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Affordable apartments in Oswego, New York

7 income-restricted buildings tracked here, drawn from HUD's LIHTC, Section 8, Section 202, and Section 811 datasets. Map, eligibility tiers, and Fair Market Rent below.

2 section 81 section 2024 lihtc

Buildings

ST. LUKES ELDERLY HOUSING

Section 8
131 W FIRST ST, Oswego, NY, 13126
Income-restricted units
100 of 101
Year placed in service
Not reported

Estimated total housing cost: $977 rent + $159 utilities = $1,136/mo

Contact property management for current availability. Waitlists may apply.

ST. LUKES ELDERLY HOUSING

Section 202
131 W FIRST ST, Oswego, NY, 13126
Income-restricted units
100 of 101
Year placed in service
Not reported

Estimated total housing cost: $977 rent + $159 utilities = $1,136/mo

Contact property management for current availability. Waitlists may apply.

PONTIAC TERRACE APTS

Section 8
225 W First ST, Oswego, NY, 13126
Income-restricted units
70 of 70
Year placed in service
Not reported

Estimated total housing cost: $977 rent + $159 utilities = $1,136/mo

Contact property management for current availability. Waitlists may apply.

OSWEGO HAMILTON HOMES PHASE II

LIHTC
91 HAMILTON ST, OSWEGO, NY, 13126
Income-restricted units
58 of 58
Year placed in service
2010
Bedroom mix
21 1BR · 11 2BR · 17 3BR · 9 4+BR

Estimated total housing cost: $977 rent + $159 utilities = $1,136/mo

Contact property management for current availability. Waitlists may apply.

OSWEGO HAMILTON HOMES PHASE III

LIHTC
96 HAMILTON ST, OSWEGO, NY, 13126
Income-restricted units
57 of 57
Year placed in service
2011
Bedroom mix
11 1BR · 17 2BR · 10 3BR · 19 4+BR

Estimated total housing cost: $977 rent + $159 utilities = $1,136/mo

Contact property management for current availability. Waitlists may apply.

OSWEGO HAMILTON HOMES PHASE I

LIHTC
92 HAMILTON ST, OSWEGO, NY, 13126
Income-restricted units
54 of 54
Year placed in service
2009
Bedroom mix
5 1BR · 28 2BR · 21 3BR

Estimated total housing cost: $977 rent + $159 utilities = $1,136/mo

Contact property management for current availability. Waitlists may apply.

SEAWAY LOFTS

LIHTC
472 W FIRST ST, OSWEGO, NY, 13126
Income-restricted units
26 of 26
Year placed in service
2013
Bedroom mix
20 1BR · 6 2BR

Estimated total housing cost: $977 rent + $159 utilities = $1,136/mo

Contact property management for current availability. Waitlists may apply.

Map

Each pin is one income-restricted building. Color-coded by program. Click a pin for details.

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Energy costs in New York

Residential electricity in New York runs about 26.97¢/kWh, with a typical monthly residential electric bill near $159. Natural gas runs about $21.39/Mcf. Add this to rent when you compare buildings; it can shift total monthly housing cost by 10–20%.

Source: U.S. Energy Information Administration, retail-sales (electricity) and natural gas residential pricing series, 12-month rolling average.

Check your affordability tier

Enter your annual household income, household size, and zip code. We’ll show which HUD AMI tier you qualify for and what Fair Market Rent looks like in your area.

Fair Market Rent for Oswego, NY

Metro-level
BedroomsLocal FMRNational median
Studio$830n/a
1 bedroom$928n/a
2 bedroom$977$1,502
3 bedroom$1,270n/a
4 bedroom$1,466n/a

Fair Market Rent is HUD’s annual benchmark for the cost of rental housing in a given area. Source label: median_rent_proxy.

HUD income limits : Oswego County, NY

Syracuse, NY. FY2025. Area median income: $104,100.

Household size30% AMI50% AMI80% AMI
1 person$21,750$36,250$58,000
2 people$24,850$41,400$66,250
3 people$27,950$46,600$74,550
4 people$32,150$51,750$82,800
5 people$37,650$55,900$89,450
6 people$43,150$60,050$96,050
7 people$48,650$64,200$102,700
8 people$54,150$68,350$109,300

HUD calculates income limits per household size relative to the area’s median family income. Properties may serve renters in any combination of these tiers; eligibility is determined per program.

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About this listing. Buildings shown serve income-restricted households across HUD program tiers. We do not show vacancy or pricing for individual units. Always contact the property directly for current availability; many income-restricted buildings maintain waitlists measured in months or years.

See also: Oswego cost-of-living and Fair Market Rent overview