HomeIllinoisKendall CountyOswego
Oswego, Illinois: commercial real estate data.
Oswego is a Census village of 36,375 people across 15.83 square miles of land, in Kendall County. Median household income is $123,792, 87.9 percent of occupied homes are owned, and the SBA record carries 52 7(a) approvals to borrowers here worth $28.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Oswego
What Oswego is
- Census place typevillage
- Land area15.83 sq mi
- Water area0.15 sq mi
- Population per square mile of land2,298
- County holding the largest share of its areaKendall County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oswego
How many people live in Oswego
- Population36,375
- Median age38.7
- Population under 189,572
- Share under 1826.3 percent
- Population 65 and over3,984
- Share 65 and over11.0 percent
- Households12,243
- Family households9,626
- Share of households that are families78.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oswego
Income and work in Oswego
- Median household income$123,792
- Per capita income$47,866
- Civilian labor force19,835
- Employed19,315
- Unemployed520 plus or minus 170
- Unemployment rate2.6 percent plus or minus 0.9
- Adults 25 and over23,252
- Adults 25 and over with a high school diploma or higher96.4 percent
- Adults 25 and over with a bachelor degree or higher44.3 percent
- Adults 25 and over with a graduate degree17.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oswego
Housing in Oswego
- Housing units12,440
- Occupied units12,243
- Vacant units197 plus or minus 132
- Vacancy rate1.6 percent plus or minus 1.1
- Owner occupied10,759
- Renter occupied1,484 plus or minus 300
- Ownership rate87.9 percent
- Median owner-occupied home value$344,500
- Median gross rent, monthly$1,860
- Annual rent as a share of median income18.0 percent
- Single family units11,193
- Share single family90.0 percent
- Units in buildings of two or more1,247 plus or minus 300
- Share in buildings of two or more10.0 percent plus or minus 2.4
- Mobile homes0
- Median year structure built2002
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oswego
How Oswego gets to work
- Workers 16 and over who commute15,598
- Commuting under 15 minutes2,850
- Share commuting under 15 minutes18.3 percent
- Commuting 30 minutes or more7,455
- Share commuting 30 minutes or more47.8 percent
- Drove alone73.4 percent
- Carpooled6.8 percent plus or minus 1.9
- Public transport1.2 percent plus or minus 0.6
- Walked0.4 percent plus or minus 0.4
- Worked from home17.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oswego
SBA loans in Oswego (7(a))
- Approvals52
- Gross approval$28,611,400
- Average approval$550,219
- Median approval$200,000
- Ninetieth percentile approval$1,687,000
- Largest approval$3,300,000
- Jobs supported386
- Jobs per approval7.4
- Loans with a final outcome6
- Paid in full5
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more19.2 percent
- Share to franchises17.3 percent
- Distinct lenders26
- Distinct industries by NAICS35
Counted by borrower city: approvals to borrowers whose address is in Oswego, in any county, FY2020 to FY2026. Only 6 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Oswego
SBA loans in Oswego (504)
- Approvals29
- Gross approval$13,508,000
- Average approval$465,793
- Median approval$371,000
- Largest approval$1,556,000
- Jobs supported257
- Loans with a final outcome8
- Charged off0
- Median term240 months
- Distinct CDCs4
Counted by borrower city: approvals to borrowers whose address is in Oswego, in any county, FY2010 to FY2026. Only 8 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Oswego
Flood risk in Oswego
- NFIP communityVillage of Oswego
- NFIP community number170345
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date01/08/14
The Village of Oswego participates in the National Flood Insurance Program as community 170345 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Kendall County, not Oswego
Kendall County context, not Oswego figures
- Establishments in Kendall County2,548
- Covered employment, Kendall County30,329
- Average annual pay, Kendall County$51,205
- Housing units permitted, Kendall County706
Every figure in this section is published for Kendall County as a whole and is not a measurement of Oswego.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Oswego questions, answered from the record.
How many people live in Oswego, Illinois?
36,375, in 12,243 households. Oswego village covers 15.83 square miles of land, which is 2,298 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Oswego in?
Kendall County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Oswego?
$123,792. The median owner-occupied home is valued at $344,500. Median gross rent is $1,860 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Oswego businesses?
52 7(a) approvals totaling $28.6 m since FY2020, across 26 lenders, median approval $200,000, plus 29 504 approvals worth $13.5 m since FY2010. These count approvals to borrowers whose address is in Oswego, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Oswego borrowers get paid back?
No rate is published for Oswego. Only 6 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Oswego in the National Flood Insurance Program?
Yes. Oswego appears in the FEMA Community Status Book as Oswego, village of, community 170345, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Oswego figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Kendall County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Oswego.
Is zoning published for Oswego?
No. Nothing on this page presents parcel level zoning.
Nearby