HomeNew YorkOswego CountyOswego
Oswego, New York: commercial real estate data.
Oswego is a Census city of 17,033 people across 7.61 square miles of land, in Oswego County. Median household income is $53,172, 50.2 percent of occupied homes are owned, and the SBA record carries 10 7(a) approvals to borrowers here worth $5.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Oswego
What Oswego is
- Census place typecity
- Land area7.61 sq mi
- Water area3.61 sq mi
- Population per square mile of land2,237
- County holding the largest share of its areaOswego 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
- Population17,033
- Median age35.7
- Population under 183,725
- Share under 1821.9 percent
- Population 65 and over3,119
- Share 65 and over18.3 percent
- Households7,242
- Family households3,823
- Share of households that are families52.8 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$53,172
- Per capita income$32,279
- Civilian labor force8,461
- Employed7,776
- Unemployed685 plus or minus 224
- Unemployment rate8.1 percent plus or minus 2.6
- Adults 25 and over11,017
- Adults 25 and over with a high school diploma or higher91.3 percent
- Adults 25 and over with a bachelor degree or higher26.1 percent
- Adults 25 and over with a graduate degree11.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oswego
Housing in Oswego
- Housing units8,493
- Occupied units7,242
- Vacant units1,251 plus or minus 251
- Vacancy rate14.7 percent
- Owner occupied3,636
- Renter occupied3,606
- Ownership rate50.2 percent
- Median owner-occupied home value$120,600
- Median gross rent, monthly$1,109
- Annual rent as a share of median income25.0 percent
- Single family units5,612
- Share single family66.1 percent
- Units in buildings of two or more2,847
- Share in buildings of two or more33.5 percent
- Mobile homes31 plus or minus 22
- Median year structure built1938
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 commute7,059
- Commuting under 15 minutes3,717
- Share commuting under 15 minutes52.7 percent
- Commuting 30 minutes or more1,724 plus or minus 380
- Share commuting 30 minutes or more24.4 percent plus or minus 5.0
- Drove alone72.8 percent
- Carpooled9.7 percent plus or minus 3.0
- Public transport2.2 percent plus or minus 1.1
- Walked5.6 percent plus or minus 2.8
- Worked from home8.6 percent plus or minus 2.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oswego
SBA loans in Oswego (7(a))
- Approvals10
- Gross approval$5,152,000
- Average approval$515,200
- Median approval$269,750
- Largest approval$1,800,000
- Jobs supported115
- Jobs per approval11.5
- Loans with a final outcome3
- Paid in full3
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more40.0 percent
- Share to franchises0.0 percent
- Distinct lenders6
- Distinct industries by NAICS6
Counted by borrower city: approvals to borrowers whose address is in Oswego, in any county, FY2020 to FY2026. Only 3 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)
- Approvals7
- Gross approval$4,113,000
- Average approval$587,571
- Median approval$204,000
- Largest approval$2,513,000
- Jobs supported56
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Oswego, in any county, FY2010 to FY2026. Only 1 loan has 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 communityCity of Oswego
- NFIP community number360656
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date11/16/23
The City of Oswego participates in the National Flood Insurance Program as community 360656 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.
Oswego County, not Oswego
Oswego County context, not Oswego figures
- Establishments in Oswego County2,093
- Covered employment, Oswego County32,163
- Average annual pay, Oswego County$62,152
- Housing units permitted, Oswego County183
Every figure in this section is published for Oswego 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, New York?
17,033, in 7,242 households. Oswego city covers 7.61 square miles of land, which is 2,237 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?
Oswego 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?
$53,172. The median owner-occupied home is valued at $120,600. Median gross rent is $1,109 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?
10 7(a) approvals totaling $5.2 m since FY2020, across 6 lenders, median approval $269,750, plus 7 504 approvals worth $4.1 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 3 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, city of, community 360656, 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 Oswego 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.