Niagara Falls, NY vs Oswego, NY

Niagara Falls is moderately more affordable than Oswego, with a 11.6% lower cost of living index. Niagara Falls scores 66 compared to 74 for Oswego, where the US average is 100. This difference means residents of Oswego can expect to pay noticeably more for everyday expenses, housing, and services.

On the housing front, median rent in Niagara Falls is $784/month compared to $1,031/month in Oswego — a 24% difference. Home values follow the same pattern: Niagara Falls is more affordable at $104,400 median vs $114,600.

Median household income in Niagara Falls is $48,535 compared to $53,286 in Oswego (-8.9%). The higher salaries in Oswego partially offset the cost difference, but don't fully close the gap. Looking at affordability, residents of Niagara Falls spend roughly 19.4% of their income on rent, less than the 23.2% in Oswego.

Climate-wise, both cities share similar average temperatures (47.7°F vs 47.3°F). Oswego receives more rainfall at 39.6" per year compared to 33" in Niagara Falls.