Market Overview
Home Prices in Oswegatchie, NY
The median home value in Oswegatchie, NY is $99,229 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.4% compared to a year ago and up 0.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Oswegatchie are priced76% below average. Oswegatchie is part of the Ogdensburg-Massena, NY metro area.
Over the past five years, Oswegatchie home values have risen by approximately13.8%, reflecting steady appreciation in this market.
Price History
Oswegatchie Home Price Trend
City Comparison
Oswegatchie vs. National Median
At $99,229, homes in Oswegatchie cost 76% below the national median of $410,000. This makes Oswegatchie a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Oswegatchie?
20% Down Payment
$19,846
on $99,229
Monthly P&I
$518/mo
30-yr @ 6.8%
Total Monthly Est.
~$658/mo
incl. taxes & insurance
Income Needed
$26,320
gross annual (30% rule)
10% Down Option
$9,923
+ PMI applies
Loan Amount (20% dn)
$79,383
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 Oswegatchie, NY?
The median home value in Oswegatchie is $99,229 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.4% year-over-year.
How much have home prices changed in Oswegatchie?
Over the past year, home values in Oswegatchie have increased by 5.4%. Over five years, prices have risen approximately 13.8%.
How much do I need to earn to buy a home in Oswegatchie?
To comfortably afford the median home price of $99,229 with a 20% down payment ($19,846) at today's rates (6.8%), you'd need a gross annual income of approximately $26,320. This assumes keeping total housing costs at or below 30% of gross income.
How does Oswegatchie compare to the national average home price?
The national median home value is approximately $410,000. At $99,229, homes in Oswegatchie are 76% below the national average.
What metro area is Oswegatchie part of?
Oswegatchie is part of the Ogdensburg-Massena, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.