Homes for Sale Under 400K in Oswego, NY

590 Homes for Sale

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Oswego, NY Housing Market Overview

Oswego's housing market is evenly balanced between buyers and sellers. This creates fair negotiating conditions for both parties. With a 2.5-month supply of homes and properties spending 57 days on the market on average, both buyers and sellers have equal opportunity to achieve favorable outcomes.

Status

Balanced Market

Days on Market

57

Inventory

590

Aug 2021Mar 2024Mar 2026

Median Home Price

$158,500Up 0.17%

In Mar 2026 · YoY

Aug 2021Mar 2024Mar 2026

Mortgage Rates 30-Yr Fixed

6.23%Down 0.58%

Current rate · YoY

Loan Type

30-Year Fixed

Housing Supply

Homes For Sale
590 Down 0.31%
Newly Listed Homes
7 Down 0.56%
Months of Supply
2.5 Up 0.30%

Housing Demand

Homes Sold
8 Down 0.00%
Sale-to-List Ratio
93.2% Down 5.41%
Homes Sold Above List
50% Up 26.92%

30-yr fixed rate 6.23% · Data as of Mar 2026 · Source: Houzeo Research.

View Full Oswego Market Report
  • mls-img
    Based on data from the New York State Alliance of MLSs (CNYIS, Inc., UNYREIS and WNYREIS) through Sep 6, 2026, 10:45 AM.. All information is provided exclusively for consumers’ personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable by is not guaranteed accurate by the MLS. This website may not include listings or property addresses of sellers who have directed their listing brokers to withhold their listing or their property address from display on the Internet. All information provided is deemed reliable but is not guaranteed and should be independently verified. © 2025 the New York State Alliance of MLSs. All Rights Reserved.

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Oswego, NY Housing Marketlink qauare
Homes Available icon

590

Homes Available

Median List Price icon

$ 158,500

Median List Price

Avg on Market icon

57 Days

Avg on Market

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