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Oswego, NY Cost Of Living

The latest cost of living statistics for Oswego. Includes statistics on rent, mortgages, healthcare, and other costs for Oswego compared to the state and national averages.

Chris Kolmar
Written by
HomeSnacks
Last updated
2026-06-20

Cost of living in Oswego, New York

Cost of living in Oswego research summary. The cost of living index is set to 100 for the average place in the United States. A cost of living index above 100 means Oswego is expensive. An index value below 100 means the city is a relatively cheap place to live.

On a city-by-city basis in New York, home prices and rent have the biggest impact on the cost of living. Here are the key takeaways based on Saturday Night Science:

95 Cost of living index 0.9x lower vs US
#24 Cheapest in New York (of 336)
#1,818 Cheapest in the U.S. (of 6,489)
$144,502 Median home value
$1,109 Median rent
$53,172 Median income
Not sure Oswego fits your budget? Try our place-match quiz →

What is the cost of living in Oswego, NY?

According to the most recent data on the cost of living, Oswego has an overall cost of living index of 95, which is 0.9x lower than the national index of 100.

Compared to New York, Oswego has a cost of living index that's 0.8x lower than New York's index of 121.

The standard of living in Oswego ranks as #24 most affordable out of the 336 places we measured in New York. By definition, that implies Oswego ranks as the #312 most expensive place in the Empire State.

For more reading on life in Oswego, check out:

Oswego Cost Of Living Vs. New York

Six factors go into calculating the cost of living index in Oswego. Here is how it fares on each of the criteria:

  • The Services index in Oswego is 104.

  • The Groceries index in Oswego is 111.

  • The Health index in Oswego is 61.

  • The Housing index in Oswego is 109.

  • The Transportation index in Oswego is 115.

  • The Utilities index in Oswego is 108.

Living Expense Oswego New York National Average
Overall 95 121 100
Services 104 105 100
Groceries 111 108 100
Health 61 143 100
Housing 109 112 100
Transportation 115 114 100
Utilities 108 111 100

Oswego Cost Of Living Compared To New York Averages

Services
Oswego 104
New York avg 105
Groceries
Oswego 111
New York avg 108
Health
Oswego 61
New York avg 143
Housing
Oswego 109
New York avg 112
Transportation
Oswego 115
New York avg 114
Utilities
Oswego 108
New York avg 111

Index where 100 = national average. Source: cost-of-living index 2026.

For more reading on cost of living around New York, check out:

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Source: Cost-of-living index 2026, normalized to US average = 100

Oswego, NY Housing Cost Breakdown

$144,502Median Home Value
$1,109Median Rent
$53,172Median Income

Housing swings affordability the most between places in New York, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:

  • The Median Home Value in Oswego is $144,502.

  • The Median Rent in Oswego is $1,109.

  • The Median Income in Oswego is $53,172.

  • The Home Value To Income in Oswego is 2.7x.

  • The Rent To Monthly Income in Oswego is 0.25x.

Statistic Oswego New York United States
Median Home Value $144,502 $507,794 $332,700
Median Rent $1,109 $1,621 $1,413
Median Income $53,172 $85,974 $80,734
Home Value To Income 2.7x 5.9x 4.1x
Rent To Monthly Income 0.25x 0.23x 0.21x

Oswego, NY Costs By Category

Detailed Oswego Services costs vs. New York
Item Oswego New York
Shampoo $1.33 $1.28
Movie $13.27 $12.13
Bowling $16.74 $18
Haircut $20.03 $24.26
Beauty Salon $42.39 $45.56
Detailed Oswego Groceries costs vs. New York
Item Oswego New York
Ground Beef $5.93 $5.84
Fried Chicken $1.39 $1.57
Milk $4.71 $4.67
Potatoes $5.13 $4.93
Pizza $14.83 $12.09
Beer $10.15 $10.41
Toothpaste $3.62 $3.7
Detailed Oswego Health costs vs. New York
Item Oswego New York
Optometrist $160.58 $125.68
Doctor $115.23 $135.78
Dentist $110.48 $113.29
Detailed Oswego Transportation costs vs. New York
Item Oswego New York
Gasoline $3.59 $3.46
Tire Balancing $69.82 $59.92
Detailed Oswego Utilities costs vs. New York
Item Oswego New York
All Electricity $166.89 $193.99
Phone $194.41 $192.25

Oswego SnackAbility

5Overall SnackAbility
Jobs 4/10
Housing 6/10
Affordability 8/10
Diversity 5/10
SafetyN/A
Amenities 8.5/10
Education 8/10
Commute 9/10

Cost Of Living In Cities Around Oswego

The cost of living varies in the cities and towns around Oswego. Here's a quick look at the cost of living in the most populous nearby places:

  • Fulton, NY has a cost of living index of 95, 1.0x Oswego.

  • Fairmount, NY has a cost of living index of 100, 1.1x Oswego.

  • Seneca Falls, NY has a cost of living index of 96, 1.0x Oswego.

City Population Cost Of Living Vs. Oswego
Fulton, NY 11,272 95 1.0x
Fairmount, NY 9,724 100 1.1x
Seneca Falls, NY 6,956 96 1.0x
North Syracuse, NY 6,693 99 1.0x
Solvay, NY 6,544 98 1.0x
Webster, NY 5,718 107 1.1x
Westvale, NY 5,212 107 1.1x
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