Homes for Sale Under 400K in Oswego, NY

656 Homes for Sale

Sort by:Newest Listings

Don't miss out on new listings — and get instant email alerts!

Do Real Estate on the Go!

Find your dream home, receive real-time updates, and many more!

OPEN APP

Oswego, NY Housing Market Overview

Oswego is a balanced market, giving buyers and sellers room to negotiate. With 2.5 months of supply and homes averaging 57 days on the market, you can make decisions without the pressure of a highly competitive market.

Status

Balanced Market

Days on Market

57

Inventory

20

Sep 2021Mar 2024Mar 2026

Median Home Price

$158,500Up 0.17%

In Mar 2026 · YoY

Sep 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
20 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
Mortgage Calculator
How Much House Can I Afford
How to Buy a House
Best Places to Live in New York
Safest Places to Live in New York
Cheapest Places to Live in New York
  • mls-img
    Based on data from the New York State Alliance of MLSs (CNYIS, Inc., UNYREIS and WNYREIS) through Oct 23, 2026, 8:45 PM.. 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. © 2026 the New York State Alliance of MLSs. All Rights Reserved.
  • mls-img
    Based on information from the Global Multiple Listing Service, Inc. through Oct 23, 2026, 8:45 PM. 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 but 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. © 2026 Global Multiple Listing Service, Inc. All Rights Reserved.
Click to see all homes
static map image
Satellite
Oswego, NY Housing Marketlink qauare
Homes Available icon

656

Homes Available

Median List Price icon

$ 158,500

Median List Price

Avg on Market icon

57 Days

Avg on Market

Close IconHouzeo

Do Real Estate on the Go!

OPEN APP
For Sale
Price
Beds & Baths
Home Type
Filters
Save Search Share