Affordable Housing In Oswego County
New York

15 Low Income Apartment Communities In Oswego County

Pontiac Terrace Apartments

225 West 1st Street
Oswego, NY
Income Based
Studio-1 BR

Oswego Hamilton Homes

96 Hamilton St
Oswego, NY
HCV Welcome

Meadowview Apartments

800 Meadowview Dr
Central Square, NY

St Lukes Elderly Housing

131 W 1st St
Oswego, NY
Elderly Supportive Housing

Austin Court Apartments

42 Maplehurst Dr
Phoenix, NY
HCV Welcome

Simeon Dewitt Apartments

150 E 1st St
Oswego, NY

Waterworks Landing Senior Apartments

2231 County Route 12
Central Square, NY
HCV Welcome

Christopher Court

22 Maplehurst Dr
Phoenix, NY

State of New York

RR 48
Phoenix, NY
HCV Welcome

Minetto Senior Housing

2785 State Rte 48
Minetto, NY
HCV Welcome

Other Housing Authorities located in Oswego County

Housing Authority Programs
City of Oswego Office of Community Dev. Section 8 Housing Choice Voucher (HCV)
City of Fulton Section 8 Housing Choice Voucher (HCV)

Guide To Affordable Housing in Oswego County, New York

There are 15 low income housing apartment communities offering 1,121 affordable apartments for rent in Oswego County, New York. Oswego County features 704 low income apartments with rental assistance where households typically pay no more than 30% of their income towards rent. Additionally, there are 417 other low income apartments that don't provide direct rental assistance but remain affordable to low income households in Oswego County.

Sourced from federal housing data and research.

Oswego County, NY Affordable Housing Snapshot

Total Affordable Apartment Properties 15
Total Low Income Apartments 1,121
Total Housing Units with Rental Assistance 704
Percentage of Housing Units Occupied By Renters 27.87%
Average Renter Household Size 2.44
Average Household Size 2.57
Median Household Income $47,860 ±$1,299
Median Rent $721 ±$15
Percentage Of Renters Overburdened 48.48% ± 3.23pp
Total Population 121,183

Population and Household Demographics

Oswego County is a County in New York with a population of 121,183. There are 45,300 households in the county with an average household size of 2.57 persons. 27.87% of households in Oswego County are renters.

Income and Rent Overburden in Oswego County

The median gross income for households in Oswego County is $47,860 a year, or $3,988 a month. The median rent for the county is $721 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Oswego County, a household making less than $2,403 a month would be considered overburdened when renting an apartment at or above the median rent. 48.48% of households who rent are overburdened in Oswego County.1

Area Median Income In Oswego County

Affordable housing program eligibility is always determined by one's income. Each household's income is compared to the incomes of all other households in the area. This is accomplished through a statistic established by the government called the Area Median Income, most often referred to as AMI. The AMI is calculated and published each year by HUD.

In Oswego County, HUD calculates the Area Median Income for a family of four as $79,500

Most affordable housing programs determine eligibility based on the percent of AMI a given household's income is. Among the programs that determine eligibility based on the AMI are Section 8, HOME, LIHTC, Section 515, 202 and 811.

Rental Assistance in Oswego County

Rental assistance is a type of housing subsidy that pays for a portion of a renter’s monthly housing costs, including rent and tenant paid utilities. This housing assistance can come in the form of Section 8 Housing Choice Vouchers, project-based Section 8 contracts, public housing, USDA Rental Assistance (in Section 515 properties) as well as HUD Section 202 and 811 properties for elderly and disabled households.

Income Qualifications for Oswego County HUD Rental Assistance in Oswego County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $16,700 $19,100 $21,500 $25,750 $30,170 $34,590 $39,010 $43,430
50% of Median $27,850 $31,800 $35,800 $39,750 $42,950 $46,150 $49,300 $52,500
80% of Median $44,550 $50,900 $57,250 $63,600 $68,700 $73,800 $78,900 $84,000
Low Income Housing Tax Credits in Oswego County

The Low-Income Housing Tax Credit (LIHTC) program aims to create affordable rental housing for low and very low income families.

From 1992 to 2011, 10 low income apartment communities containing 448 rental apartments have been constructed and made affordable to low income persons in Oswego County by the Low Income Housing Tax Credit Program.

If your income is less than 60% of the Area Median Income (AMI), you should not expect to pay more than the rent value for a unit in the table below. However, Affordable apartment communities that receive funding through the Low Income Housing Tax Credit program may have rental units that are not subject to income and rent limits.

Rent limits for the LIHTC Program are determined so that a household making the maximum income for the expected household size of the unit would only pay 30% of their income for rent.

Income Qualifications for Low Income Housing Tax Credit Apartments in Oswego County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
50% of Median $27,850 $31,800 $35,800 $39,750 $42,950 $46,150 $49,300 $52,500
60% of Median $33,420 $38,160 $42,960 $47,700 $51,540 $55,380 $59,160 $63,000

For example, the expected household size for a two bedroom apartment is 3 people. Using the table above, the maximum income for a 3 person household at 60% of the AMI in Oswego County is $42,960 a year, or $3,580 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $3,580 by 30% to get a maximum rent of $1,074 a month.

Rent for units in the LIHTC Program include a utility allowance which is determined by the average monthly cost of utilities paid directly by residents. This allowance has not been subtracted from the rents in the table below. These utility allowances are set on a property by property basis.

% of AMI Studio 1 Bed 2 Bed 3 Bed 4 Bed 5 Bed
50% $696 $746 $895 $1,034 $1,154 $1,273
60% $836 $895 $1,074 $1,241 $1,385 $1,527
Fair Market Rents in Oswego County

Fair Market Rents, often abbreviated as FMR, can be used to better understand the average housing costs of an area. Notably, Fair Market Rents are used to establish the payment standards for the Housing Choice Voucher Program, maximum rents in HOME financed rental projects and initial rents for Section 8 project based assistance.

2020 Fair Market Rents
Studio One BR Two BR Three BR Four BR
$633 $723 $900 $1,127 $1,291

Cities In Oswego County

Select A City to View its Apartment Communities and Waiting Lists.

City Listings Served By
Oswego 4 The HUD funded Public Housing Agency that serves Oswego is the City of Oswego Office of Community Dev..
Phoenix 5
Fulton 0 The HUD funded Public Housing Agency that serves Fulton is the City of Fulton.
Pulaski 1
Mexico 1
Minetto 1
Sandy Creek 0
Albion 0
Altmar 0
Amboy 0
Boylston 0
Central Square 3
Cleveland 0
Constantia 0
Granby 0
Hannibal 0
Hastings 0
Lacona 0
New Haven 0
Orwell 0
Palermo 0
Parish 0
Redfield 0
Richland 0
Sand Ridge 0
Schroeppel 0
Scriba 0
SUNY Oswego 0
Volney 0
West Monroe 0
Williamstown 0