Oswego County, New York: commercial real estate data.
Oswego County, New York has a population of 117,953 across 952 square miles, up 0.7 percent since the 2020 census base. County output reached $9.26 bn in 2024, 2,093 establishments operate here, and the SBA record carries 74 7(a) approvals worth $19.3 m.
127 sourced county values · tier FULL · 12 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Oswego County
How many people live in Oswego County
- Population117,953
- Households47,239
- Average household size2.50
- Median household income$69,183
- Median age40.9
- Median gross rent$967 per month
- Median owner-occupied home value$151,700
- Home value to household income2.2 times
- Annual rent as a share of median income16.8 percent
- Adults 25 and over with a bachelor degree or higher21.6 percent
- Adults 25 and over with a graduate degree8.3 percent
- Adults 25 and over80,607
- Population under 1824,276
- Share under 1820.6 percent
- Population 65 and over21,183
- Share 65 and over18.0 percent
- Working age population, 18 to 6472,494
- Civilian labor force57,498
- Unemployment rate7.0 percent
- Labor force participation, adults 18 and over61.4 percent
- Rank by population among New York counties24th of 62
- Rank by population among US county-equivalents543rd
Oswego County is the 24th largest of 62 New York counties by population. A median home costs 2.2 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 20.6 percent against 18.0 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Oswego County
Is Oswego County's population growing?
- Population change since the 2020 census base0.65 percent
- Census 2020 base population117,542
- Births, 20241,110
- Deaths, 20241,151
- Natural change, 2024-41
- Net domestic migration, 2024323
- Net international migration, 2024138
- Total net migration, 2024461
- Cumulative net domestic migration, 2021 to 20241,187
- Rank by growth among US county-equivalents1602nd
The county has grown 0.65 percent since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Oswego County
Where are people moving to Oswego County from?
- Tax returns filed by households arriving2,274
- People arriving, from those returns3,814
- Adjusted gross income arriving$117.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$51,657
- Largest single originOswego County Non-migrants (44,538 households)
- Largest single destination (44,538 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Oswego County Non-migrants | 44,538 | 86,719 | $3.05 bn |
| Onondaga County | 933 | 1,549 | $48.5 m |
| Other flows - Different State | 646 | 1,111 | $34.1 m |
| Other flows - South | 346 | 609 | $16.5 m |
| Other flows - Same State | 276 | 422 | $14.0 m |
| Other flows - West | 118 | 186 | $6.8 m |
| Other flows - Northeast | 114 | 192 | $7.6 m |
| Cayuga County | 99 | 184 | $4.2 m |
The largest single source of arrivals is Oswego County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Oswego County
What is the Oswego County economy?
- County GDP, 2024$9.26 bn
- County GDP, 2023$8.96 bn
- GDP change, 2023 to 20243.3 percent
- GDP change over five years30.4 percent
- Rank by GDP among New York counties23rd
- Rank by GDP among US county-equivalents469th
- GDP per resident$78,474
Output grew 3.3 percent in the latest year and 30.4 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Oswego County
Largest employers in Oswego County
- Covered employment, annual average32,163
- Establishments reporting2,324
- Average annual pay$62,152
- Average weekly wage$1,195
- Sector 44-45, employment4,210
- Sector 44-45, average annual pay$38,215
- Sector 62, employment4,014
- Sector 62, average annual pay$55,884
- Sector 31-33, employment3,400
- Sector 31-33, average annual pay$85,905
- Sector 72, employment3,232
- Sector 72, average annual pay$23,860
- Sector 23, employment1,528
- Sector 81, employment897
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 4,210 | 293 | $38,215 |
| Sector 62 | 4,014 | 155 | $55,884 |
| Sector 31-33 | 3,400 | 87 | $85,905 |
| Sector 72 | 3,232 | 255 | $23,860 |
| Sector 23 | 1,528 | 308 | $72,741 |
| Sector 81 | 897 | 230 | $35,749 |
| Sector 56 | 677 | 131 | $53,701 |
| Sector 52 | 643 | 94 | $68,271 |
The largest sector is the biggest private employer group at 4,210 jobs, 13.1 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Oswego County
How many businesses are in Oswego County?
- Establishments, all industries2,093
- Employment at those establishments22,804
- Annual payroll$1.23 bn
- Establishments per 1,000 residents17.7
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Oswego County
Building permits in Oswego County
- Housing units authorised by permit, 2024183
- Declared construction value permitted$40.3 m
- Single family units authorised152
- Multifamily units authorised31
- Multifamily share of units16.9 percent
- Average declared value per unit$220,135
- Units authorised per 1,000 households3.9
Multifamily is 16.9 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Oswego County
SBA loans in Oswego County (7(a) and 504)
- 7(a) approvals recorded74
- 7(a) gross approval dollars$19.3 m
- Average 7(a) approval$261,096
- Median 7(a) approval$75,200
- 10th percentile approval$20,000
- 90th percentile approval$630,000
- Largest single approval$3,240,000
- Jobs reported supported, 7(a)400
- Jobs per approval5.4
- Distinct 7(a) lenders active22
- Distinct industries receiving approvals39
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer12.2 percent
- Loans on real estate terms9
- Loans on working capital terms, 120 months or shorter62
- Franchise loans3
- Franchise share of approvals4.1 percent
- Leading industry by approval countLimited-Service Restaurants (6)
- Most active lenderManufacturers and Traders Trust Company (24)
- 504 approvals recorded31
- 504 gross approval dollars$15.1 m
- Average 504 approval$488,613
- Median 504 approval$193,000
- Distinct CDCs active3
- 504 jobs per approval8.6
- 504 jobs per million dollars approved17.6
- Most active CDCSBA CLSC Servicing (20)
- 7(a) share of SBA approvals70.5 percent
- Combined SBA approval dollars$34.5 m
The average approval of $261,096 sits well above the median of $75,200, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 12.2 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Oswego County
SBA loan default and charge-off rates in Oswego County
Do SBA loans in Oswego County get paid back?
- Loans with a final outcome recorded11
- Paid in full11
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Exempt from disclosure52
- Status: Cancelled5
- Status: Paid in full11
- Status: Committed, not yet disbursed6
Of the 11 loans that have reached a final outcome, 0.0 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Oswego County
SBA lending by place in Oswego County
- Places in the county with recorded lending16
- Fulton, approvals14
- CENTRAL SQUARE, approvals11
- PHOENIX, approvals11
- OSWEGO, approvals10
- MEXICO, approvals8
- Pulaski, approvals6
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Fulton | 14 | $1,945,300 |
| CENTRAL SQUARE | 11 | $5,490,900 |
| PHOENIX | 11 | $900,000 |
| OSWEGO | 10 | $5,152,000 |
| MEXICO | 8 | $1,505,200 |
| Pulaski | 6 | $3,047,500 |
| Sandy Creek | 3 | $220,000 |
| Pennellville | 2 | $275,000 |
Fulton accounts for 14 approvals against 11 in CENTRAL SQUARE. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Oswego County
How large is Oswego County?
- Land area952 sq mi
- Rank by land area among New York counties19th of 62
- Width, east to west43.3 mi
- Height, north to south38.1 mi
- Geographies sharing a boundary6
- Residents per square mile of land124
- Establishments per square mile2.20
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Oswego County
Flood risk in Oswego County
- Communities in the NFIP Community Status Book33
- Of those, participating in the NFIP31
- NFIP participation rate93.9 percent
- Communities carrying a CRS class0
- Radon levels in Oswego County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The EPA places Oswego County in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 93.9 percent of the county's listed communities participate in the National Flood Insurance Program, per FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Oswego County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Oswego County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population117,953
- Households47,239
- Average household size2.50
- Median household income$69,183
- Median age40.9
Common questions
Oswego County questions, answered from the record.
How many people live in Oswego County, New York?
117,953, in 47,239 households, ranking 24th of 62 New York counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Oswego County's population growing?
The population has grown 0.65 percent since the 2020 census base. In 2024 there were 1,110 births against 1,151 deaths, with net migration of 461. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Oswego County?
$69,183. The median owner-occupied home is valued at $151,700, which is 2.2 times income, and median gross rent is $967 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Oswego County?
2,093 establishments, employing 22,804 people with an annual payroll of $1.23 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Oswego County?
Average annual pay is $62,152, or $1,195 a week, across 32,163 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Oswego County?
74 7(a) approvals totalling $19.3 m since FY2020, across 22 lenders, with a median approval of $75,200, plus 31 504 approvals worth $15.1 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Oswego County get paid back?
Of the 11 loans that have reached a final outcome, 11 were paid in full and 0 charged off, a charge off rate of 0.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Oswego County?
183 housing units were authorised by permit in 2024, with a declared construction value of $40.3 m. Multifamily was 16.9 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Oswego County?
Zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Oswego County come from?
The largest single origin is Oswego County Non-migrants, with 44,538 households. Arriving households report an average income of $51,657 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Oswego County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Oswego County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.
Oswego County
Cities and places in Oswego.
17 Census places lie wholly or partly in Oswego County. 17 carry enough published place level data for a page of their own and are linked. The rest are named here and not linked, because the American Community Survey and the SBA record between them do not carry enough about them to write an honest page. A place existing is itself worth knowing, so nothing in the county is left out.
| Place | Type | Population | SBA approvals | Lies in |
|---|---|---|---|---|
| Oswego | city | 17,033 | 10 | Wholly in this county |
| Fulton | city | 11,272 | 14 | Wholly in this county |
| Brewerton | CDP | 4,330 | 4 | 35.9 percent here, 64.1 percent Onondaga County |
| SUNY Oswego | CDP | 3,564 | None recorded | Wholly in this county |
| Phoenix | village | 2,329 | 12 | Wholly in this county |
| Mexico | village | 2,241 | 8 | Wholly in this county |
| Central Square | village | 2,163 | 11 | Wholly in this county |
| Pulaski | village | 2,156 | 6 | Wholly in this county |
| Minetto | CDP | 1,437 | None recorded | Wholly in this county |
| Constantia | CDP | 1,371 | 1 | Wholly in this county |
| Sand Ridge | CDP | 838 | None recorded | Wholly in this county |
| Lacona | village | 808 | 1 | Wholly in this county |
| Cleveland | village | 785 | 1 | Wholly in this county |
| Sandy Creek | village | 638 | 3 | Wholly in this county |
| Parish | village | 601 | 1 | Wholly in this county |
| Hannibal | village | 593 | 1 | Wholly in this county |
| Altmar | CDP | 243 | None recorded | Wholly in this county |
A further 9 SBA approvals in Oswego County are recorded against borrower cities that match no Census place, the largest being Williamstown, Pennellville, Constantia (Cleveland). Those are postal cities and unincorporated areas rather than incorporated places, so no page claims them, and their lending is counted in this county's totals above rather than under any city.