Oswego, NY vs Troy, NY

Oswego is moderately more affordable than Troy, with a 12.3% lower cost of living index. Oswego scores 74 compared to 85 for Troy, where the US average is 100. This difference means residents of Troy can expect to pay noticeably more for everyday expenses, housing, and services.

On the housing front, median rent in Oswego is $1,031/month compared to $1,134/month in Troy — a 9% difference. Home values follow the same pattern: Oswego is more affordable at $114,600 median vs $192,500.

Median household income in Oswego is $53,286 compared to $57,688 in Troy (-7.6%). The higher salaries in Troy partially offset the cost difference, but don't fully close the gap. Looking at affordability, residents of Oswego spend roughly 23.2% of their income on rent, less than the 23.6% in Troy.