CCertihomes
803 Oswego Street, Utica, NY 13502

$147,000

4 beds 1 baths 1,470 sqft Built 191053 days on marketActive

About this home

4 Bed / 1 Bath – Great Starter Home or Investment Looking for a solid first home or an easy investment? This 4-bedroom, 1-bath place is full of potential and ready for someone to make it their own. With a nice layout and plenty of space, it’s a great option whether you're just starting out or looking to grow your portfolio. The bedrooms are a good size, and the layout offers flexibility for living, working, or hosting guests. The kitchen has everything you need, and the home’s layout makes it easy to update as you go. It also has parking.

Affordability — calculate your monthly payment

Adjust your budget to see what's left after housing, utilities and transportation. Numbers below assume a 5% down, 30YrFixed at 7.15% APR.

Your estimated payment
$1,977/mo

Real estate (PITI + HOA + PMI)
$1,368
Principal + interest$943
Property tax + insurance$370
PMI / 2nd mortgage$55
Utilities
$1,145
Heating + cooling$423
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$1,977/mo TLC
Budget$5,000/mo
Remaining after TLC$3,023/mo
Purchase price
$147,000
Down payment
$7,350 (5%)
Loan amount
$139,650
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
TwoStory
Year built
1910
Lot size
0.0321 ac
Stories
2
Heating
Gas, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$2,129
MLS #
S1614866
County
Oneida

At a glance

Basement

Home features

Appliances
ElectricOvenElectricRangeElectricWaterHeaterRefrigerator
Interior
OtherSeeRemarks
Exterior
BlacktopDriveway
Parking
NoGarage
Flooring
Hardwood, Varies, Vinyl
Sewer
Connected

Lot features

Rectangular, RectangularLot, ResidentialLot

Neighborhood — 13502

MetricThis ZIPCountyUSA
Population29,02519,351,094299,088,112
Population Change Since1990-17.00%8.00%20.00%
Population Density609395
Male13,8339,381,926147,432,321
Female15,1919,969,168151,655,844
Never Married7,9864,946,39163,775,926
Married10,1677,166,701123,120,365
Separated1,6221,159,67312,639,686
Widowed2,4011,110,24515,467,586
Divorced2,1801,210,44823,075,029
Number Of House Hold11,5857,102,016111,826,380
Average House Hold Size2.352.642.60
Medial Age38.1036.5335.46
Median House Hold Income$32,508$49,847$48,276
Average House Hold Income$40,951$70,032$63,629
P C I$17,157$26,569$24,529
M D I$28,880$42,210$41,133
A T H E$38,331$54,185$50,898
S T R9.00%4.00%
W C J81.13%81.55%77.74%
(Zip) Code
13502

Data via Certihomes neighborhood index. Comparisons across this ZIP, county and the United States.

Map & walkability

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Listing information last refreshed 6/13/2025. Provided courtesy of Miner Realty & Prop Management via Buffalo MLS. Information deemed reliable but not guaranteed.