Oswego County, NY: Foreclosures, Tax Liens & Distressed Properties
Oswego County, NY, New York: 28 ZIP codes scored, Oswego County, NY averaging 24/100 (low, Oswego, NY), from 19 to 25. Oswego County, NY is in its expansion phase (Oswego, NY confidence 43/100): Oswego, NY home prices up 5.8% (Oswego, NY) over twelve months. Oswego County, NY lender headwind: 53/100.
Highest-scoring Oswego County, NY ZIPs: 13028 (25/100), 13036 (25/100), 13044 (25/100), 13074 (25/100), 13076 (25/100), 13083 (25/100). Also scored in Oswego County, NY: 13103, 13114, 13115, 13121, 13126, 13131, 13132, 13142, 13144, 13145.
Across Oswego County, NY's scored ZIPs: median home value $149,024, household income $69,991, 19.9% vacancy, 15.2% poverty, 82% owner-occupied, median age 44.3.
Oswego County, NY insurance distress 49/100 (#1,099 in the US); FEMA hazard 40/100 for Oswego, NY; 2 federal disaster declarations in Oswego County, NY since 2023; 2 Oswego, NY NFIP flood claims, $26K paid; Oswego, NY construction distress 58/100.
6 banks with 24 branches lend in Oswego County, NY; Oswego, NY weighted bank stress 59/100, highest 73/100 in Oswego, NY.
Oswego County, NY unemployment 4.4% (Oswego, NY -1.2 pts, six months); 145 new housing units permitted in Oswego County, NY over twelve months, Oswego, NY down 11% from 163; Oswego, NY home prices +11.9% a year (Oswego, NY) over three years.
54,844 housing units in Oswego County, NY; 12,295 Oswego, NY renter households; 44% of Oswego, NY renters spend 30%+ of income on rent, 24% (Oswego, NY) half or more.
Oswego County, NY ranks #819 nationally on the opportunity index (Oswego, NY, among all ranked counties); Oswego, NY scores 31.9/100 and Oswego, NY sits #12 inside New York. Oswego, NY is in the watchlist opportunity phase; Oswego, NY's primary driver is vacancy, Oswego, NY second driver construction; Oswego, NY moved up 406 places. 11 short-sale listings across Oswego, NY; 84 days on market observed in Oswego, NY; 12.3% vacancy over 28 Oswego, NY ZIPs.
No CFPB county sample covers Oswego County, NY. The metro area reading for Oswego, NY (Syracuse, NY): 1.2% ninety-plus days late; Oswego, NY's thirty-to-eighty-nine share is 2.6% (Oswego, NY, December 2025 data); New York overall 1.0%.
Oswego County, NY has 4 watched banks; 4 Oswego, NY banks sit in an elevated band. Oswego, NY footprints: Pathfinder Bank (7 branches, stress 73) in Oswego, NY; Community Bank National Assn (4 branches, stress 68) in Oswego, NY; Nbt Bank National Assn (4 branches, stress 61) in Oswego, NY.
HUD lists 3 assisted multifamily properties in Oswego County, NY with 279 units; 277 Oswego, NY units are assisted, 3 Oswego, NY properties under project-based Section 8.
7,605 of the 54,844 housing units in Oswego, NY sit vacant. Oswego County, NY permitted 15 multifamily units in twelve months; Oswego, NY's one-to-four unit structures added 130 units in Oswego County, NY.