0% · $408,306 · #689 nationalZillow ZHVI $168k (2000) to $408k (2026), +144%
- North Olmsted, OHGrade A · score 60/100 · yield 7.9% · $278,542 · #686 nationalZillow ZHVI $125k (2000) to $279k (2026), +123%
- Brooklyn, OHGrade A · score 60/100 · yield 6.6% · $210,569 · #690 nationalZillow ZHVI $112k (2000) to $211k (2026), +87%
Compare Oswego head to head
- Oswego vs Great Neck Plaza vs Havre de GraceThe pre-filled matchup: nearest in-state rank and closest national grade.
- Oswego vs Gloversville, NYGrade A · yield 10.2%
- Oswego vs North Olmsted, OHGrade A · yield 7.9%
- Pick your own opponentAny of the 5,233 tracked cities.
Underwrite an Oswego deal
- Cap rateOpens on Oswego's own entry price and rent. Change either one.
- Cash flow & DSCRMonthly cash flow and DSCR, prefilled with this market's numbers.
- Mortgage paymentP&I on Oswego's entry price at the assumptions shown above.
- All marketsCompare Oswego against 4,812 ranked cities.
- New York ZIP CodesEvery New York ZIP Code area (Census ZCTAs), scored separately from the city rankings.
- Ranked listsSix lists, each with a disclosed entry rule.
Ranked lists: Highest yield · Cheapest vs. income · Rent covers the mortgage · Under $200k · Fastest-growing · Most stable
For learning, not advice. A market screen from public data - not a forecast, not underwriting, not a recommendation to buy anywhere.