County FMR · HUD FY2026

Oswego County Fair Market Rent

HUD's FY2026 Fair Market Rent for Oswego County, NY - 17% above the US average.

$1,123
1-bedroom FMR
$1,392
2-bedroom FMR
+4.6%
YoY change
+17%
vs US avg

The verdict

Oswego is the 28th most expensive of 62 counties in New York by 2-bedroom FMR; nationally it ranks #598 most expensive of 3,145 HUD counties.

#598
most expensive of 3,145 US counties (2BR)
#28
most expensive of 62 in New York (2BR)
-15%
vs the state average
$44,920
income to afford it (30% rule)

Software Developers spend the smallest share of income on rent here (8.4%), while Fast Food and Counter Workers spend the most (38.2%).

FY 2026 HUD Fair Market Rent for Oswego County, NY. Verify with HUD →

The Fair Market Rent for a 1-bedroom apartment in Oswego County, New York is $1,123 per month in FY 2026, according to the U.S. Department of Housing and Urban Development (HUD). A 2-bedroom costs $1,392/mo and a studio is $995/mo. This is 17% higher than the national average of $959 and 15% below the New York average of $1,315.

Rent increased4.6% from FY 2025 ($1,074), outpacing inflation. A household needs about $44,920/year to stay under the 30% rent-to-income line.

FY 2026 HUD Fair Market Rents in New York. Population: 118,037. Population has held roughly steady over the past five years (-1.0%, Census ACS). That's slower than New York's statewide growth of +1.3% over the same period.

FMR filing desk

Area OSWEGO·COUNTY·NY·NY

Oswego County, NY: $1,123/mo 1BR · #598 of 3145 counties (2BR) · FY2026

  • FMR-AREA NY
  • 1BR-FMR $1,123
  • 2BR-FMR $1,392
  • RANK-MID #598
  • YOY-UP +4.6%
  • VSUS-ABOVE +17%
  • VS-ST-LOW -15% NY
  • INC-ROOM 20%
  • POP-MID 118K
  • PHOTO-NEAR Kings County
  • VOUCH-90-110 $1,011–$1,235
  • FY-2026 FY2026

Photo-finish peer: Kings ($1,532 1BR gap)

Read with: Understanding rent burden

Fair Market Rents (2026)

Studio
State avg: $1,215 · US avg: $893
$995/mo
↑ 3.3% YoY -18% vs state +11% vs US
1 Bedroom
State avg: $1,315 · US avg: $959
$1,123/mo
↑ 4.6% YoY -15% vs state +17% vs US
2 Bedroom
State avg: $1,579 · US avg: $1,175
$1,392/mo
↑ 5.4% YoY -12% vs state +18% vs US
3 Bedroom
State avg: $1,976 · US avg: $1,525
$1,691/mo
↑ 4.6% YoY -14% vs state +11% vs US
4 Bedroom
State avg: $2,193 · US avg: $1,756
$1,848/mo
↑ 1.5% YoY -16% vs state +5% vs US

Year-over-Year Comparison

Bedrooms FY 2025 FY 2026 Change
Studio $963
$995
+$32 (+3.3%)
1 Bedroom $1,074
$1,123
+$49 (+4.6%)
2 Bedroom $1,321
$1,392
+$71 (+5.4%)
3 Bedroom $1,616
$1,691
+$75 (+4.6%)
4 Bedroom $1,821
$1,848
+$27 (+1.5%)

Rent Burden Analysis

How much of household income goes to rent in Oswego County. The 30% threshold indicates cost burden.

Studio
17.4%
Affordable
Need $39,800/yr for 30% rule
1 Bedroom
19.7%
Affordable
Need $44,920/yr for 30% rule
2 Bedroom
24.4%
Affordable
Need $55,680/yr for 30% rule
3 Bedroom
29.6%
Affordable
Need $67,640/yr for 30% rule
4 Bedroom
32.4%
Burdened
Need $73,920/yr for 30% rule
How we calculate this

Rent burden = (FMR × 12) ÷ county median household income. Required income = (FMR × 12) ÷ 0.3, the federal 30%-of-gross-income rule HUD uses to define cost burden. Median household income is from the U.S. Census Bureau's American Community Survey; FMR is from HUD's FY2026 release. See methodology.

0%100%National avg22%24.4%
Oswego County 2-bedroom rent burden
County median income: $68,461 · National avg burden: 21.7% ·View New York rent burden →

Where Oswego sits among every US county

2-bedroom Fair Market Rent vs. all 3,145 HUD counties

$1,392 Top 19% higher than 81% of 3,145 counties

$600–$800: 23 counties (1%). Below this entry. $800–$1,000: 1,406 counties (45%). Below this entry. $1,000–$1,200: 723 counties (23%). Below this entry. $1,200–$1,400: 417 counties (13%). This entry sits in this band. $1,400–$1,600: 181 counties (6%). Above this entry. $1,600–$1,800: 172 counties (5%). Above this entry. $1,800–$2,000: 108 counties (3%). Above this entry. $2,000–$2,200: 29 counties (1%). Above this entry. $2,200–$2,400: 40 counties (1%). Above this entry. $2,400–$2,600: 13 counties (0%). Above this entry. $2,600–$2,800: 9 counties (0%). Above this entry. $2,800–$3,000: 15 counties (0%). Above this entry. $3,000–$3,200: 3 counties (0%). Above this entry. $3,200–$3,400: 1 counties (0%). Above this entry. $3,400–$3,600: 1 counties (0%). Above this entry. $3,600–$3,800: 3 counties (0%). Above this entry. $3,800–$4,000: 0 counties (0%). Above this entry. $4,000–$4,200: 0 counties (0%). Above this entry. $4,200–$4,400: 1 counties (0%). Above this entry. This county $600 $4,400 every US county, bucketed by value

Each bar is a $0.2K-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Department of Housing and Urban Development, Fair Market Rents · FY2026

How Oswego compares on 1-bedroom rent

1-bedroom FMR vs other New York counties

1BR FMR / mo

What this shows Oswego is highlighted. Nearby New York counties by 1-bedroom FMR, highest to lowest: Kings County ($2,655), Queens County ($2,655), New York County ($2,655), Bronx County ($2,655), Suffolk County ($2,379), Nassau County ($2,379), Oswego County (this county) ($1,123).

Source U.S. Department of Housing and Urban Development (HUD) As of FY2026

Can Common Jobs Afford Rent Here?

Against a high local FMR of $1,123/mo, which of 15 common occupations still clear the 30% line using New York BLS wages?

Occupation NY Salary Rent Burden Verdict
Software Developers $161,260 8.4% Affordable
General & Operations Managers $129,990 10.4% Affordable
Registered Nurses $105,600 12.8% Affordable
Accountants & Auditors $101,780 13.2% Affordable
Police & Sheriff's Patrol Officers $93,050 14.5% Affordable
Elementary School Teachers $82,480 16.3% Affordable
Electricians $77,460 17.4% Affordable
Paralegals & Legal Assistants $66,390 20.3% Affordable
Heavy & Tractor-Trailer Truck Drivers $60,520 22.3% Affordable
Customer Service Representatives $47,840 28.2% Affordable
Pharmacy Technicians $40,840 33% Stretched
Janitors & Cleaners $39,920 33.8% Stretched
Retail Salespersons $37,020 36.4% Stretched
Teaching Assistants $36,600 36.8% Stretched
Fast Food & Counter Workers $35,270 38.2% Stretched
Salaries: BLS OES (New York) median · 30% = affordable threshold · Try the salary calculator →

Rent Trends (2020–2026)

7-year Fair Market Rent history for Oswego County. Shows how HUD rental rates have changed over time.

Over the 6-year span HUD has tracked for Oswego (FY 2020-2026), the 1-bedroom Fair Market Rent has risen 55.3% overall, from $723 to $1,123. Most of that movement was gradual except for a single sharp jump of +17.2% in FY 2025, well above this county's typical year-to-year change.

$700$800$900$1,000$1,100$1,200 FY2020FY2021FY2022FY2023FY2024FY2025FY2026 $1,123
Oswego County 1-bedroom Fair Market Rent, FY2020–FY2026
Year Studio 1 BR 2 BR
FY 2026 ↑4.6% $995 $1,123 $1,392
FY 2025 ↑17.2% $963 $1,074 $1,321
FY 2024 ↑2.1% $828 $916 $1,126
FY 2023 ↑14.9% $801 $897 $1,109
FY 2022 ↑7.1% $694 $781 $966
FY 2021 ↑0.8% $648 $729 $901
FY 2020 $633 $723 $900
Total change (6yr): +55.3%
Annualized: +7.6%/yr
1 BR: $723 → $1,123

Part of the Syracuse, NY Metro Area

Oswego County is a outlying county of the Syracuse, NY metropolitan statistical area, alongside 2 other metro-area counties.

Oswego County ranks #3 of 3 counties in this metro area by 1-bedroom FMR. Every county sharing this metro, highest to lowest: Onondaga County ($1,123), Madison County ($1,123), Oswego County (this county) ($1,123).

Onondaga County
1 BR: $1,123/mo
Madison County
1 BR: $1,123/mo
Oswego County (this county)
1 BR: $1,123/mo

Nationwide peers by 2BR FMR & rent burden

Two PlainRent-derived comparison paths for Oswego County, both outside New York so the link neighborhoods are not the same-state geography lattice above. Axes stay disjoint: burden peers exclude the FMR peer set.

Similar 2-bedroom FMR

Nearest HUD 2BR Fair Market Rents outside NY (FY2026).

Penobscot County
ME · 2 BR $1,392/mo
Mineral County
NV · 2 BR $1,393/mo
Meagher County
MT · 2 BR $1,393/mo
Eureka County
NV · 2 BR $1,393/mo

Similar rent burden

Nearest 2BR FMR as a share of median household income (outside NY).

Chambers County
AL · 24.4% of income · 2 BR $1,002/mo
Kiowa County
CO · 24.4% of income · 2 BR $1,146/mo
Marion County
MS · 24.4% of income · 2 BR $860/mo
St. Clair County
MI · 24.4% of income · 2 BR $1,411/mo

Nearby Counties in New York

Largest counties by population in New York

Showing the 8 largest of 61 other counties in New York.

Kings County
1 BR: $2,655/mo Pop: 2,679,620
Queens County
1 BR: $2,655/mo Pop: 2,360,826
New York County
1 BR: $2,655/mo Pop: 1,645,867
Suffolk County
1 BR: $2,379/mo Pop: 1,524,486
Bronx County
1 BR: $2,655/mo Pop: 1,443,229
Nassau County
1 BR: $2,379/mo Pop: 1,389,160
Westchester County
1 BR: $2,655/mo Pop: 997,904
Erie County
1 BR: $1,139/mo Pop: 951,232
View all counties in New York →

Frequently Asked Questions

What is the average rent in Oswego County? ▼
The FY 2026 Fair Market Rent for a 1-bedroom in Oswego County is $1,123 per month. A 2-bedroom is $1,392 and a studio is $995.
How does Oswego County rent compare to the national average? ▼
Rent in Oswego County is 17% above the national average. A 1-bedroom here costs $1,123 compared to $959 nationally.
Where does Oswego County rank nationally for Fair Market Rent? ▼
According to HUD's FY 2026 Fair Market Rent schedule, Oswego County's 2-bedroom FMR of $1,392 ranks #598 most expensive among 3,145 HUD counties, placing it in the upper-rent quarter of HUD counties.
What income do I need to afford rent in Oswego County? ▼
Based on the 30% affordability rule, you need an annual income of at least $44,920 ($3,743/month) to afford a 1-bedroom at Fair Market Rent in Oswego County.
Is rent going up or down in Oswego County? ▼
The 1-bedroom Fair Market Rent in Oswego County increased by 4.6% from FY 2025 to FY 2026, going from $1,074 to $1,123.
Which jobs can afford rent in Oswego County? ▼
Based on New York BLS salary data and the 30% affordability rule, jobs like Software Developers, General and Operations Managers, Registered Nurses can afford a 1-bedroom at $1,123/mo. 10 of 15 common occupations are affordable here.
How much has rent changed in Oswego County over time? ▼
The 1-bedroom Fair Market Rent in Oswego County went from $723 in FY 2020 to $1,123 in FY 2026, a total change of +55.3% over 6 years.
How does Fair Market Rent affect Section 8 vouchers in Oswego County? ▼
In Oswego County, the FY 2026 FMR of $1,123/mo for a 1-bedroom sets the baseline that local housing authorities use for Section 8 payment standards.
What does Fair Market Rent mean for Oswego County? ▼
For Oswego County, it's the specific 40th-percentile rent HUD publishes each year ($1,123/mo for a 1-bedroom in FY 2026).

Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the U.S. Census Bureau and HUD Fair Market Rents. Consult a qualified professional before making decisions based on this data.

All federal data sources used on this page
  • HUD Fair Market Rents (FMR) - county-level fair-market rent estimates by bedroom count. huduser.gov/datasets/fmr
  • HUD Income Limits - area median income for affordability calculations. huduser.gov/datasets/il
  • HUD Comprehensive Housing Affordability Strategy (CHAS) - rent burden and housing-cost distribution. huduser.gov/datasets/cp
  • U.S. Census Bureau ACS - county and metro housing characteristics + median rent. census.gov/programs-surveys/acs
  • BLS Consumer Price Index, Rent of Primary Residence - rent inflation by metro. bls.gov/cpi
  • IRS Migration Data (SOI) - interstate migration aggregates affecting county demand. irs.gov/statistics/migration
  • BLS Occupational Employment and Wage Statistics - state-level median wages by occupation, used for job affordability analysis. bls.gov/oes

Every figure on PlainRent is rendered directly from HUD's published Fair Market Rent records, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of FY 2026.