Oswego County, New York: commercial real estate data.
Oswego County, New York had an estimated 118,305 residents on July 1, 2024, up 0.6 percent since the 2020 census base of 117,542, across 952 square miles. 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 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Oswego County
How many people live in Oswego County
- Population, American Community Survey 2020-2024117,953
- 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-equivalents, Puerto Rico included543rd of 3,222
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 affordable 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, July 1, 2024118,305
- Census 2020 base population117,542
- Population change since the 2020 census base0.65 percent
- Population change, 2023 to 2024416
- 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 of 3,144
The county has grown 0.65 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration 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
- Tax returns filed by households leaving2,203
- Net household movement71
- Adjusted gross income arriving$117.5 m
- Net adjusted gross income movement$-2.9 m
- Average income of an arriving household$51,657
- Average income of a leaving household$54,633
- Largest single originOnondaga County (933 households)
- Largest single destinationOnondaga County (793 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Onondaga County | 933 | 1,549 | $48.5 m |
| Cayuga County | 99 | 184 | $4.2 m |
| Jefferson County | 88 | 148 | $4.3 m |
| Oneida County | 82 | 149 | $4.9 m |
| Monroe County | 49 | 67 | $2.8 m |
| Madison County | 43 | 92 | $1.9 m |
| Wayne County | 37 | 60 | $1.8 m |
| Suffolk County | 21 | 32 | $958,000 |
Households arriving report $2,976 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Onondaga County, 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 the New York areas BEA publishes23rd of 62
- Rank by GDP among the US county areas BEA publishes469th of 3,127
- 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
Employment by industry in Oswego County
- Covered employment, annual average32,163
- Establishments reporting2,324
- Average annual pay$62,152
- Average weekly wage$1,195
- Retail trade, employment4,210
- Retail trade, average annual pay$38,215
- Health care and social assistance, employment4,014
- Health care and social assistance, average annual pay$55,884
- Manufacturing, employment3,400
- Manufacturing, average annual pay$85,905
- Accommodation and food services, employment3,232
- Accommodation and food services, average annual pay$23,860
- Construction, employment1,528
- Other services, except public administration, employment897
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 4,210 | 293 | $38,215 |
| Health care and social assistance | 4,014 | 155 | $55,884 |
| Manufacturing | 3,400 | 87 | $85,905 |
| Accommodation and food services | 3,232 | 255 | $23,860 |
| Construction | 1,528 | 308 | $72,741 |
| Other services, except public administration | 897 | 230 | $35,749 |
| Administrative and support and waste management services | 677 | 131 | $53,701 |
| Finance and insurance | 643 | 94 | $68,271 |
Retail trade is the largest private sector at 4,210 jobs, 13.1 percent of covered employment.
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. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Oswego County
Building permits in Oswego County
- Housing units authorized by permit, 2024183
- Declared construction value permitted$40.3 m
- Single family units authorized152
- Multifamily units authorized31
- Multifamily share of units16.9 percent
- Average declared value per unit$220,135
- Units authorized per 1,000 households3.9
Single-family homes are 83.1 percent of units authorized, so the pipeline is predominantly single-family.
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$75,100
- 10th percentile approval$20,000
- 90th percentile approval$599,490
- 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)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$34.5 m
The average approval of $261,096 sits well above the median of $75,100, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here 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
- Status: Exempt from disclosure52
- Status: Cancelled5
- Status: Paid in full11
- Status: Committed, not yet disbursed6
Only 11 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
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
- Borrower cities with recorded lending16
- Fulton, approvals14
- Central Square, approvals11
- Phoenix, approvals11
- Oswego, approvals10
- Mexico, approvals8
- Pulaski, approvals6
| Borrower city | 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 |
| 8 other borrower cities | 9 | $785,200 |
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 county 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 Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, 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 →
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.
- Population, American Community Survey 2020-2024117,953
- 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?
The Census Bureau estimates 118,305 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 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 of 117,542, to 118,305 on July 1, 2024. 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 employment by industry in Oswego County?
Retail trade is the largest private sector at 4,210 jobs, 13.1 percent of covered employment. Covered employment averages 32,163 jobs at an average annual pay of $62,152, or $1,195 a week. 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 totaling $19.3 m since FY2020, across 22 lenders, with a median approval of $75,100, plus 31 504 approvals worth $15.1 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Oswego County?
183 housing units were authorized 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 Onondaga County, with 933 households. Arriving households report an average income of $51,657 against $54,633 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?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Oswego County
Cities and places in Oswego.
17 Census places lie wholly or partly in Oswego County. All 17 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Oswego | city | 17,033 | 10 | Wholly in this county |
| Fulton | city | 11,272 | 14 | Wholly in this county |
| Brewerton | CDP | 4,330 | None recorded | 35.9 percent here, 64.1 percent Onondaga County |
| SUNY Oswego | CDP | 3,564 | None recorded | Wholly in this county |
| Phoenix | village | 2,329 | 11 | 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 | None recorded | 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 7 of the county's 74 SBA 7(a) approvals are to borrowers in cities that match no Census place in Oswego County, the largest being Pennellville (2), Williamstown (2), Richland (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby