Oswego, Oswego County, New York Property Taxes

Name: Property Tax Bills Across Oswego, Oswego County, New York
Creator: Ownwell
License: https://creativecommons.org/licenses/by-nc/4.0/

Median Oswego, NY effective property tax rate: 2.42%, significantly higher than the national median of 1.02%, but slightly higher than the New York state median of 2.39%.
Median Oswego, NY home value: $99,204
Median annual Oswego, NY tax bill: $2,589, $189 higher than the national median property tax bill of $2,400.

How are property taxes in Oswego calculated?

Property taxes in Oswego, NY are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.

Understanding Oswego’s property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Oswego, knowing local tax details benefits homeowners and investors.

Last Updated March 1, 2025

Oswego, Oswego County, New York Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

2.42%

Estimate Property Tax Bill

$2,401

$2,228

Ownwell’s Oswego Property Tax Bill Calculator empowers homeowners, real estate investors, and potential buyers to estimate their annual property taxes in Oswego with just two data points. By entering your property's estimated assessed value, our calculator applies Oswego’s median effective tax rate to accurately estimate your property tax bill. Note that your property's assessed value — determined by your county — reflects any exemptions you may have, ensuring a precise calculation for your property tax obligations. This insightful tool helps you understand potential tax liabilities and highlights how Ownwell can assist in reducing property taxes in Oswego. For those interested in more localized information, please scroll down to explore city-level trends!

Property Tax Rates Across Oswego, Oswego County, New York

Local government entities set tax rates, which can vary widely within a state. Each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate. While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process. Oswego in NY presents a notable case where the effective property tax rate is significantly higher than the national median. With a rate of 2.42%, Oswego stands out not only within its state but also on a national level, where the median property tax rate is 1.02%. This means residents in Oswego face a property tax rate more than double the national average. Such a high rate can substantially impact homeowners' annual expenses, making it crucial for property owners in Oswego to explore appeal and exemption opportunities to potentially reduce their tax burden.

Property Tax Rates Across Oswego, Oswego County, New York

Source: Ownwell

2.19%

2.98%

3.78%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective Oswego Tax Rate

2.42%

Median Effective Oswego County Tax Rate

2.93%

Median Effective New York Tax Rate

2.39%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Oswego, Oswego County, New York

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
13126	2.42%	2.42%	2.42%	2.84%	3.30%

Source: Ownwell

Property Tax Assessment Values Across Oswego, Oswego County, New York

When examining property taxes in Oswego, NY, understanding the distinction between "market value" and "assessed value" is crucial. The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Oswego County appraisal district estimates the market value for tax purposes. The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.

In Oswego County, assessment notices are sent in the spring each year. They’ll typically reach your mailbox by the middle of May. Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Oswego.

For example, the median home price in Oswego is $99,204, with tax bills ranging significantly across the county. The zip code 13126 has the highest median home price at $99,204.

Property Tax Assessment Values Across Oswego, Oswego County, New York

Source: Ownwell

$64,706

$106,312

$147,917

Median Oswego Market Value

$99,204

Median Oswego County Market Value

$108,696

Median New York Market Value

$255,644

Median United States Market Value

$235,294

Property Tax Assessment Values Across Oswego, Oswego County, New York

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
13126	$45,652	$65,217	$99,204	$154,317	$211,957

Source: Ownwell

Property Tax Bills Across Oswego, Oswego County, New York

In Oswego, NY, property tax bills are calculated based on the assessed value of a home, which is determined by the local assessor. The tax rate is then applied to this assessed value to determine the annual property tax bill. Factors such as location, home size, and market conditions can influence the assessed value. Homeowners in Oswego face a median property tax bill of $2,589, which is slightly above the national median of $2,400, with bills ranging from $1,617 at the 25th percentile to $5,785 at the 90th percentile. High property tax bills can significantly impact homeowners, affecting affordability and financial planning.

Ownwell can assist homeowners in Oswego by identifying potential savings through property tax appeals and exemptions. By analyzing property assessments and comparing them with similar properties, Ownwell can help ensure that homeowners are not overpaying on their property taxes. This service can lead to significant savings and provide peace of mind, allowing homeowners to allocate their resources more effectively.

Property Tax Bills Across Oswego, Oswego County, New York

Source: Ownwell

$1,648

$3,283

$4,917

Median Oswego Tax Bill

$2,589

Median Oswego County Tax Bill

$3,405

Median New York Tax Bill

$5,938

Median United States Tax Bill

$2,400

Property Tax Bills Across Oswego, Oswego County, New York

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
13126	$1,157	$1,617	$2,589	$4,254	$5,785

Source: Ownwell

Don't miss the deadline to file a grievance!

Dates

Links
Oswego Assessment Review Commission
Website	oswegogis.maps.arcgis.com