Real Estate Investing in Oswego, New York (13126)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 13126 (Oswego, NY)? Our answer, based on the numbers below.
Solid choice — values are growing steadily and the market is stable enough to buy with confidence.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- Elevated vacancy: 11.5% vacancy may signal weakening demand.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
What’s happening in Oswego, NY (13126)?
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Market Analysis: 13126 Oswego
ZIP 13126 inside Oswego County looks affordable on the surface — median value of $195K — but the discount exists for reasons that a careful buyer should understand before committing.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 13126 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
ZIP 13126's metrics run below Oswego County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
The demographic picture in 13126 includes headwinds that any investor should price in. Income distribution skews lower than Oswego averages, and tenant stability requires active management.
Experienced landlords with local relationships tend to find 13126 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.
Here's what matters if you're considering buying a home in Oswego:
Property Strategy for 13126
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 1BR | $110,208 | $1,100 | 7.2% | +8.6% | $110,208 |
| 2BR | $142,468 | $1,360 | 6.9% | +9.6% | $71,234 |
| 3BR | $188,047 | $1,650 | 6.3% | +8.5% | $62,682 |
| 4BR | $220,837 | $1,810 | 5.9% | +8.8% | $55,209 |
| 5BR | $226,368 | — | — | +8.5% | $45,274 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 13126 Compare?
| Metric | 13126 | Oswego | Syracuse, NY | New York |
|---|---|---|---|---|
| Home Value | $194,709 | $194,709 | N/A | $505,608 |
| 5-Year CAGR | 7.2% | 7.2% | N/A | 6.6% |
| Avg Rent | $1,282 | $1,282 | N/A | - |
| Cap Rate | 5.1% | 5.1% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 13126 (Oswego, NY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $194,709 |
| Monthly Rent | $1,282 |
| Price-to-Rent | 12.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 7.9% |
| Cap Rate | 5.1% |
| 5-Year IRR | 12.4% |
📈 Home Appreciation
| 1-Year | +9.0% ▲ |
| 3-Year CAGR | +8.0% ▲ |
| 5-Year CAGR | +7.2% ▲ |
| 10-Year CAGR | +6.6% ▲ |
🏠 Rent Trends
| 1-Year | +9.8% ▲ |
| 3-Year CAGR | +14.3% ▲ |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.1%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 13126
Population: 36,199
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 13126
Schools in This ZIP Code
Nearby Schools (1 more)
Schools in adjacent ZIP codes that may serve this area
MINETTO ELEMENTARY SCHOOL
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Frequently Asked Questions
Is Oswego, NY a good market for buy-and-hold investors?
Investors tracking Oswego, NY will find a 3.0/5 rating supported by $195K median home values and $1,282/mo rents. That profile suits long-term holders targeting predictable returns.
Is vacancy a concern in Oswego, NY?
Expect elevated vacancy in Oswego, NY. Rents at $1,282/mo are absorbed by the tenant base without meaningful lag.
What are rental rates like in Oswego, NY?
Average rent in Oswego, NY is approximately $1,282/mo per month. Against $195K home values that yields a reasonable rent-to-price ratio.
What investment strategy works best in Oswego, NY?
In Oswego, NY the resilient play is typically careful cash-flow rentals with hands-on management. The combination of $195K prices and $1,282/mo rents suits that approach.
Is Oswego, NY good for house hacking?
House hacking in Oswego, NY is a challenging. With home values around $195K and rents at $1,282/mo, owner-occupants can offset a meaningful share of PITI.
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How 13126 ranks in Syracuse, NY
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