Market Overview
Home Prices in Oswego, KS
The median home value in Oswego, KS is $79,509 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 1.7% compared to a year ago and up 1.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Oswego are priced81% below average. Oswego is part of the Parsons, KS metro area.
Over the past five years, Oswego home values have risen by approximately12.9%, reflecting steady appreciation in this market.
Price History
Oswego Home Price Trend
2020
$59,296
$59K
—
2021
$70,420
$70K
+18.8%
2022
$75,128
$75K
+6.7%
2023
$74,296
$74K
-1.1%
2024
$79,730
$80K
+7.3%
2025
$80,922
$81K
+1.5%
2026
$79,509
$80K
-1.7%
City Comparison
Oswego vs. National Median
🏠 Oswego
$79,509
National Median
$410,000
At $79,509, homes in Oswego cost 81% below the national median of $410,000. This makes Oswego a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Oswego?
20% Down Payment
$15,902
on $79,509
Monthly P&I
$415/mo
30-yr @ 6.8%
Total Monthly Est.
~$527/mo
incl. taxes & insurance
Income Needed
$21,080
gross annual (30% rule)
10% Down Option
$7,951
+ PMI applies
Loan Amount (20% dn)
$63,607
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Oswego, KS?
The median home value in Oswego is $79,509 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 1.7% year-over-year.
How much have home prices changed in Oswego?
Over the past year, home values in Oswego have decreased by 1.7%. Over five years, prices have risen approximately 12.9%.
How much do I need to earn to buy a home in Oswego?
To comfortably afford the median home price of $79,509 with a 20% down payment ($15,902) at today's rates (6.8%), you'd need a gross annual income of approximately $21,080. This assumes keeping total housing costs at or below 30% of gross income.
How does Oswego compare to the national average home price?
The national median home value is approximately $410,000. At $79,509, homes in Oswego are 81% below the national average.
What metro area is Oswego part of?
Oswego is part of the Parsons, KS metropolitan area. Home prices and market conditions can vary across the broader metro region.