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Syracuse, NY

Cost of living in Oswego County, NY

Part of the Syracuse Metro Area

Estimated monthly cost
$3,162/mo
for a single person, all categories combined

Population 117,945 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,074 34%
Healthcare $480 15%
Federal tax $460 15%
Groceries $404 13%
Transport $320 10%
Energy $208 7%
State tax $161 5%
Water $55 2%

Rent in Oswego County

Fair Market Rents by bedroom count.

Studio
$963
per month
1 bedroom
$1,074
per month
2 bedroom
$1,321
per month
3 bedroom
$1,616
per month
4 bedroom
$1,821
per month

Source: HUD FMR FY2025

Income and earnings in Oswego County

Annual earnings figures from the Census ACS.

Household income
$68,461
per year
Individual earnings
$38,160
per year
Per capita
$35,222
per year

Source: ACS 2019-2023 5-Year.

Home values in Oswego County

Average values reported by homeowners.

Average home value
$139,600
Annual property tax
$3,595

Source: ACS 2019-2023 5-Year

Energy costs in Oswego County

Estimated monthly electricity and gas costs.

Electricity
$140
per month · 23.4¢/kWh
Natural gas
$68
per month
Annual total
$2,496
per year

Source: EIA

Healthcare in Oswego County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
4.4%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Oswego County

State and local tax rates for New York.

State income tax
10.9%
Top marginal rate
State sales tax
4.0%
Combined sales tax
8.5%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Oswego County

Commute patterns and estimated costs.

Average commute
25.2 min
Drive alone
78.8%
Public transit
0.6%
Work from home
7.8%

Source: ACS

Monthly cost estimates for Oswego County

What it costs to live in Oswego County each month.

Single person
$3,162
per month
  • Rent $1,074
  • Energy $208
  • Water $55
  • Groceries $404
  • Transport $320
  • Healthcare $480
  • Federal tax $460
  • State tax $161
Couple
$4,679
per month
  • Rent $1,321
  • Energy $250
  • Water $65
  • Groceries $669
  • Transport $420
  • Healthcare $864
  • Federal tax $790
  • State tax $300
Family
$7,179
per month
  • Rent $1,616
  • Energy $312
  • Water $75
  • Groceries $1,016
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $790
  • State tax $300

Frequently asked questions about Oswego County

Common questions about cost of living, rent and salary.

What is the average rent in Oswego County?

In Oswego County, NY, a one-bedroom apartment averages $1,074 per month, a two-bedroom averages $1,321 per month, a three-bedroom averages $1,616 per month, according to HUD Fair Market Rent data.

What is the average salary in Oswego County?

In Oswego County, NY, the average household income is $68,461 per year and individual earnings for full-time workers average $38,160 per year, according to U.S. Census Bureau data.

What is the cost of living in Oswego County?

The estimated cost of living in Oswego County, NY is approximately $3,162 per month for a single person, $4,679 for a couple, $7,179 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Oswego County?

The combined sales tax rate in Oswego County, NY is 8.52%, which includes the New York state rate of 4.00% plus an average local rate of 4.52%.

Is Oswego County an affordable place to live?

Based on the data, a single person in Oswego County, NY would need approximately $3,162 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $68,461 per year ($5,705 per month). Oswego County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Oswego County?

The ACA marketplace benchmark premium in Oswego County, NY is approximately $480 per month for an individual. Approximately 4.4% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Oswego County?

The average home value in Oswego County, NY is $139,600, with average annual property taxes of $3,595, according to U.S. Census Bureau data.

How does Oswego County compare to other areas?

You can compare Oswego County, NY with any other US county using our comparison tool at /compare. Oswego County is in the Syracuse, NY metro area.

Other counties in New York

Browse the full list of counties in New York, ranked by cost of living.

See all counties in New York

Compare Oswego County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources